https://www.aiglife.co.uk/customers/answering-your-temporary-or-total-disability-claim-questions Individual Protection from AIG

Answering your questions

We’re here to help you every step of the way.

We know that if you need to make a Temporary or Total Disability claim, you’re going through a challenging time. We hope we can make things a little easier by answering some of the questions we get asked most often.

Can I make a claim for Temporary or Total Disability?

You can only make a claim for Temporary or Total Disability if you selected it when you applied for your cover. Your policy documents will tell you whether it’s included in your cover and when it ends.


At what point should I contact you to make my claim?

You should contact us as soon as there is a chance you will still be unable to work when the Temporary or Total Disability deferred period ends, so that we can start gathering the information we need. The deferred period for Temporary or Total Disability benefit is 26 weeks.


Can I make a claim if I’m not living in the UK?

You’ll need to be living in one of our eligible countries when you become unfit for work and you’ll need to return to the UK within a certain period of time in order for your claim to continue.

Please check your policy documents if you’re not sure if you’re in an eligible country.


What happens if I’m on maternity leave when I claim?

We would assess your claim on the basis of the job you were doing before you went on maternity leave.


What happens if my term has ended when I make a claim?

We only cover you while your policy is active. If your policy has ended, we won’t be able to pay a claim.


What happens if I don’t pay my premiums?

If you stop paying your premiums for more than 30 days while your policy is active, it will be cancelled and you’ll no longer be covered.


Can you speak to someone else on my behalf, like a family member or close friend?

We can speak to you or anyone else that you give us permission to.

What financial information do you need from me when I make a claim?

I’m self-employed: We need copies of your latest set of accounts and your self-assessment tax return.

I’m in employment: We need a copy of your latest P60 and recent payslips.

I’m a director of a limited company: We need a copy of your latest P60 and latest set of business accounts, plus details of any dividend payments you’re receiving or have received. We’ll also need a copy of your self-assessment tax return.


Will you contact my employer?

We might need to contact your employer so we can confirm what sick pay you’re entitled to and what they might be able to do to help you return to work.


Does it matter if I can’t find the original policy documents?

No, we don’t need to see the original policy documents for you to make a claim.


Why do you need a medical report?

When you make a claim, we need to find out if your illness meets the definition as described in your policy documents.

How will you calculate how much you’ll pay me?

We’ll calculate payments based on your taxable income in the 12 months before you stopped work. The most we’ll pay is 1% of the current sum assured on your cover, or £1,667 if this is lower.

Any payments made to you for Temporary or Total Disability may be deducted from a future critical illness or Total Permanent Disability claim. Please contact us if you’re not sure how this will affect your policy.


My job has changed since I applied for my cover – will this affect my claim?

We will assess your claim based on your circumstances at the time you stopped work. If your job has changed, we’ll assess your ability to do the new job and not what you were doing when you applied.

We’ll also calculate payments based on your taxable income in the 12 months before you stopped work. The most we’ll pay is 1% of the current sum assured on your cover, or £1,667 if this is lower.


Will you pay the full amount of my claim?

If you are continuing to receive some income from your employer or from another cover elsewhere, or if your earnings are less than they were when you applied for your cover, we’ll need to take this into consideration and it could mean you’re not entitled to receive the full payment from us. It may be that your situation has changed since you applied for your cover.


When will you pay my claim?

Every claim is unique. We’ll deal with your claim as quickly as possible by calling or emailing where we can.

If we can’t pay your claim, we’ll contact you to let you know why.


Why might a claim not be paid?

We’ll always try our best to pay a claim. The reasons we may not pay a claim are because we were not given the correct information when you applied which might have affected our ability to cover you under the terms we provided, or if your illness doesn’t meet the definition as described in your policy documents.

We also may not be able to pay your claim is you’re still receiving income which is more than your cover allows for.


Can you speak to someone else on my behalf, like a family member or close friend?

We can speak to you or anyone else that you give us permission to.

Will you still make payments if I go back to work part-time or to a different job?

No. Your claim won’t be able to continue if this happens.


Can you pay my claim if I’m continuing to receive some or all of my usual earnings?

We will take any continuing income into consideration when calculating the amount we can pay you. You may still be entitled to receive money from us depending on your circumstances.


How will you pay me once a claim is agreed?

We’ll make monthly payments in arrears on the last working day of the month. Payments will start once your deferred period has ended.


Will you deduct any state benefits I received from what you pay me?

No. We don’t make any deduction in respect of state benefits.


Is the money you pay me taxable?

Under current legislation and HMRC practice, the money we pay you is normally free from Income Tax and Capital Gains Tax.


How long will you pay my claim?

We’ll pay your claim for Temporary or Total Disability until you’re no longer unfit for work, your cover or the Temporary or Total Disability ends, or until the amount we’ve paid you for Temporary or Total Disability has reached 100% of your sum assured.

Should I carry on paying for my policy after I’ve made a claim?

Yes, you need to continue paying your premiums while we’re assessing a claim. This means that your cover stays active until we’ve made a decision.


Do I need to cancel my direct debit once a claim is agreed?

No, you’ll need to continue paying your premiums once we’ve agreed to pay a claim and for the duration of your claim for Temporary or Total Disability.

What happens to my policy once a claim has been made?

Your policy will continue until your term ends as long as premium payments are maintained.


How will a Temporary or Total Disability claim affect my policy?

Any payments made to you for Temporary or Total Disability may be deducted from a future critical illness or Total Permanent Disability claim. Please contact us if you’re not sure how this will affect your policy.

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