https://www.aiglife.co.uk/customers/answering-your-total-permanent-disability-claims-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 Total Permanent Disability claim, you’re probably 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 Total Permanent Disability?

You can only make a claim for Total Permanent 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.


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.


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.

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.

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. The overall length of time to reach a decision will largely depend on how quickly your doctors reply.

Once we have the evidence to support your claim, we aim to make payment to a bank account you nominate within five working days by BACS.

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.


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.

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

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

Once we’ve paid a claim for Total Permanent Disability, we’ll refund any money that you might have paid after you were diagnosed.


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

There is no need for you to cancel your direct debit to us. Once we’ve paid a claim, we’ll automatically stop your direct debit and refund any money that you might have paid to us after you were diagnosed.

Please remember to keep paying your premiums while we’re assessing a claim.

Who do we pay?

If we’ve agreed to pay your claim, we’ll make payment to the policyholder (or joint policyholders), trustee(s) or assignee(s).

This means that if your policy is not assigned, under trust or owned by anyone else, we will make payment to you.


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.


I have previously made a claim for Temporary or Total Disability – will this affect my claim?

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

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

When we’ve paid a claim for Total Permanent Disability, your policy will end. You don’t need to do anything.


What happens to my joint life policy once I’ve made a claim?

Once a claim is paid for Total Permanent Disability, your insurance will end. If your policy was taken out to cover two people, neither of you will be covered once the policy has ended.

If you still need cover, we recommend you speak to your financial adviser.

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