income protection insurance claims

The waiting period is the initial period of time selected when you purchased your policy, for which no benefit is payable. They can be 2,4,8,13,52,104 weeks. You must be off work or have reduced your hours[1] (as required under your policy) for this period of time before a benefit will be paid. 

[1] May not be available with all benefits.

Not under income protection benefit, it only covers you if you are unable to work due to an injury or illness. Check your policy document and schedule, or talk to your adviser if you have a seperate redundancy benefit under your policy.

We pay the money as directed by the owner(s) of the policy. The policy owner(s) would confirm the bank account to pay the money into on the claim form. It is important to regularly review the ownership of your policy with your adviser if your circumstances have changed.

If you are receiving other benefits e.g. ACC for the condition you are claiming for, these may be deducted from what is payable by us. Depending on the type of benefit you purchased you may need to provide proof of income. Your Case Manager will discuss with you any financial information or documents that we may require. It is important to regularly review your cover with your adviser if your circumstances have changed.

The Life Assured is the person who insured against illness or injury under the policy.

Whereas the policy owner is the person who purchases the policy and is entitled to receive any claim payments. 

Each claim is unique to the customer and at times it requires further supporting documents. Your Case Manager will guide you through the process and provide the support you need.

The information required will depend on the type of Income Protection benefit you purchased

• Income Protection Claim form
• Medical evidence to support your incapacity to work or need to reduce your hours, this can include the following depending on if you have suffered an injury or illness;
  • ACC medical certificates
  • Hospital discharge form
  • GP medical certificates
  • Specialist reports
• We may need to contact ACC, your GP or Specialist directly if we need further medical information. 
• There could be other requirements such as financial information, but your Case Manager will discuss these with you.