Claiming during the lockdown
Our income protection plans are designed to cover our members if they suffer a loss of income because they cannot work as a result of their illness (including COVID-19) or injury. Unfortunately, our income protection plans do not cover a loss of income if members cannot carry out the material duties of their occupation for any other reason, such as employer, regulatory or government restrictions.
As a member owned mutual, we remain committed to supporting our members within the framework of our terms and conditions and any special conditions applicable to their plans.
Temporary suspension of cover (up to 31 July 2020)
To support our members through these difficult times we are offering them the opportunity to suspend their cover. Whilst our members are not working due to the restrictions in place, they can ask us to suspend their cover under the Career break feature on their plan.
To ensure that we can give as many members as possible access to this support, we have temporarily relaxed the usual eligibility criteria and they can now suspend their cover before the third anniversary of their plan and for a period of less than 6 months. All other terms and conditions continue to apply. Whilst the cover is suspended, members will not need to pay the premium for their income protection cover, however they will not be able to make a claim. Members can resume their cover at any time by simply contacting us and giving us at least 7 days’ advance notice.
Temporary suspension of cover (from 1 August 2020)
The temporary relaxation of the usual eligibility criteria for career breaks will come to an end on 31 July 2020. This means that any new requests for a career break received after this date will be assessed in accordance with our standard terms and conditions.
The full terms and conditions are set out in our plan documents which are available under the ‘Documents’ section of our website. If you would like to suspend your cover, please contact us by emailing firstname.lastname@example.org.
If you have any questions, please contact our member services consultants by emailing email@example.com or calling 020 7400 5710.