How long will my claim take?

The time taken to assess a claim depends on how much medical information we need and how fast we receive it.

For death claims, if we don’t need any medical information, we can complete a claim as soon as you return the relevant paperwork.

For a critical illness or death claim requiring medical information, it takes around eight weeks – although we’re looking at ways to reduce this.

Income protection claims are more complex and can take up to 12 weeks. Because of this, we ask you to tell us as soon as you’re unable to work due to ill health, with the hope that we can make a decision as soon as possible. If we can start assessing a claim early, we may be able to offer medical help that will allow you to return to work much sooner.

Tele-claims(Opens new window) usually take less time to assess.