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Income Protection

CLAIMS PROCEDURE

You should contact Our Administrator, Adminicle Limited, Callidus House, Cirencester Business Park, Love Lane, Cirencester GL7 1XD.
The quickest and best way is to call telephone 01285 886600 to request a claim form.

General Information on claims procedures.

You must complete the protection insurance claim form fully and accurately and return it to Us at the address above. This claim form should be received within 60 days of the date Your Disability or Unemployment began, or as soon as possible after this.

You may be asked to fill in a continuing or supplementary claim form at Your own expense for each month You are claiming. You must send this within 60 days of the date We last paid Your Monthly Benefit or as soon as possible after this.

To properly validate Your claim You must give Us any proof We ask for otherwise We cannot pay any income protection insurance benefit. This is at Your own expense if any. We may also ask You for additional information during Your claim such as (but not limited to) being examined by a Doctor (at Our expense) or, certificates from Your employer stating that You are not presently working or, a copy of the Jobseekers Agreement that You signed with the Employment Service or, a certificate from Your last employer stating that You no longer Work for them.

We will not pay Your claim if We cannot validate it because You are late sending Us Your claim form or any additional information that We may reasonably request. Any attempt to falsify any information provided to Us may invalidate Your claim and may result in Us cancelling this income protection insurance immediately.

If We start to pay Monthly Benefit because You are Disabled and You become Unemployed You must write and advise Us straight away. When deciding if Your claim is valid, We will ignore the fact that You have not been Working because of Your Disability. We will continue to pay Your Disability benefit while it remains valid. If You are still Unemployed once a Doctor says You are fit to return to Work, You must tell Us and We will ask You to complete an Unemployment claim form. If You change Your claim, the most We will pay for both Your Disability and Unemployment claims combined is 12 times the Monthly Benefit.

If We start to pay Monthly Benefit because You are Unemployed and You become Disabled You must write and tell Us straight away. When deciding if Your protection insurance claim is valid, We will ignore the fact that You have not been Working. You will no longer be eligible to claim benefits for Unemployment and You will have to complete a Disability claim form. If You change Your claim, the most We will pay for both Your Unemployment and Disability claims combined is 12 times the Monthly Benefit.

If You are unable to meet Our conditions to claim for Disability benefit You can claim Unemployment benefit once You are fit to work. You must let Us know that You are no longer Disabled and You must meet Our conditions to claim Unemployment benefit. If Your claim is valid, the most We will pay is 12 times the Monthly Benefit which will include any Monthly Benefit We paid before Your Disability started.

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