Once you’ve spoken to our professional team at Morgan Insurance Brokers, they will reliably advise you on the Income Protection Insurance cover you need according to your circumstances. The team will help you to consider your factors and determine the most suitable coverage. Once you have purchased your Insurance, you’ll be protected from any unexpected events that may leave you temporarily absent from work.

Have you recently been involved in a car accident? You may need to claim your Income Protection Insurance to cover your income whilst you are absent from work and recovering. 

You may be thinking, How do I get started?

Morgan Insurance Brokers won’t leave you in this alone. You can use our step-by-step guide to understand how you can claim on your Income Protection Insurance and what happens next.

Firstly…

The first step is to review your policy. Before you begin your claim, check your policy’s terms and conditions to understand how it will protect you with your claim. You may think that your circumstances do not qualify you to receive Income Protection Insurance, which is why it is important to review your cover. It is a common misconception that Income Protection Insurance only covers serious accidents, so it is important to check, as you may be entitled to support with far more than you expect. You will want to pay close attention to the waiting period, which determines the terms of when your repayments will be made and the terms of eligibility.

This will ensure that you understand the trajectory of your claim and what it may cover.

Speak to your Insurance Provider, Or Us

It is important that once you have understood your policy and your eligibility, you contact your insurer. They will need to be notified of your circumstances so that they can clearly explain the process of submitting your claim and tell you which forms and documents will be required. You can also contact us. Our team at Morgan Insurance Brokers are experienced and reputable, and ready to provide you with professional advice on what you need to do next. 

Gathering Documents

After seeking professional advice, it should be clearer which supporting documents will be required for your claim. You will need to gather and prepare these documents, which may include: 

• Medical certificates/ Medical reports from your doctor detailing your illness or injury and your subsequent inability to work.
• Proof of income (payslips, tax returns, salary reports)
• Employer reports (explaining your absence and work status with the company)
• Proof of identity
• Any other supporting documentation, which can vary by case (i.e witness statements)

Complete Your Form 

Once you have gathered the required documentation and are clear on how to proceed, you will need to fill out the claim form. You are required to fill out all the information as clearly and accurately as possible. It is crucial to attach all relevant and required documents to expedite your claim. If it is incomplete or inaccurate, it can cause a processing delay.

Submit Your Claim

Your Income Protection Insurance claim is now complete and ready to be assessed. It is time to submit your claim form. This can be done online or by post. You need to send your claim form to your insurer and follow their specific instructions. 

What happens next?

Your insurer will review your claim and request additional information or assessments if required. It is important to stay in contact with your insurer, as if they need anything further from you, it is essential that you get this to them to ensure your claim is processed quickly. You will be able to track the progress of your claim online or by contacting your insurer for updates. Once approved, your monthly benefit payments will begin as per your policy terms. 

If your claim is declined, your insurer will advise you on the reason why, and you have the option to appeal if you feel that it has been wrongly declined.

Start with Morgan Insurance Brokers

We’re your one-stop solution for all your questions. Our team are ready to answer your questions with the clarity you need. 

Contact us today if you’re ready to claim on your Income Protection Insurance. We’ll help you get started.