Typically once the policyholder realizes that he/she will be out of work for a longer period due to illness/injury, the process may start. An email/letter to the insurer claims department from you or your financial advisor is sufficient. Upon receipt of the claim notification, the insurer sends a claim form to the policyholder. The claim notice should reach the insurer, at least a few weeks before the chosen deferred period in the policy ends.
That way the insurance company gets enough time to process the claim and also get reports from the policyholder’s GP.
At Financial Life, our expert financial advisors can help you with the claim process.
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