How do I make a claim on my Income Protection insurance?

Making an Income Protection claim involves several steps and requires ongoing cooperation with your insurer. First, notify your insurer as soon as possible after becoming unable to work - most policies require notification within a specific timeframe, often within 30-60 days. You'll need to complete a claim form providing details about your disability, how it prevents you from working, and your employment and income history. Your doctor will need to complete a medical certificate or medical report detailing your condition, treatment, and prognosis. The insurer may also require financial documentation like tax returns, payslips, or employer statements to verify your income. Once submitted, the insurer reviews your claim, which may involve requesting additional information, obtaining independent medical examinations, or speaking with your treating doctors. After the waiting period, if approved, benefit payments commence monthly. Importantly, IP claims require ongoing proof of disability - you'll typically need to provide updated medical certificates monthly or quarterly and may need to attend independent medical examinations. You must also participate in reasonable rehabilitation programs if requested. The insurer can suspend or cease payments if you don't provide required evidence or if you recover. Keep detailed records of all communications and medical appointments throughout the claims process.