BIBA Income Protection Insurance - claims procedure
- You should contact Our Administrator, Adminicle Limited, Callidus House,
Cirencester Business Park, Love Lane, Cirencester GL7 1XD or telephone 01285
886600 to request a claim form.
- You must complete the Income Protection Insurance claim form fully and accurately
and return it to Us at the address above. This claim form should be received
by Us within 60 days of the date Your Disability or Unemployment began, or
as soon as possible after this.
- We may ask You to fill in a continuing or supplementary Income Protection
Insurance claim form at Your own expense for each month You are claiming.
You must send this to Us within 60 days of the date We last paid Your Monthly
Benefit or as soon as possible after this.
- To properly validate Your Income Protection Insurance claim You must give
Us any proof We ask for otherwise We cannot pay any 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 Income Protection Insurance 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 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 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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