Income Protection (IP) Claim

2 min. readlast update: 11.01.2023


An Income Protection (IP) Claim refers to the formal request made by a policyholder to receive benefits from their income protection insurance policy. Income protection insurance is a type of policy that provides a replacement income if the policyholder cannot work due to illness or injury.

Key Features

  1. Triggering Event: An IP claim is triggered when the policyholder cannot work due to illness or injury. The policyholder must typically be off work for a specified period, known as the waiting period before benefits are payable.
  2. Claim Process: The claim involves notifying the insurer of the illness or injury, providing necessary documentation (like medical reports), and waiting for the claim to be assessed and approved.
  3. Benefit Payment: Once the claim is approved, the policyholder receives a regular income payment, typically a percentage of their usual income, for a specified period or until they can return to work.


An IP claim provides financial support to policyholders who cannot work due to illness or injury. It helps cover regular expenses and maintain a standard of living during the recovery period.


When making an IP claim, it's important to understand the policy terms, including the waiting period, the benefit period, and any exclusions or limitations. It's also crucial to submit the claim as soon as possible after becoming unable to work, as delays can complicate the process and prolong the payout.


An Income Protection Claim is a crucial component of an income protection insurance policy. It provides financial support to policyholders who are unable to work due to illness or injury, helping them navigate a challenging time. Understanding the claim process and the requirements can help ensure that policyholders receive the benefits they're entitled to in a timely manner. 

If you have any questions, please don't hesitate to contact us

Note: While Claimfinder connects you with super claim specialists, we don't directly process claims or offer legal/financial advice. For more information about our services and responsibilities, please refer to our Privacy Policy and Terms of Use.  
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