Claims: Individual and Executive Income Protection

Lady with red glasses having a conversation

How to start your claim

We provide a wide range of Income Protection policies. To ensure your claim is processed as quickly as possible it's important to complete the correct claim form.

The best way to do this is to call us on 0345 600 6761 or email us at claimsUK@unum.co.uk. We will need the following information:

your name
your date of birth
your policy number.

We can then email or post your claims forms, whichever is more convenient for you. Please also see our guide to making a claim below.

Please see the relevant guide (linked below) for more details on how to make a claim under your policy.

How to make a claim – Personal IRP/Personal IP/Primary IRP

How to make a claim – Individual Income Protection – Essential Ability Cover

Where to send the forms

Email: claimsUK@unum.co.uk

Post:
Unum
Claims Department
Milton Court
Dorking
Surrey
RH4 3LZ

Call: 0345 600 6761 if you have any queries or would like to submit a claim by phone.

When to submit the forms

You can submit a claim as soon as you anticipate a problem, but please make sure you submit the forms:

within 4 weeks of going absent from work (if your policy's deferred period is 13 weeks or fewer)
within 10 weeks of going absent from work (if your policy's deferred period is over 13 weeks).

Managing your claim

The onset of an illness or injury is traumatic enough for everyone involved without having to deal with unwanted and unnecessary administration.

To help support you, you will be looked after by a dedicated Claims Assessor who will stay with the claim, providing much-needed continuity.

Your Claims Assessor will guide you through the assessment and keep you in the loop – giving regular updates to the policyholder and asking for clarification when we need it. If you have any questions at any time, you can contact your Claims Assessor directly by telephone, email or letter, whichever you prefer.

Claim payment

If your claim is accepted, regular Income Protection payments will be paid monthly in arrears directly to the policyholder’s bank account.

Paying benefit when it’s needed and for as long as it’s needed is vital. We will deliver on that commitment for as long as the claim lasts. Once a claim decision has been made, we’ll call to confirm the payments we’ll be making and talk about ongoing claims management plans.

If we don’t think the evidence supports paying the claim, we will take care to explain the reasons why – quickly and clearly.

Rehabilitation service

If you would like help from our team of rehabilitation experts, please call our Rehabilitation Helpline on 0345 600 6765.