Claims: Group Income Protection

Tell us about an employee who is absent or struggling as soon as possible. This ensures we provide the right support for you and the employee as quickly as possible.

Start a claim
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Claims information

Your Unum Group Income Protection policy provides financial peace of mind if an employee can't work due to illness or injury. You also get access to a comprehensive collection of support services, including return to work support and health and wellbeing services for your employees.

Making use of these by notifying us early has benefits — our return-to-work success rate is up to 26 percentage points higher when our vocational rehabilitation consultants are involved during the policy’s deferred period than when we get involved only after a claim is made.

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Employee claims

Managing absence
How to manage employee absences

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Return to work support

Our team of vocational rehabilitation consultants work with you to support your staff to remain in work if they're struggling, or to help your employees achieve a sustainable return to work. This can be as early as the first week of absence or once their illness/injury starts to improve. 

Remember, get in touch with us as early possible — even if your employee is only just beginning to struggle. This allows us to put initial plans in place with the employee and employer to provide the right support at the right time. Simply call our helpline on 0345 600 6765 or email

When you request return to work support, we need an employee consent form. Our team will organise this directly with the employee.

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Wellbeing support

You and your employees get access to a range of support services. Check out our Wellbeing Hub, packed with information such as links to health and wellbeing services, our Wellbeing Calendar and workshops.

Claims steps
The steps in making a claim

Step 1

Tell us about an absence. It's never too early to tell us an employee is struggling. The sooner we know, the sooner we can offer support.

Step 2

The employee claim form

Step 3

Managing the claim and payment

"When notifying us about an employee absence, there’s no such thing as too early. You can even tell us if you have an employee who is still at work but struggling. This lets us offer you and your employee support as soon as possible."
Director of Claims, Rehabilitation and Medical Services, Unum UK

Information to help
Help us make a timely decision

Timely claim notification

When our vocational rehabilitation consultants get involved during the deferred period, our return-to-work success rate is up to 26 percentage points higher than when we get involved only after a claim is made.

The date of onset of illness or injury

It's really important for us to know the date an incapacity starts to impact an employee's ability to work in their full role. We call this the 'date of incapacity'.

Occupational health records

Where you have the support of an occupational health department, please do provide us with relevant reports to help our assessment.

Additional evidence

It's helpful for us to progress the claim when we receive all available medical evidence alongside the claim.


Speak to your usual Unum contact, who'll try to resolve your issue. Alternatively, you can contact our Complaints Team.

Contacting us

How to get in touch

We're here to help

Have a question or can’t find what you’re looking for? Get in touch with us.

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