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.
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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Managing absenceHow to manage employee absences
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 RehabUK@Unum.co.uk
When you request return to work support, we need an employee consent form. Our team will organise this directly with the employee.
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 stepsThe 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
Information to helpHelp 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.
Complaints
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
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Have a question or can’t find what you’re looking for? Get in touch with us.
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