Employee guide to claims

Your employer's Unum Income Protection policy provides support if you experience an illness or injury which impacts your ability to work.

Claims online

Claims information

This page gives you a brief overview of our claims process, including what we need to consider a claim, what happens if you return to work part-time and the available vocational rehabilitation support and return to work programmes. It also covers how other income you receive may affect our benefits and our complaints process.

Overview of our claims process

1. What specialist support does Unum offer to help you back to work?

If you are absent from work due to illness or injury, our team can work with you and your employer to support you back to work. Speak to your employer if you’d like our support.

2. When and how to tell us about a claim

Your employer will notify us that you are unable to work. You don’t need to contact us until your employer has done this.

3. How are claims assessed?

The evidence we’ll need to assess and process the claim.

4. Claims decisions

Once we make a claims decision, we'll tell your employer. If you have any questions about the Income Protection cover, the amount of benefit payable or a decision we make, please contact your employer.

5. Complaints

If you’re not completely happy with our service or a claims decision, please speak to your employer.

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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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