When should I contact my insurer about an income protection claim?
As early as possible, ideally soon after you stop work. You do not need to wait until the deferred period ends. Early contact gives the insurer time to gather evidence, so benefit can start promptly once the deferred period passes. Some policies set a deadline for telling the insurer, so check your terms.
What to have ready
Your policy details, your employer's details, when you stopped work, and the name of your GP or specialist.
Early support
Many insurers offer rehabilitation help, such as physiotherapy or counselling, as soon as you tell them, which can help your recovery.
If you are unsure whether you qualify
Contact them anyway. They can explain the definition of incapacity in your policy.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026