I've returned to work but I'm ill again — is it a new income protection claim?
It may be treated as a continuation of your previous claim, which could mean no new deferred period. Many income protection policies have a linked-claim rule if you become unable to work again for the same or a related reason within a set time, often several months. Contact your insurer as soon as possible.
Different condition
If the new illness is unrelated, it may be a new claim with a new deferred period.
Evidence
The insurer will ask for medical information about the new period off work.
Phased return
If you were on a reduced benefit while returning, check how it is affected.
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