What is an income protection deferred period?
The deferred period is the length of time you must be unable to work, as defined in your policy, before income protection benefit can start. It is chosen when the policy is taken out and shown in your policy schedule. A longer deferred period usually means a lower premium, but you will need to cover your outgoings for longer before any benefit is paid.
How the deferred period works
The deferred period begins from the point you become unable to work under the policy definition. Benefit is only payable once that period has passed and the claim has been accepted, and is then normally paid in arrears.
Choosing a deferred period
Deferred periods are often set to line up with sick pay from an employer or with how long savings would last. Insurers offer a range of options, commonly measured in weeks, and the choice affects both the premium and how soon benefit could start.
Why you should tell your insurer early
You do not normally need to wait until the deferred period ends before contacting your insurer. Notifying them early gives time for the claim to be assessed, and your policy may set out when you should let them know.
Where to find your deferred period
Your policy schedule states the deferred period that applies to you. If your employer sick pay or financial situation has changed, it may be worth reviewing whether it still suits your circumstances.
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