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.

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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.

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Workplace support from Unum

Vocational rehabilitation

Unum’s vocational rehabilitation consultants are part of a team with qualifications in a number of disciplines, including occupational therapy, psychology, physiotherapy and nursing. They offer support to remain in work or return to work for employees experiencing illness or injury.

Return to work support

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.

Steps to making a claim

Your employer will notify us that you are unable to work. Once your employer has done this we will contact you. You can find out what we need and how the forms can be completed.

We will collect medical evidence from your General Practitioner along with your employee claims forms. We will also give you a call to discuss your situation and answer any questions you may have.

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.

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

Employee Wellbeing Check

A 1-2-1, personalised coaching session for employees from our wellbeing experts. Your session will focus on small, achievable lifestyle modifications you could make to improve your wellbeing — both at home and at work.

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Total health and wellbeing support, all in one app

Help@hand from Unum is there for you every day, with services from experts you can trust and everyday assistance for you and your eligible family members.*

Wellbeing calendar from Unum featuring podcasts, webinars, awareness dates and other useful support

Unum's Wellbeing Calendar

The ultimate health and wellbeing resource from Unum — featuring podcasts, webinars, awareness dates and other useful support.

If you need to get in touch with us

Complaints

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

What you need to know

For full details of our complaints process, see our complaints page here.

Guide to customer complaints