There’s no need to wait for your chosen deferred period to end before getting a payout and they don’t affect your main Income Protection cover.
We’ll pay up to £4,000 per fracture cover claim - we cover multiple fractures in the same claim, up to the £4,000 claim limit. And a client can make up to two fracture claims in a 12 month period.
Fracture cover is available from the day a client's Income Protection starts and there's no deferred period to wait before making a claim.
It doesn't affect your client's main Income Protection cover.
The payout a client receives depends on the fracture site, see our plan details for full details.
If a client is hospitalised for more than six consecutive nights during their deferred period, we’ll pay £100 per night, for up to 90 nights during the term of their cover. If we’ve started paying a claim and they’re discharged from hospital, then readmitted for the same cause, we’ll restart their payments (subject to certain conditions).
We give clients with deferred periods of 13, 26 and 52 weeks a back-to-work payment in their first and second months back at work to help meet any additional expenses.
The amount they get depends on their cover payment period:
|Cover payment period||First month||Second month|
|Whole term||50% of monthly payment||25% of monthly payment|
|One, two or five years||25% of monthly payment||10% of monthly payment|