COVID-19 and Group Income Protection

A confirmed COVID-19 diagnosis will be considered under a Group Income Protection policy. However, for a claim to be valid, it must meet the terms of the policy, which includes the member meeting the definition of incapacity and having been unable to work due to illness or injury for the whole of the deferred period, which is normally 13, 26 or 52 weeks.

As COVID-19 is not expected to be an extended illness in the vast majority of cases it is unlikely many people will be able ‘fulfil’ this deferred period.