Disability and unemployment cover: understanding the risks
Income protection products, including disability and unemployment cover, are designed to replace part of a person's earnings if they cannot work. Many people receive this protection through their employer.
Claims can be complex, because insurers must assess medical evidence, employment status and policy definitions. Disputes often arise around what counts as disability or involuntary unemployment.
Reading policy terms carefully, keeping good records and understanding the claims process can help policyholders when they need to make a claim.