Coronavirus - personal sick pay

Covid-19 update for Personal Sick Pay policies

As efforts continue to save lives and protect our NHS, we’re still being encouraged to work from home where possible, and continue with social distancing measures.

Of course our thoughts and concerns are with the ones we love and everyone’s health and wellbeing. But if you have an Personal Sick Pay policy with us you may naturally be thinking about whether it could help.

LV= Personal Sick Pay is a type of income protection aimed at people who have riskier jobs - such as tradespeople, nurses and construction workers. As such, if you have this product you may not have the option of working from home at this time and could be wondering where you stand.

Can I make a claim

If you’re unable to work and want to find out whether you can claim, the following information should help.

Your waiting period

How long will I have to wait before making a claim?

When you took out the policy you will have chosen a ‘waiting period’. Put simply this is the amount of time you will need to be unable to work for, before you’re able to claim.

With Personal Sick Pay your ‘waiting period’ could be either of these two options:

  • Day one option – If you chose this option your Personal Sick Pay would start from the first day you become too unwell to work. However, you do need to be too unwell to work for 3 days in a row before you can claim on your insurance. Once you claim we’ll backdate the amount to cover these three days. 
  • 1, 4, 8, 13, 26 or 52 week options – If you chose any of these options you would need to be too unwell to work for this number of weeks before you started getting paid your insurance.

If you’re unsure about what your waiting period is this will be in your policy documents.

Please note for Personal Sick Pay policies taken out after 29 October 2020 with a day 1 or 1 week waiting period: we won’t currently pay a claim due to symptoms or complications of COVID-19 or other coronaviruses, respiratory tract infection, cold or flu if you’re unable to work for less than 4 weeks. If your symptoms are more serious and last beyond 4 weeks we’ll consider your claim and backdate any claim payments to start from your first day off work or a week after (depending on your waiting period).

Making a claim

How long will it take to get payment for a claim?

At this time we know how important it is to get things sorted for you as quickly as we can.

Our claims team will deal with a claim in the most sensible way possible in terms of gathering evidence.

They’ll take into account your circumstances, the guidance you’ve been given and any other income you’re receiving

More about making a claim

If you think you want to make a claim on your policy here are some questions you might have

If you'd like to speak to us about your policy: