Coronavirus - personal sick pay

Coronavirus (COVID-19) update for personal sick pay policies

Following the Prime Minister’s announcement on Monday 23 March, most of the UK population are being asked to stay at home to protect the NHS, and save lives.  

At this time, people are only allowed to travel to and from work when it is absolutely necessary and their work cannot be done from home. 

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.

Please note if you applied for Personal Sick Pay after 27 March 2020 then you wouldn't of been able to take out a policy with a day one or 1 week waiting period.

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

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

Get in touch

If you need to make a claim, or you have a question about an existing claim, please call us.

If your question is of a more general nature, we'd be really grateful if you could use email first to contact us so we can keep our phone lines as free as possible for vulnerable customers.

Simply pick the most suitable email address for your enquiry from the list below and we’ll get back to you as soon as we can.

If you have a protection policy

Claims

  1. Wondering if you can claim
  2. Want to make a claim
  3. Are in the middle of the claiming process
  4. Receiving money from a claim
[email protected]
About an existing policy [email protected]
About a new application [email protected]

Claims

  1. Wondering if you can claim
  2. Want to make a claim
  3. Are in the middle of the claiming process
  4. Receiving money from a claim
[email protected]
About an existing policy [email protected]
About a new application [email protected]

Of course, if you’d prefer to phone us this is how you can give us a call.