LV= uses cookies to give you the best experience online and to provide anonymised, aggregated site usage data. You can find out what cookies we use and how you can disable them in our Cookie Policy. By continuing to use our website, you agree to our use of cookies in accordance with our cookie policy unless you have disabled them.

skip to main content

Income Protection

Provides you with a regular income if you're unable to work because of an accident or sickness.

  • Pays out if you're too ill to work because of an accident of sickness
  • Gives you monthly payments so you can continue to pay your bills when your income stops
  • Available as comprehensive or budget cover
Man in a leg cast on the sofa with his wife

Make an Income Protection claim

We're here to pay claims and pay them as quickly as possible. Here you’ll find all the information needed to make a claim on your income protection policy.

Read about what you or your family need to do in the event of an income protection claim.

Step 1 - What to do first

  • Contact us as soon as possible - you can call, write or email so we can send you the claim form and related information.
  • Return the completed forms including any additional information we’ve asked for.
  • Keep paying your premiums until we contact you to let you know if your claim has been accepted.

Step 2 - The information we'll need

  • Completed claim and consent forms.
  • Medical reports from your GP or medical specialists.
  • Financial information - such as a P60 or if you’re self-employed, your last set of accounts or tax return.
  • We'll let you know exactly what we need from you in the claims information we send you.

Why and how we assess your claim

  • We’re seeking to make sure that your circumstances meet the definitions in your policy. We assess the claim against the actual definitions in your policy. We always take a common sense approach to those claiming under older policies which might have less flexible wording or when circumstances aren’t straightforward.
  • If your policy has any special provisions or terms imposed when you took it out, we’ll explain these to you if it could affect your claim.
  • The benefits payable under most claims are directly linked to your income before you became unable to work. Your policy will clarify what your maximum benefit is; however, reductions in payments may occur if your income has reduced since the policy was taken out.

Contact us

  • Call us on 0800 756 5869
    For TextDirect call 18001 0800 756 5869 (8.30am - 6.30pm, Monday to Friday)
    If you're calling from overseas call +44 1392 366 685
    Lines are open 8.30am - 6.30pm Monday to Friday
  • Email us:
  • Write: LV= Health Claims, LV=, Emperor House, Grenadier Road, Exeter Business Park, Exeter, EX1 3LH

The decision

When we've finished our assessment of your claim, we’ll do the following:

  • Let you know if your claim has been accepted.
  • Confirm details of the payments to be made, and when you’ll receive them.
  • If you selected premium waiver when you applied for your cover, then we will set this up at the same time so that we can keep paying your premiums.
  • We’ll continue to review your claim periodically. The timing and nature of the review will be an individual decision based on your circumstances.
  • When you feel able to return to work we’ll explain the conditions within the policy which could provide you with partial payments until you’re back to full health.

Frequently Asked Questions

Number 1

Why have you asked to see the birth certificate or passport? We need to confirm the date of birth of the person insured to make sure that he or she has been paying the correct premiums.

Number 2

What is your response time to inquiries? We do our best to respond to any inquiries as quickly as possible. But depending on the type of your enquiry it may take us up to five days to get back to you.

Number 3

What financial information do you require? Typically P60s, self-assessment forms and/or business accounts.

View more FAQs

Understand life cover

We've created lots of useful information to guide you through the process of finding which life insurance product is right for you.

Which product is right for you?

Why choose LV=

An insurance provider you can trust established in 1843.

  • 90% of new claims paid in 2016
  • UK's largest friendly society

Policy documents

  • Key features
  • Our services
View policy documents

Need to make a claim?

Speak to one of our experienced claims advisers to help guide you through the process.

How to make a claim