Making an Income Protection claim
If you get ill or injured and can't work for a while, or become Involuntarily Unemployed (if you have Involuntary Unemployment Cover), we understand how stressful this can be so it's very important that you advise us of the claim as soon as you can. We'll do everything we can to make sure things run as smoothly as possible.
How to make a Virgin Income Protection claim
|For new and existing claims||
1300 814 990 (Press 1 then 1)
Mon to Fri 8am to 8pm (AEST)
|To send us an firstname.lastname@example.org|
|To fax us documents||1800 731 122|
|To post us documents||Virgin Life Insurance Claims
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Carlton South, VIC 3053
Things you'll need to support claim
- A complete Medical Practitioners form, if applicable
- A certified copy of proof of your identity such as your driver's license or passport
We may need you to send us evidence of your income, involuntary redundancy and job seeking; or other relevant documents depending on the nature of your claim. For Involuntary Unemployment for example, a certified copy of your notice of redundancy from your employer and a certified copy of your Separation Certificate would be required. We will discuss this with you when you call us to advise that you wish to make a claim.
You'll need to fax or post these documents so we can promptly review your claim.
Your claim will be taken care of by your own personal claims case manager.
We pay income protection benefits one month in arrears, after the waiting period has finished. For example, if your waiting period is 28 days, and you become eligible to claim on 1st September, you'll see out this waiting period, and receive your payment at the end of October for benefit period 1 October to 30 October. After this, you'll receive your benefit payment at the end of each month, until your benefit period expires or you return to good health and/or work.
Please note that under Bonus Cover, benefits for some common injuries, such as broken bones, and illnesses such as a heart attack accrue faster - starting from day one of your Sickness or Injury.
Every month that you are out of action, you may need to complete and send us a progress claim form as requested by your case manager so that we know you are still entitled to receive a payout. You are responsible for the costs of providing the initial and ongoing information or documents to support your claim.
- Your Waiting Period: is the time you need to be continuously 'Out of Action' or redundant before benefits start to accrue. Benefits are then paid monthly in arrears while you're getting medical care or looking for new employment.
Note about Involuntary Unemployment Cover: You’ll need to have held the cover for 6 months before you become involuntarily redundant, then also be unemployed for 28 days.
- Your Benefit Period: is the amount of time you can receive payments when you're unable to work due to sickness or injury. These payments will continue as required up to the end of your chosen Benefit Period.
Note about Involuntary Unemployment Cover: You could receive a monthly benefit for up to 3 months.
Here are some examples of how it all works...