 When income is substantiated at application, any future benefit is normally 'agreed' with no further medical evidence required at claim.If no financial evidence is provided at application, income needs to be substantiated at application with the possibility of a lower claim benefit being payable if the claimant cannot confirm the income that was originally applied (indemnity).Claims

Getting a payout is not guaranteed, sick notes need to be provided and a report from your doctor, the Insurance company can take 2-3 months before payments start so best to have some emergency savings.