With your protection policy you have access to the following services through our Aviva Care benefit:

• Digital GP
• Best Doctors Second Medical Opinion
• Family Care Mental Health Support
• Bereavement Support

You will not have to pay your premiums while you are receiving an income benefit. During this time, your policy continues as normal, so that if you do return to work and at some stage in the future need to claim again your plan has continued unchanged.

A daily replacement income is paid if you are in hospital for more than seven days during your deferred period.

If you return to work full or part-time – either in your old job or a new one – and you’re earning less than you were before, you may be able to get an income from partial benefit.

Your plan will continue if you change jobs, regardless of what you’ll be doing in your new job.

Your plan will also continue if you’re made redundant. You won’t be able to claim while you’re looking for a new job, but you won’t have to reapply for cover when you’re employed again.

For so many of our client’s recovery means a chance to return to work or begin a new career. Aviva offer resources and assistance to help you get back into the workforce when you are ready.

Aviva will immediately restart your benefit if you have a relapse within six months of returning to work – there will be no waiting period in this case.

If you return to work part or full-time either in your old job or a new career, and your new earnings are less than previously earned, you may be eligible to receive a partial benefit.

This option allows you to increase your income benefit by 20% of your original amount without having to provide new evidence of health. This offer will be made to you every three years, five times over the life of your policy, allowing you to increase your benefit by 100% of the original benefit amount.

If you claim due to a Terminal Illness and have been diagnosed with less than 12 months to live, your income protection benefit payments will start immediately.