Firstly, don't panic, go to your Doctor
It seems silly, but many people don't seek immediate medical advice. They wait some time [often in pain] thinking their "condition" will go away.
Don't delay. Go to your doctor and if your condition warrants it, treatment for it will start immediately. It will also be on record that your condition exists.
The Insurance Company will process your claim form and notify you (and us) directly if any additional information is required.
After the Insurance Company has the information it requires, your claim payments will commence after your waiting period has expired. Most plans pay monthly in arrears. As an example if you have a 30 day wait your first cheque will not come until after day 60 being 30 days in arrears. It will then flow month by month
When you recover and return to work, you may be entitled to "partial" benefits, if you start on light duties and there is a reduction in your pre-disability income. You may need some help with this, and we'll provide it. Also you'll receive a payment for any additional days that you were still disabled after your last benefit payment was paid.
So that's it - don't panic - don't worry - let us help you and follow our instructions and your claim will be handled smoothly.
PS DO NOT ASSUME THAT YOU CAN NOT MAKE A CLAIM if you have not met your waiting period choice. There are instances where you may be paid without the waiting period applying for example -
Trelaughney Pty Ltd
ACN 120 196 858, Corporate Authorised Representative (No 344068) of Aon Hewitt Financial Advice Limited
ABN 13 091 225 642, AFSL 239183
Registered Address: 85 – 87 Fitzmaurice St Wagga Wagga NSW 2650
Aon Hewitt Financial Advice Limited is a financial planning arm of Aon in Australia. Aon Hewitt Financial Advice Limited is not owned or influenced by a bank, insurance company or financial institution. This means that our advice is comprehensive, objective and based purely on your needs.