Income Protection and change of job after a claim

Skintsaver

I have income protection with Aviva. Say I can't continue my current work due to a permanent injury. And have to go from working on the tools to say a office job.  will working in a office job end my claim? How does this work?

tacpot12

This is a good question, but one that you should have asked before you bought the policy. You might find that in the policy schedule it mentions "Own occupation". If the cover is for your "Own occupation" it should pay out if you cannot work on the tools and have to move to doing office work. 

The alternatives are "Any suited occupation" and "any occupation".  This YouTube video should help you understand the differences: https://youtu.be/iZ6S2sHk3oQ?si=PA7FMJ03XBBsBAUz

If you can understand what the policy covers, call Aviva Customer Services and ask them to confirm where in your policy documents it says which sort of cover you have. 

DullGreyGuy

Skintsaver said:

I have income protection with Aviva. Say I can't continue my current work due to a permanent injury. And have to go from working on the tools to say an office job.  will working in an office job end my claim? How does this work?

Like all classes of insurance there are differing levels of cover. The top tier would effectively give you a top up such that your sum insured is maintained and will be a "own occupation" cover. At worst being able to do any job will terminate the claim. 

kingstreet

There may be proportionate, or rehabilitation benefit payable if you have to take work of a less physical nature. You need to check your policy wording or contact your insurer.

Aviva's Income Protection Plus guide currently says;-

"Back To Work Benefit - If you return to work after incapacity to a different job, fewer hours, or restricted duties we'll pay a reduced benefit amount to make up the difference in your loss of income."