Are You Allowed To Continue Working After A Critical Illness Claim?

Once an Insurance company has paid your claim it has no interest how you live your life or what you go on to do. The cash is yours to spend how you like and you go on to live your life how you like. Being able to recover in comfort may mean you become healthy enough to return to work or start employment again, perhaps in a different role. If so, that’s fine.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

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What is Critical Illness cover?
Critical illness cover is an insurance which pays you a tax-free sum of money if you are diagnosed as having a serious,
Is there a waiting period to receive payment on a Critical Illness claim?
All Critical Illness policies require you to survive a specified number of days following diagnosis in order to have a valid claim. The typical survival period is 28 days but some insurance companies have reduced this to 14 days.
What decisions will you have to make before you can get a quotation?
You will have to make four decisions:
Can You Include Your Children On A Critical Illness Policy?
Yes. Most insurers will automatically include children on your policy.
Are You Allowed To Continue Working After A Critical Illness Claim?
Once an Insurance company has paid your claim it has no interest how you live your life or what you go on to do.
It may be useful to know that:

  • 35% of men and 46% of women who develop cancer survive at least 5 years
  • 1 in 5 men and 1 in 6 women will suffer a Critical Illness before their normal retirement age.

Frequently Asked Questions related to the above topic.
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