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
 

Hot Topics

Why do I need critical illness cover?
1 in 5 men suffer a critical illness before their normal retirement age. 1 in 6 women suffer a critical illness before their normal retirement age.
Why do you need to consider a new Critical Illness policy if you already have one?
Because older policies were often limited in the illnesses they covered; your own circumstances may have changed; you may now need to increase the sum insured.
What other benefits can be added to a Critical Illness policy?
Life cover is a must. Then consider Waiver of Premium and Indexation.
Will Critical Illness policies permit the use of alternative medicines?
After you have been diagnosed with a qualifying Critical Illness and the claim has been paid you can spend your money however you like. So if you want to spend some of your money on alternative medicines then that’s entirely your choice.
What level of critical illness cover could your children get?
Insurance companies normally impose a maximum limit on any claim under the policy’s provisions for children. Sometimes the limit will be lower of a percentage of your own sum assured (e.g. 25% or 50%) or a set amount (typically £15,000 or £20,000).
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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