3. If you recover then become ill again you can recommence your claim or if it is for a different incapacity, claims are not restricted to one event.
4. Benefits paid for both short & long term illnesses and accidents, based on the chosen deferred period. The income protection insurance provider cannot cancel cover once you have been accepted. You can cancel, they cannot.
5. Inflation protection can be provided by arranging an income protection insurance policy which increases in line with increases in RPI (retail prices index). This provides increasing cover to take into account rising future costs.