A Guide To Making a Claim
The time after somebody dies is very difficult for their family and friends who are left behind. As well as dealing with the emotional loss and pain, there are many issues to sort out. We hope this guide helps to explain our claims process.
You can contact us in any of the following ways to send us a claim, get advice on how to claim or get an update on the progress of your claim.
- Phone: 01 704 1010
- Fax: 01 680 3387
- E-mail: firstname.lastname@example.org
- Post: Protection Claims Department, Irish Life, Lower Abbey Street, Dublin 1
- Our office hours are from 9am to 5pm.
What information do I need to tell you?
- The name of the person who has died
- The plan number
- The date the person died
- The date of birth of the person who has died
- Your relationship to the person who has died
- Name, address and phone number of a person we can speak to about the claim(usually the next of kin)
What will happen next?
When we receive your claim, we will check that the plan was valid on the day the person covered under the plan died. We will write to you to let you know the documents that we need to process your claim. We will also check whether the person had any other plans with us on the day they died.
How we Process a claim?
We assess all claims to make sure they are genuine and valid. This protects our customers against the effects of increased claims costs, which could lead to higher premiums. Your claim will be assessed by qualified and experienced claims assessors including qualified general nurses and our chief medical officers who are consultant doctors. We will keep any medical information that we ask for strictly confidential. All of our claims assessors must keep to a code of practice when they work with medical evidence. Any medical information we receive will only be seen by people who are authorised to do so.
What decisions can you make on my claim?
We pay most death claims. But very rarely, we cannot pay a claim. The main reason why we will not pay a death claim is if the person who died did not tell us about certain facts (medical or other) when they first applied for the plan. Other grounds on which claims may not be paid are;
- Because of something we don’t cover in the plan.
- If premiums were not being paid when the person died.
How long does it take to pay a death claim?
We try to process claims as quickly as we can. We pay a third of death claims in four weeks or less. But, the length of time it takes for us to pay a death claim can vary, and if legal issues are involved (for example if we need grant of probate) it typically takes around 25 weeks, from when we are told about the death.