In case of disaster: incapacity for work
The incapacity for work guarantee is most often subject to a waiting period. In case of invalidity of the insured, the deadlines can be taken care of only after the waiting period stipulated in the insurance contract. However, if the disability is caused by an accident, this delay does not come into play: the insurer pays the compensation following the finding by a doctor of the disability caused by an accident.
The period of the waiting period passed, the assumption of responsibility is effective under the condition that the incapacity of work is prolonged without any interruption.
In the event of a claim, it is necessary to inform your insurer at the end of the waiting period by indicating your contact information, the reference number of the insured loan and the precise date of the beginning of the incapacity for work. The insurer will then inform you of the manner in which you must proceed to establish your compensation file (documents to provide, conditions of compensation).
Death and Total and Irreversible Loss of Autonomy
It is necessary to immediately notify the insurer or a death in order to receive from him advice on the steps to be taken. In the event of death, it is the heirs’ responsibility to provide the insurer with a personal registration form (death certificate) and a medical certificate indicating the cause of death of the insured. The insurer will then assume the repayment of the remaining capital due according to the insured portion.