Frequently asked questions
Answers to the most frequently asked questions concerning daily allowance.
The claims inspector is an insurance coordinator who will meet with you in the event of a claim for incapacity for work. The meeting enables us to understand your circumstances, respond to your various requests and ensure the investigation of your case is conducted as quickly as possible on behalf of the insurer or another body.
Our medical officer examines your medical file in order to assess the prognosis, the conditions for returning to work and the medical treatment delivered during your period of incapacity. He/she provides us with recommendations regarding the follow-up of your case.
It is a medical examination conducted by a specialist. We may need to ask you to undergo an expert assessment in order to help our medical officer evaluate your file.
In order to comply with legal requirements concerning data protection, we will ask you to sign a mandate that will allow us to obtain the information we need quickly so that we can determine your entitlement to benefits.
- If you are unable to work due to incapacity, your collective insurance coverage and entitlement to benefits come to an end.
- In the event of an ongoing incapacity for work, your coverage will depend on the specific aspects of your group contract.
You should tell us immediately that you have left your company and specify that you wish to be offered a switch to individual insurance cover. If you accept this offer, you will continue to enjoy insurance coverage with the same conditions as you had when you were an employee of the company. You will be responsible for paying the premium associated with the policy.
Your overall situation remains unchanged, but you must:
- Inform your loss of income insurer directly about your incapacity for work (it is no longer your employer’s responsibility).
- Inform the insurer of any change in your personal circumstances (unemployment, new employer, disability, change of address, of income, etc.).