You tell us how soon you would like payments to start if you became incapacitated and were to make a successful claim.
For example, if you have a company sick pay scheme that pays for six months, you may want the plan to start paying out after the end of this period. But if you are self-employed, a monthly benefit could be needed much sooner.
To ensure payments start when you need, the plan offers four different periods (called deferred periods) after which you will receive payment of income protection benefits if you make a claim.
These deferred periods are 4, 13, 26 and 52 weeks. Generally, the longer the deferred period, the lower the premium is likely to be.