Committed to caring for our members and the environment
Frequently asked questions
How do I apply for a Sickness Plan?
You can apply online or download an application form from our website. You can also contact the Membership team on 01474 567050 who will be happy to assist you with your application.
Who can apply for the Sickness Plan?
Anyone who is in good health, that has not been diagnosed with a terminal illness or not or will not be undergoing any investigation related to a terminal illness. Anyone that is or able to work at the time of the original application, is a UK resident, between the ages of 16 and 60 and able to pay premiums by direct debit.
Is any line of work acceptable?
We do not assess your line of work and our premiums are not adjusted to any risks associated with any occupational risk.
What is covered by the Plan?
The Sickness Benefit Plan will pay you £100 pr week sickness benefit – please note that the first 7 days of sickness are not covered by the Sickness Benefit Plan.
Will my premium go up after my Plan is set up?
Premiums published on the website and application form are inflation proof and guaranteed throughout the Sickness Benefit Plan term.
These increase gradually as you get older reflecting an increasing sickness risk. As you move to the next age band your premium will increase to the next level, see published premium table on the membership page. The Society will notify you at least 15 days in advance of any change to your direct debit payment.
Sickness benefit ends at age 70. Beyond this, members have the following options
1. Continue as a Society member by paying £10 per month membership fee providing access to the full range of discretionary benefits including death benefit. When members reach age 85, premiums end and free life membership is provided.
2. Notify the Society via email, phone or post you wish to cancel membership with no exit fees.
How long does it take before my Plan is effective?
The Sickness Benefit Plan and Society membership will start once the application has been accepted and the first contribution has been paid.
Is there a Qualifying Period?
The Sickness Benefit Plan must have been running for a minimum of 13 weeks before you are eligible to claim and no payment of Sickness benefit will be made for the first 7 days of sickness.
Is the Plan flexible?
In the event Anglos launch a different variation of the Sickness Plan, this plan is flexible. Members will be able to cancel this plan and transfer across to a new version without ending their membership or needing to complete a new waiting period.
Are my benefits taxed?
No – your benefits are paid to you tax-free. Please be aware that whilst Anglos Sickness Benefit Plan and discretionary benefits are currently tax free, HMRC taxation rules could change in the future causing the benefit payments to become taxable.
How do I make a claim?
Claim forms are available at Anglo-Saxons.co.uk/claiming-benefits, download or print off the relevant claim form, complete and return it to email@example.com or post to our head office.
Can I continue with my Policy if I change employment?
Yes, if you change job, are seeking employment or move into full time education you can continue your Sickness Benefit Plan.
Do I need to tell you if I change my address?
Yes, so that we can continue to contact you in respect of your Sickness Benefit Plan and Society membership. Please download and complete the change of details form provided at anglo-saxons.co.uk and send to firstname.lastname@example.org or contact the Membership team on 01474 567050
After the proposal is accepted you will receive a Notice of your right to cancel. You will then have 30 days in which you can change your mind. If you cancel within this 30 day period you will receive a full refund of any contributions paid.
How do I terminate my Sickness Benefit Plan and Society membership
After 30 days membership, you can terminate your Society membership at any time by notifying the Society at email@example.com or the Membership team on 01474 567050. There are no cancellation charges and if relevant, premium refunds will be calculated reflecting Sickness and Discretionary benefit claims made in the last 12 months.
What does end of the policy term mean?
When you take out the Sickness Benefit Plan you also become a member of the Society. The Sickness Benefit Plan provides you with £100 per week cover until you reach 71 years old. This is the end of the Sickness Benefit Plan policy term.
If you wish to retain Society membership, be able to vote, have your say on how the Society is run and access discretionary benefits, when you reach 71 years old we offer a £10 per month membership option for anyone that has been a member for a minimum of 10 years.
Members selecting this option at 71 years old are then provided with free membership when they reach 85 years old.
What happens to my membership if I am unable to work and make a claim that runs for 5 years?
If your illness means you cannot work and you submit a claim that lasts 5 years, your Sickness Benefit Plan provides you with cover for this period of time. In this scenario, when the Society has paid you 5 years claims payment for an individual on-going claim, the payments for that specific claim cease after 5 years.
When this happens you are still a Society member with a Sickness Benefit Plan that provides you with ongoing cover for any new claims you submit following your return to work.
Ongoing Society membership requires subscriptions to be kept up be paid throughout your membership including any claims period.
In any legal disputes, the law of England and Wales will apply.
If you have a complaint, feel you have been treated unfairly or are not satisfied with any aspect of the Society, its products or services please contact us at the address below. If the complaint is not dealt with to your satisfaction you can refer your complaint to the Financial Ombudsman Service, Exchange Tower, London E14 9SR (Telephone 0800 023 4567). Following this complaint procedure does not affect your rights to take legal action.
If Anglo-Saxons Friendly Society is unable to meet its liabilities, compensation may be payable by the Financial Services Compensation Scheme. Further information on the scheme is available from the Financial Services Compensation Scheme on 020 7892 7300 or at www.fscs.org.uk
Anglo-Saxons Friendly Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered and incorporated under the Friendly Societies Act 1992, register number 189F.
When you take out a Sickness Benefit Plan with Anglo-Saxons Friendly Society you become a Member of the Society and are subject to its rules, a copy of which is available on the website.
Anglo-Saxons Friendly Society
The Old Rectory
T:01474 567 050
These notes are based on the Society’s understanding of current law and Inland Revenue practice, which may be subject to change, and provide a guide to the key features of the product. Full details are contained in the Policy Schedule and Terms and Conditions. This Plan is a legally binding contract between you and Anglo-Saxons Friendly Society Limited.