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To qualify:
You must be working and become continuously unemployed beginning no sooner than
60 days after the start date. You must be continuously unemployed for at least the
duration of your deferment period.
• You must be available for, capable of and actively looking for work (except where you left
work to care for a relative and you are registered as a carer) while unemployed.
• You will need to provide satisfactory proof that you are actively looking for work, including:
Being registered for work with the Department for Work and Pensions or another relevant
agency in your country of residence and receiving a form of Jobseeker's Allowance as
defined by the relevant legislation or regulations and receiving credits for National Insurance
contributions because you meet the conditions for Jobseeker's Allowance, even if you do not
receive Jobseeker's Allowance (we will treat the first day of your being registered as the first
day of your claim); or
If you are not eligible for Jobseeker's Allowance because you receive alternative state support,
for example you are in receipt of Income Support Benefit, or Widow's Pension, or Single Parent
Allowance, each month you must provide evidence of this alternative benefit and two pieces of
satisfactory evidence for us to validate that you are seeking work.
• If you are self-employed, evidence from your Accountant or Tax Office that your business
has ceased to trade.
• You must be under the age of 70 at the start of the claim.

Benefit payable:
If your deferment period is 14 days, we will pay a daily equivalent amount of your monthly benefit for each consecutive day that you are unemployed, from the first day of your unemployment.
• If your deferment period is longer than 14 days, we will pay a daily equivalent of your monthly benefit for each consecutive day that you are unemployed after the deferment period.
• If you have more than one job immediately prior to making a claim and you have since been made unemployed with respect to one of those jobs and you are ineligible for Jobseeker's Allowance we will pay your benefit on a pro-rata basis, relative to the working hours lost, subject to the terms and conditions contained within this Policy (e.g. If you were working in 2 part-time jobs of 20 hours per week each and you were made redundant from one job, we would pay half of the normal benefit payable on this basis).

Benefit duration:
We will continue to pay this benefit, on a monthly basis, until:
• The end date; or
• The date you retire; or
• You are no longer unemployed; or
• You are no longer available for, and actively looking for work
(or cannot provide evidence that you are); or
• We have paid benefit for your maximum benefit duration;
Whichever happens first.

Maximum benefit:
• Your monthly benefit and your maximum benefit duration are both shown in
your Policy Schedule.
• The maximum monthly benefit we shall pay under this policy and any other Income
Protection or similar policy underwritten by us or any other subsidiary of Barclays Bank
PLC is 50% of your monthly gross earned income at the start date or if amended, at
the amendment date.