How Long Do Benefits Last, and Can I Claim More Than Once? (TELUS Bill Payment Protection)

Here’s a simple breakdown of how long each type of TELUS Bill Payment Protection benefit can pay out, and whether you can claim again after a benefit ends.

📄 Where to Find This in the Policy Wording

You can review the full sample policy here:
Sample Policy

All maximum benefit period details come from this document.

✅ Involuntary Unemployment (Part A)

If you lose your job through no fault of your own:
Pays until you're back to work, up to a max of 6 monthly bill payments.

➡️ Maximum: 6 months

✅ Self-Employed Involuntary Unemployment (Part B)

Same benefit period as standard unemployment.

➡️ Maximum: 6 months

✅ Critical Illness (Part C)

If you’re diagnosed with a covered critical illness:

Pays up to 6 monthly bill payments. This benefit is paid only once under your certificate.

➡️ Maximum: 6 months

✅ Disability (Part D)

If you can’t work due to a covered disability:

Pays until you return to full-time work, up to 6 monthly bill payments.

➡️ Maximum: 6 months

🟦 Life & Dismemberment (Part E) – This one works differently

This benefit is not paid monthly.

Instead, it’s a one-time lump sum, equal to the lesser of:

• 6 × your monthly coverage limit, OR
• Your outstanding balance

➡️ Equivalent to up to 6 months of coverage, but paid all at once.

🔁 Can I Make More Than One Claim?

It depends on the coverage type.

✅ Involuntary Unemployment (Part A)

Yes. Once you’ve returned to full-time work (at least 25 hours per week) for 6 consecutive months, a new period of covered unemployment can qualify for another full benefit period.

If you return to work for less than 6 months and become unemployed again, you can only claim whatever is left of your original 6-month benefit.

✅ Disability (Part D)

Yes. After your claim payments are complete, you must return to permanent full-time work (at least 25 hours per week) for 60 consecutive days before you can make another disability claim.

❌ Critical Illness (Part C)

No. This benefit is paid only once under your certificate.

❌ Life & Dismemberment (Part E)

No. This is a one-time lump-sum benefit.

Updated on: 14/10/2026