When do I file a claim? November 04, 2020 14:28 Updated You should file a claim when you have a sickness or injury that has kept or is currently keeping you out of work. Related articles What should I expect after a claim is submitted? Can I file my claim before losing my income due to a health crisis? If I am suddenly unable to work, do I need to keep paying premiums? Once I've filed a claim, how can I check its status? Is there a waiting period?