There are many reasons why an income protection policy does not pay out on a claim. It could be that you have not yet reached the deferred period. Maybe you forgot to include the medical evidence required by the company.
Small problems like these are easily solved.
Big problems are a headache
Bigger problems may not be as easily resolved.
If you are claiming for a pre existing condition, which you did not declare, then you could be in trouble. Not keeping your premiums up to date is another red flag for an insurer.
Medical questions around the extent of your ill health or injury can hold up a claim for some time.
What to do?
Usually getting any questions answered solves most problems. Keeping your premiums up to dates is an obvious way to avoid complications. Pre existing conditions should always be declared.
The extent of your disability or ill health are difficult areas to address. Going back to your doctor or medical professional is the first step here.
Central Bank of Ireland regulations cover all insurance policies so you should check there if you are unhappy with a decision.