Additional benefits of Income Protection

Our Income Protection also automatically includes fracture cover and hospitalisation payment as standard.

There’s no need to wait for your chosen deferred period to end before getting a payout and they don’t affect your main Income Protection cover.

Fracture cover

We’ll pay up to £4,000 per fracture cover claim - we cover multiple fractures in the same claim, up to the £4,000 claim limit. And a client can make up to two fracture claims in a 12 month period.

  • Fracture cover is available from the day a client's Income Protection starts and there's no deferred period to wait before making a claim.

  • It doesn't affect your client's main Income Protection cover.

The payout a client receives depends on the fracture site, see our plan details for full details.

Fracture cover details

Hospitalisation payment

If a client is hospitalised for more than six consecutive nights during their deferred period, we’ll pay £100 per night, for up to 90 nights during the term of their cover. If we’ve started paying a claim and they’re discharged from hospital, then readmitted for the same cause, we’ll restart their payments (subject to certain conditions).

Back-to-work payment

We give clients with deferred periods of 13, 26 and 52 weeks a back-to-work payment in their first and second months back at work to help meet any additional expenses.

The amount they get depends on their cover payment period:

Cover payment periodFirst month Second month 
Whole term 50% of monthly payment 25% of monthly payment
One, two or five years 25% of monthly payment 10% of monthly payment

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The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.