Income Protection product details
Find out more about our Income Protection and how your clients can choose their own cover to suit their individual needs.
We'll pay out Income Protection claims if your clients are unable to work due to illness or injury and meet our definition of incapacitated. Once the deferred period has finished, they'll get a regular income every month.
If your clients meet our definition of terminal illness, they won't need to wait for the deferred period to end before we start making payments.
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Plan choices – Income Protection
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Limits of Income Protection
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Increasing Income Protection
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Minimum benefit amount
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Duration of claim payments
NHS medical professionals
For your clients employed by the NHS, or with a sick pay arrangement matching that of the NHS, we understand the deferred period can be tricky.
That's why we offer a special deferred period for NHS medical professionals, designed to make sure your clients start receiving their benefit as soon as their sick pay halves, regardless of their length of service.
These clients can also be eligible for sabbatical cover, provided they keep paying their premiums.
Find out more about our eligibility criteria for NHS medical professionals and how to set up the plan for your client.
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:
An outline of a skeleton with different payout values.
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 period | First 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 |
Making a claim whilst abroad
Claims for Income Protection can be made from any country, however we might need the person covered to return to one of the countries listed on page 5 of our plan details.
We won't pay a claim if:
- It’s the result of intentional self-inflicted injury.
- It’s the result of an exclusion shown on the cover summary.
- The person covered doesn't meet the definition of incapacitated in our plan details.
- If any medical or other evidence is not supplied when we ask for it.
Terms and conditions
For full terms and conditions see our Personal Menu Income Protection plan details [PDF, 0.4MB].