Group Income Protection

Why choose Legal & General?

• We’re one of the leading providers of Group Income Protection and our specialist benefit managers manage each absence individually to bring about the quickest possible return to work. Our Workplace Recovery proposition means we get to work early to get employees back to work fast.
• With absence due to stress making up a high proportion of claims we have an exclusive arrangement with CBT Services Ltd to offer Cognitive Behavioural Therapy (CBT) which is highly effective in treating such cases.
• We encourage early notification of absence as we can often arrange diagnosis and assessment after only four to six weeks of absence to ensure the best chance of return to work
• For schemes with 500 staff or more, the bonus period will be annual and run from the policy start date until the first annual renewal date, and then annually thereafter.
• For schemes with 250 to 499 staff, the bonus period will be for two years, which will normally run from the policy start date until the guarantee expiry date and every two years thereafter.
• Our Progressive option can limit the long term nature of a traditional scheme design and pay a lump sum to the employee if they are still absent after four years. Download a copy of our Progressive Group Income Protection At a Glance Guide.
• We encourage a fitter and healthier workforce and have lots of ways of helping you achieve this. Go to our Fit for Work area for more details.

How it works

• We can pay a monthly income if an employee can’t work due to long term illness or injury.
• We’ll normally continue to pay this income until the employee can return to work.
• We’ll work with the employer to help the employee get back to work.
• We can provide cover for employers with a group of 50 or more employees.
• Cover can cost from as little as 1.5% of payroll. The employer pays the cost of the policy. For employees who are not major shareholders this expense can be set against profits for tax purposes.
• The employer can choose the level of cover up to a maximum of 75% of earnings. The introduction of the Welfare Reform Act in 2008 means that Incapacity benefit will be replaced. The scheme can be designed to allow for no deduction of state benefit if required or benefit can be integrated. This is subject to an overriding maximum of £300,000 a year.
• Maximum flexibility is included so you get cover to suit your needs. All employees should be included, or all employees within a stated category or group, for example, all managers and admin staff.
• Cover can also be selected for employer and employee pension contributions, employer National Insurance contributions and Statutory Sick Pay costs.
• We’ll normally cover benefit up to a certain amount (the free limit) without the need for employees to provide any medical evidence. Employees with benefit above the free limit will normally need to fill in a Member’s declaration form before we can consider full cover.

What next?

• Contact details
• Request a quote
• For information on making a claim for benefit go to Benefits Management.

Key documents

• Group Income Protection (W8850) (pdf - 230 KB)
• Proposal for Group Income Protection (W2421) (pdf - 74 KB)
• Direct Debit Mandate (W7880) (pdf - 189 KB)
• Application for Cover - Discretionary Entrant (W1783) (pdf - 48 KB)
• Tele Interview Contact Sheet (pdf - 204 KB)