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Group Income Protection.

Group income protection aims to provide an income for an employee when they're unable to work long term, as a result of an illness or injury. If the policy incapacity definition is met, then payment starts after a deferred period. The deferred period is like a waiting period which is often 26 weeks but you choose a period that’s suitable from range of options. The payment can continue until the employee returns to work, otherwise, depending on the options you choose, when they reach their state pension age.

As well as the financial support, we aim to help you manage long-term sickness absence. Policies include rehabilitation where appropriate, to help support employees back into the workplace.

Designed to help you by

  • Reducing the impact from long term absence costs.
  • Providing support, where appropriate, to help employees back to work.
  • Collaborative absence processes and management information.
  • Helping to enhance your benefits package to help attract and retain employees.

Benefits to your employees

  • Financial support when absent long term, due to illness or injury.
  • Where appropriate, fast track funded rehabilitation treatment such as physiotherapy and psychological treatment.
  • Rehabilitation Support can be provided, throughout absence including support with return to work.

Read our Group income protection product brochure (PDF: 2096KB)  and Group income protection technical guide (PDF: 390KB)  for more details.

We'll continue to provide cover and pay any valid claims as long as the policy terms are met. You can find when we will and won't pay claims and a glossary of terms, in our Group income protection technical guide (PDF: 390KB)  


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Typical costs

Our Group Income Protection cover can cost 0.66% salary on average.

Group Life cover can cost 0.35% salary on average.

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Your guide to Group Income Protection

Access our useful online Group Income Protection guide to help you administer a policy.