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.
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)
We may record and monitor calls. Call charges will vary.
Access our useful online Group Income Protection guide to help you administer a policy.