Income Protection Benefit

In 2017, we paid out over £1.2 million in income protection claims to our customers and their families. We have now added rehabilitation support services to our product to ensure we assist claimants’ return to work without deducting it from their claims.

Rehabilitation Support Service

What is this service?

Our Rehabilitation Support Service – available at no extra cost to your client – offers qualifying claimants access to a specialist rehabilitation team who will build a structured return to work programme.

Following an initial assessment, your client will be provided with the appropriate early intervention treatments, as well as support and guidance from our healthcare professionals.

The intention is to improve the overall service provided to your client at a time when they need us most.

Understanding the benefits

Your client will benefit from a dedicated team of healthcare professionals, including trained nurses, physiotherapists and occupational therapists. The team will provide specialist advice and support, to facilitate the return to work.

We know from our experience within our group protection plan that early intervention and rehabilitation treatment and support is highly successful and can be hugely beneficial.

There is no guarantee that the rehabilitation service will enable your client to return to work before their deferred period ends – of 4, 13, 26 or 52 weeks – when they will then start to receive monthly benefit payments.

If early treatment is successful, they may be able to return to work earlier. However, should the treatment prove unsuccessful we will also be on hand to support them financially with monthly payments.

Services we can provide

  • A triage service to determine their needs – if your client has been absent in the early stages of the claim due to psychological or musculoskeletal problems, or cancer.
  • Full rehabilitation assessments, which are more in depth than a triage and typically done over the phone, but face-to-face assessments can be done where appropriate.
  • Ongoing reviews to support the benefits team in managing claims, and helping your client to understand what treatments and/or self-help measures are available.
  • File reviews to give direction in the management of the claim and monitoring new medical information.

Download the guide