Our Claims and Rehabilitation Performance

We strive to be a genuinely customer-centric business, with the wellbeing of the customer a guiding business principle. For us, customer care means treating employers and their employees fairly and delivering quality customer outcomes.

Group Income Protection

  • We look to fund all appropriate treatment, to help get employees back to work following illness or injury, with no additional cost to the employer.
  • There are no GP referrals required for treatment and you don’t need to call PMI providers to request approvals for treatment or consultation.
  • Our in-house Rehabilitation team includes qualified health professionals from occupational health and therapy, general nursing and physiotherapy.
  • We also partner with independent experts who are leaders in their respective practices.


In 2018, our active intervention enabled 631 employees to return to work within the deferred period.


That’s almost 18% of the industry total (3,551) as reported by GRiD.


A further 269 employees were able to return to work, following a period of benefit and with the help of our active intervention.


We arranged and paid for 3,164 psychological and physiotherapy treatments.

Return to work performance

We look at the reason the absence happened in the first place, so we can help prevent it happening again. We develop a return-to-work plan in conjunction with the employee and employer, and that mediation role, backed up with clinical expertise, aims to help facilitate a successful return to work.


Claims Payments By Product Paid in 2018

Our claims teams aim to work with everyone involved and impacted, to help ensure that we pay benefit as soon as possible. We provide an end-to-end service from the time we’re notified of an absence, arranging treatment, through to a return to work or a claim.
Here are our claims figures for 2018

Group Income Protection


Group Critical Illness


Group Life


Added support when it's needed most

  • Not a Red Card

    Not a Red Card

    Red Cards in sport are normally associated with bad behaviour, but we’re using it to show that it’s not a bad thing to talk about mental health in the workplace. Mental  health, including stress, is one of the biggest causes of long and short term employee absences, so encouraging
    employers and employees to have more conversations hopefully helps limit its impact and improve wellbeing.

  • Health Assured

    We have developed our EAP for all our group protection policies with Health Assured, which provides a range of resources to help keep employees healthy and happy in work. It's designed to help manage absence rates and increase staff retention in work and it can also help in the duty of care for your employees.

  • CBT Clinics

    With our group income protection policies, we provide proactive and funded psychological treatment. This is provided where appropriate, from CBT Clinics to help employees unable to work long term due to mental ill health.

  • Obair

    Our Group Income Protection policies include proactive and funded treatments, where appropriate to help employees return to work faster. We can help arrange free return to  work assessments with Obair – specialists in evaluating an employee’s readiness and capacity for work.