Group Income Protection

Aims to provide your clients’ employees with a regular income if they cannot work because of long-term sickness or injury. Includes rehabilitation support to help employees back to work where appropriate.

Key documents

PDF file: Group Income Protection Product Brochure PDF size: 2407 KB

PDF file: Group Income Protection Technical Guide PDF size: 820 KB

PDF file: Group Income Protection at a glance PDF size: 70 KB

PDF file: Group Income Protection Early Notification Bonus PDF size: 260 KB

Introducing Protect

A new group protection online experience that allows employees to review and personalise their workplace cover 24/7 with changes starting immediately.

More about Protect

Digital Broker Platform

Get quotes and set up policies online with Digital Broker Platform. Suitable for schemes insuring 10 - 250 employees.

For large schemes and those not suitable for Digital Broker Platform, contact your account manager or email us.

Get a quote

Product details


Minimum policy size	From 10 employees.
Maximum policy size	No maximum.
Types of benefit and limits	The benefit the employee is covered for must not exceed £350,000 a year. Employer and employee pension contributions can also be covered, up to a total of £75,000 a year. The total of an employee’s benefit plus their pension contributions, cannot be more than 80% of their scheme earnings. Employer NI contributions can also be covered. Plus, we offer an integrated option where the amount we pay is offset against state benefits.
Benefit levels and payment terms	Choose different benefit levels for defined groups of employees. Benefits can be paid up until the benefit termination age or of a maximum of 2, 3, 4 or 5 years.
Free limit	Typically, up to £120,000 benefit per annum can be covered without the need for medical underwriting. The limit depends on the size of the policy and the benefit choices. Employees will be medically underwritten if their cover is above the free limit. Temporary cover of up to 90 days is available during medical underwriting, subject to conditions.
Benefit escalation options	No escalation A fixed rate of up to 5% per year RPI subject to a maximum of 2.5% or 5% CPI subject to a maximum of 2.5% or 5%
Definitions of incapacity	Own occupation – an illness or injury prevents the employee performing duties essential to their role. Suited occupation – an illness or injury prevents the employee doing all jobs that are suitable to their experience, training or education. Activities of daily working – the employee meets our definition of incapacity in at least four areas of daily working life. For larger schemes we also offer own occupation switching to suited occupation. Bespoke requirements can also be considered.
Employee eligibility	All employees, or those that fit the employer’s predefined eligibility definitions.
Age range	Employees between 16 and 70 can be covered.
Deferred periods	Benefit payments can begin after 13, 26, 28, 39, 52 or 104 weeks of incapacity. With the integrated option, the choice for when benefit payments begin is either 26 or 28 weeks.
Premium payments	Can be made monthly or annually.
Early notification bonus	Potential 5% cashback for notifying early absence for eligible schemes insuring over 250 employees.

What you need to know

Getting a quote

You can get an online Group income protection quote for your clients looking to cover between 10 and 250 employees on our Digital Broker Platform.

For large schemes and those not suitable for our Digital Broker Platform, contact your account manager or email us. .

Benefits of using Digital Broker Platform

Easy employee data upload
Quotes guaranteed for three months
Direct link to Companies’ House helps confirm and verify details
Create comparison quotes without the need to key in details again
Quotes saved for quick access
Policy documents available to download once cover is in place

Getting started

You’ll need an agency agreement and agency number.

If you’re a member of a network or a larger firm, there is probably an established contract with Legal & General or even a master agency already set up. Your principal office should be able to help you get a sub-agency number.

Once you have an agency agreement with us and your agency number, please contact our Registration Team.

Register for Digital Broker Platform

Call our Registration Team

0370 050 0274 - option 2.

We may record and monitor calls.

Quotation Guide An overview of the Digital Broker Platform and the quote and buy journey.

Digital Broker Platform Get quotes and set up policies online.

Going on risk

Quotes are guaranteed for three months. You can start a policy any time in the guarantee period. If you want to start cover after this, you'll need to get a new quote.

We set up the policy and produce the first account based on the employee details you give for the quote, so we ask for details that are no more than three months old at this point. This means there shouldn’t be too many changes before cover starts.

If you want to set up a policy using different employee details, you'll need to set up a new quote. The terms and costs associated with the new quote may be different.

It's not necessary to get a new quote if the number of employees covered changes by 25% or less.

We can automatically include new employees for cover if they meet any quote terms for actively at work and medical evidence. Actively at work means the employee must be in full active employment, physically and mentally able to perform all the duties associated with their normal job on the day the cover is going to start or there’s an increase to their cover.

You'll need to check if they are over the free limit - the maximum amount of cover we can provide before we ask for medical underwriting. The list showing employees over the free limit will only show those included in the employee details you gave for the quote.

You can start a policy before we medically underwrite an employee for benefits over the free limit.

We can give up to 90 days temporary cover. Find out more about our temporary cover terms and limits in our technical guide.

Annual premiums need to be paid within 14 days of the policy start date.

A completed Direct Debit mandate is also required within 14 days if your client chooses to pay by monthly Direct Debit. We’ll let you know the payment date for monthly premiums when the application is complete.

Renewals

Every year your client will send us an accurate list of eligible employees. This helps ensure the correct premiums are charged and employees joining and leaving can be accounted for. This is referred to as ‘renewal'.

Three months before the renewal date for each of your policies, you’ll automatically be sent a reminder from our group protection team to supply the data required to create a renewal account.

You’ll need to supply the following details for each employee:

Send your revised data to group.protection@landg.com.

When we’ve received all the data we need, our team will provide renewal accounts within 10 working days.

If the renewal totals have changed by more than 25%, we may need to review the Unit Rate. If this happens, we will contact you.

Wellbeing support

Through our comprehensive EAP and market-leading rehabilitation services we aim to provide better outcomes for employees that enable them to get back to work quicker, where appropriate.

Employee Assistance Programme
Early intervention
Inhouse rehabilitation team

Employee Assistance Programme

Provided by Health Assured

Designed to keep employees healthy and happy at work, our EAP is offered to employers at no extra cost. Available to all employees of clients who are covered with us, even if the policy doesn’t specifically cover them, this comprehensive support from Health Assured is available 24 hours a day, 365 days a year.

Employee Assistance Programme brochure

Benefits available


Telephone support	Calls are handled by experienced counsellors and advisers who offer confidential support every day of the year. Support is also available for immediate family members of the employee covered.
Immediate crisis intervention	Qualified counsellors offer support in coping with the aftermath of a critical incident.
Legal information service	Help with debt management, tax-related matters, legal procedures, consumer disputes, property or neighbour legalities.
Medical information	Qualified nurses are on hand to offer medical information and practical advice about a range of medical or health-related issues.
Structured counselling	Up to 8 structured counselling sessions are available to employees either face to face, online or by telephone.
Online EAP	Access to guides, links and webinars on how to cope with life events. Includes self-help tools such as a health risk assessment and giving up smoking.
My Healthy Advantage	A health and wellbeing app for employees which can help them to manage issues impacting their mental, financial, social and physical wellbeing.
Employer support	Management information about the EAP service. Account management support for schemes with more than 1,000 employees to help promote the EAP.

Early intervention
Our market-leading rehabilitation is focused on providing suitable intervention for employees at the earliest opportunity to facilitate their recovery and support them back to work.

All recommended treatments are funded by us without the need for a GP referral and no additional costs to the employer or employee.

Early intervention not only improves outcomes for the health and wellbeing of employees but can help protect the costs of premiums for employers by decreasing the chances of cases going to claim.

Early intervention timeline

We work with employers and employees throughout rehabilitation to support access to suitable treatment. Early intervention works best if we are notified between weeks two and four of an absence.
- Our in-house rehabilitation team will be in touch with an employee within two working days.
- Following an assessment, if treatment is recommended, we will contact our specialist healthcare partners to arrange it.
- Our healthcare partners contact the employee within two working days and arrange treatment to take place within five working days.
- A treatment plan is put in place and support for returning back to work.
Early notification bonus

We can pay an early notification bonus for eligible policies insuring over 250 employees. This could provide a cashback of up to 5%, if 80% of specified absences are notified within the time frame we specify.

Key documents

A guide to our early intervention services

The value of early intervention infographic

Early Notification Bonus guide
Inhouse rehabilitation team

We have our own in-house rehabilitation team who are all medically trained. They include occupational health specialists, occupational therapists, registered nurses and physiotherapists.

Our focus on expert care for the employee aims to reduce the length of absence enabling a quicker return to work which is a great support for businesses and the reason many employers choose to work with us.

The team provide an end-to-end service. They’ll work with the employee at the beginning of their absence and stay in touch throughout their treatment to facilitate a smooth transition back to work. The employer is kept up to date throughout the process.

For very complex cases, a roundtable of experts assess an employee’s requirements and recommend the most appropriate course of treatment. This integrated approach, managed by specialists, lays the foundations for the best outcomes.

Where medical treatment isn’t necessary, the team might signpost the employee to other support, such as the employee assistance programme or a specialist charity.

Care Concierge

Provided by Legal & General Health and Care

Only when elder care for a loved one needs to be considered does the realisation set in that the long-term care system is confusing and very complex. To support employees during this often emotionally charged and stressful period, we’ve introduced Care concierge. This telephone service and the online care service platform, provides employees with access to a care expert for guidance about a loved one’s later life care needs.

More about Care Concierge

Making a Group Income Protection claim

Notify us about a claim

Claims can be made by completing our online Absence Notification form

Member statement

When we receive the Absence Notification form we will contact the employee and ask them to complete a Member Statement. The employee will be able to complete this online if we are provided with their personal email address on the Absence Notification form.

Claims management and support

Where appropriate we will refer the claim to our in-house rehabilitation team to assess what support we can provide to facilitate a return to work before the end of the deferred period. We will provide updates throughout the process.

Claim payments

In some cases, an employee may not be able to return to work before the end of the deferred period. In these circumstances, provided medical information supports the absence and the claim meets the definition of incapacity on the policy, we'll start to pay benefits monthly in arrears to the employer.

We'll continue to review the employee’s condition regularly to make sure the claim continues to meet the definition of incapacity on the policy, to understand if any support can be provided to facilitate a return to work and to enable us to continue to provide regular updates to the employer.

Claims queries

groupprotection.benefitsmanagement@landg.com
0345 072 0758
Lines are open from 9am to 5pm Monday to Friday

We may record and monitor calls.

Need help?

Adviser Toolkit

Access to webinars and videos, information about claims and renewals and useful market insights.

Your adviser toolkit

Document library

Literature and forms for our group protection products in one place.

Search document library

Our products

Group Life, Group Critical Illness and Group Income Protection for businesses large and small.

See our full product range

Contact us

General queries

group.protection@landg.com
0345 072 0751

Lines are open from 9am to 5pm Monday to Friday.

We may record and monitor calls.

Group Income Protection

Employee Assistance Programme

Market-leading rehabilitation services

Flexible benefits

Digital Broker Platform

Product details

Getting a quote

Going on risk

Renewals

Employee Assistance Programme

Benefits available

Early intervention

Early intervention timeline

Early notification bonus

Key documents

Inhouse rehabilitation team

Mental health care pathway

Work related stress care pathway

Cancer care pathway

Musculoskeletal care pathway

Health Assured

CBT Clinics

PhysioMed

Leading Rehab

Notify us about a claim

Claims can be made by completing our online Absence Notification form

Member statement

When we receive the Absence Notification form we will contact the employee and ask them to complete a Member Statement. The employee will be able to complete this online if we are provided with their personal email address on the Absence Notification form.

Claims management and support

Where appropriate we will refer the claim to our in-house rehabilitation team to assess what support we can provide to facilitate a return to work before the end of the deferred period. We will provide updates throughout the process.

Claim payments

Claims queries

Adviser Toolkit

Document library

Our products

Contact us

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