Be Well. Get better. Be supported.
A range of essential wellbeing services are included at no extra cost in our products. We put employees at the heart of everything we do. We see the person, not the illness and that’s why our approach to wellbeing can provide essential support in the moments that matter most.
Group income protection includes access to an Employee Assistance Programme (EAP), comprehensive vocational rehabilitation support and an efficient claims service that’s designed to help reduce financial worries.
Helping employees to actively manage their health
Support when illness or injury strikes
Financial protection when employees need it most
Employee Assistance Programme (EAP)
Designed to keep your employees healthy and happy at work and included at no extra cost in your Group income protection cover is our Employee Assistance Programme. Available to all your employees even if the policy doesn’t specifically cover them, this comprehensive support is available 24 hours a day, 365 days a year.
Virtual GP, mental health support and online physiotherapy service
In addition to the EAP, those employees who are included in the policy will also have access to a virtual GP service 24/7.
Provided by Teladoc Health, the Health365 app enables employees to book an appointment with a GP via phone or video. It’s designed to be just as effective for many concerns as the traditional face-to-face appointment your employees would have with their own GP.
The service also includes adult single session mental health therapy, which is provided by Teladoc Health’s clinical psychologists with specific training in this practice and in child consultations.
An online physiotherapy service which offers quick and easy access to highly qualified physiotherapists is also provided through the app.
The three services along with the facilities through the Spectrum.Life app and CONNECTPlus app, form our Virtual Clinic.More about Virtual clinic More about Virtual clinic
Line manager and HR support
CONNECTPlus is also available to HR and line managers to enable them to better understand their employees’ situation and the support that they might require.More about CONNECTPlus More about CONNECTPlus
Later life care support
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 free service provides employees with access to a care expert for guidance about a loved one’s later life care needs.
Offers and discounts from Legal & General
When you take out a Group income protection policy with Legal & General your employees can take advantage of discounts and offers from selected Legal & General products.
Individual life insurance
An employee can take out personal life insurance which will pay a cash sum to their family if they die whilst covered by the insurance.
- 10% discount off our life insurance premiums plus
- £30 M&S Gift Card
To get a quote, employees can call 0800 008 3174, using offer code DISERV.
Lines are open:
8am to 8pm Monday to Friday
9am to 5pm on Saturday
We may record and monitor calls. Terms and conditions apply.
Later life mortgages
A later life mortgage is a loan secured on an employee’s home. These types of mortgages are for homeowners aged 55 and over.
When you have a group protection policy with us, your employees can receive a £250 Love2shop gift card if they receive financial advice from Legal & General Financial Advice Limited and successfully complete one of our later life mortgages. Terms and conditions apply.
Your employees can find out more and apply for a later life mortgage by visiting our employee site.
Expert advice about health and wellbeing issues
We’ve brought together a group of experts from a range of clinical, occupational and vocational rehabilitation fields, as well as business consulting, to work together on the important health and wellbeing issues facing employers and their employees today.
Whether you’re an employer looking for guidance or have an employee facing a health issue, we can help.
Early intervention not only improves outcomes for the health and wellbeing of employees but can help protect the cost of future premiums by decreasing the chances of cases going to claim.
Many companies don’t know where to turn for advice when an employee is struggling. Our Be Well Helpline will provide early intervention advice and support to help HR and Line Managers proactively manage employees who are showing signs of stress or struggling to carry out all their duties.More about Be well helpline More about Be well helpline
Early intervention timeline
If your employee needs treatment, our market-leading vocational rehabilitation is focused on providing suitable intervention for employees at the earliest opportunity so we can aid their recovery and support them back to work.
We work with you and the employee 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 vocational 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.
In-house clinical team
We have our own in-house clinical 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. The clinician works with the employee at the beginning of their absence and the team stays in touch throughout their treatment to facilitate a smooth transition back to work. You will be kept up to date throughout the process.
Acting as expert mediators, our in-house team develop a tailored care pathway and a bespoke return-to-work plan with both you and the employee without the need for a GP referral. Any treatment we recommend is funded by us, with no additional cost to you or your employee.
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, one of the team might signpost the employee to other support, such as the employee assistance programme or a specialist charity.
Full range of vocational rehabilitation services
Available through our Group income protection when a claim is accepted
|Mental health care pathway||
From mental health training for line managers to clinical assessment and return to work planning, we understand the importance of early intervention to support workplace mental health.
|Work related stress care pathway||
Provides employees with the right support to help them through stressful times in their lives.
|Cancer care pathway||
Employees can be assessed to find out what care pathway would be most suitable for them. Provides quick and easy access to resources, from counselling to creating a tailored return to work.
|Musculoskeletal care pathway||
Helps employers minimise risks for employees and build in systems for early reporting of symptoms, proper treatment and suitable rehabilitation.
Having a neurodiverse condition can sometimes impact an employee’s mental health. Our neurodiversity pathway provides quick and easy access to a range of resources, from preventative support to tailored interventions.
|Relapse prevention programme for mental health conditions||It includes information, modules and resources to help employees stay well. The aim is to maintain recovery, help them monitor their wellbeing, and take action when needed.|
Second Medical Opinion
Provided by MEDIGO.
For those employees covered by our Group Income Protection and their immediate family members, the second medical opinion service provides access to a global network of medical specialists from a wide range of specialities. The specialist will offer second opinions on diagnoses and treatments for almost any condition, allowing the employee to understand the potential impact of their condition and evaluate the most appropriate clinical pathway for their needs.
Second opinion helps to:
- Avoid unnecessary treatments
- Improve treatment outcomes
- Provide peace of mind
- Empower individuals to make informed choices on their healthcare
Provided by MEDIGO
Medical concierge offers access to privately paid for treatment in the UK or overseas. This service can help employees covered by our Group Income Protection and their immediate family members, to focus on their health whilst the Case Manager co-ordinates the treatment plan.
The medical concierge service will:
- Review the employee’s proposed treatment plan and supporting medical documents
- Interview them to determine the desired treatment options, preferred location of treatment (UK or abroad), and treatment budget
- Search and present up to three quotations for treatment
- Book the treatment with the chosen provider (UK or abroad)
- Provide telephone support throughout the period of treatment
- Support with arrangements including flights, ground transport, accommodation, and interpreter services if needed
Nurse Support Service
Provided by MEDIGO
The diagnosis of a health condition or injury can be an unsettling time. That’s why MEDIGO’s professional and personalised Nurse Support Service will be on-hand to provide a virtual service by offering practical, emotional support to employees if they receive a referral from a GP to a clinical specialist. The nurses provide on-going care every step of the way during the illness for employees covered by our group income protection and their immediate family members.
No question is too big or too small. The team can help the employee with many issues:
- Have they been given a diagnosis that they’d like to talk through?
- Have they been given some results that they don’t understand?
- Have they booked a break away and realised they’ve left their medication at home?
- Do they need practical support finding medical equipment or accessories to aid their recovery or help them cope with their condition?
The service is not available for existing chronic conditions, mental health problems, cosmetic procedures or General Practitioner related services.
Long-term health conditions
A downloadable app that supports the large and growing number of employees with one or more long-term health conditions including:
- Multiple sclerosis
- Type 2 diabetes
- Rheumatoid arthritis
- Long covid
CONNECTPlus also provides tools and resources for employees to help manage their general health as well.
The app is available to all employees covered by our group income protection policy and their immediate family. It provides interactive access to clinically approved information and tools with the ultimate aim to empower the individual to look after themselves more effectively - both at home and in the work environment.
For employees who can’t return to work because of long-term sickness or injury, we pay out a regular income to help financially support them through a difficult time.
Payment is made through your company’s payroll for distribution to the employee.
Amanda’s employer contacted Legal & General when she underwent a second knee replacement. Aged 52 and working as a Personal Assistant in a financial firm, Amanda had a history of arthritis.
Returning to work after cancer
Ellie was aged 27 and working as a Product Support Technician when diagnosed with Non-Hodgkin B Cell Lymphoma. As a young, active person, this news came as a shock.
Anxiety and depression
Graham, who worked as a Finance Manager, had been unable to work for 10 weeks when we received notification of his absence. An Occupational Health report recommended that he receive Cognitive Behavioural Therapy (CBT).
Work related stress
Rob felt unable to work due to stress when involved in a dispute with his senior manager. Legal & General were notified about his absence when he had been off work for a month.
Extensive resources in our Be well hub, plus your toolkit for communicating to employees and support for small and medium sized businesses (SMEs).
Literature and forms for our group protection products in one place.
Full product details
Full technical information, key documents and how to make a claim.