Income protection

This benefit provides you with financial peace of mind in the form of a lifetime income if you are unable to work due to serious ill health or injury.

To be eligible for this benefit you must:

  • Work as an annual salaried UK employee; and
  • Be aged between 16 and the state pension age (variable dependent on date of birth).

In the event, you are unable to work due to illness or injury, you should receive company sick pay. If you are unable to work for more than 26 weeks, you may be eligible to receive extra support if you meet the scheme criteria, which will provide you with:

  • A minimum of 50%* of your basic annual salary; and
  • Your pension contributions up to a maximum of 15% of your basic annual salary**.

As part of your income protection benefit you also get access to our new services. Best Doctors and Eldercare. Click through to find out more about these two new services.

How do I apply?

You do not need to do anything to be covered by this benefit, it is provided to you automatically by the company. However, upon making a claim, payments of any benefits is subject to assessment and acceptance by the insurer of this benefit (currently Generali). The insurer will require information from you, your employer, and your treating doctors, to assess your claim.

For more information about this benefit, log in and navigate to the ‘Benefits’ tile. From there you will find Income Protection in the benefits list.

* This will depend on the terms and conditions of your pension scheme and you may receive enhanced benefits. 
** Your basic annual salary, before salary exchange.