group income protection insurance
Our group income protection product is called Sick Pay Complete®.
Sick Pay Complete® is a comprehensive solution integrating long-term income protection insurance with absence management and workplace support.
It has four major components:
Early notification to a case manager
- An online absence management tool, TeamSeer
Support Matters, a workplace support service
Core long term income protection insurance
For the core group income protection insurance element, a wide range of cover options are available
Available for two employees or more, up to 300
Up to 75% of salary available
4, 8, 13, 26, 28, 41 or 52 week deferred periods
Limited payment periods of 2, 3, 4 or 5 years, or benefits paid to cover cease age
Cover available up to age 70
Benefits can escalate in payment
Premiums calculated accurately, no averaging
Pension scheme contributions and NICs can be covered
Premium rates are guaranteed for two years
Own occupation, suited occupation and activities of daily living disability definitions
Automatic acceptance limit for schemes with 5 employees or more
TeamSeer is an online absence management and holiday planning tool. It’s provided free of charge for all employees in the company to use, but it must be used to record sickness absence for those covered by the policy.
Once setup, the TeamSeer service will automatically notify our case manager of any employees absent with conditions that are likely to be receptive to case management and early intervention, such as musculoskeletal and mental illness and any absences lasting longer than four weeks.
This early intervention is crucial as it gives us the best possible chance of helping employees return to work successfully and with absence management software integrated, this process is proactive.
- Holidays and other planned absence recording
- Unplanned absence recording, including return to work forms
- Mobile access
- Outlook and Google integration
- Employers control setup and ongoing administration
early intervention and case management
Our approach to handling employee absences is built on the established premise that the earlier the intervention, the better the outcomes.
That’s why we will look to help an employee back to work as soon as possible, rather than wait until the deferred period has expired. This benefits the employee and employer, while also helping to reduce their insurance premiums.
Support Matters®, included in our group income protection product, is a completely confidential employee assistance programme provided by Workplace Options, delivering employee and manager support. It is designed to provide an engaging, useful, everyday support service for employees.
Up to 4 sessions of clinical counselling
Everyday work-life enquires
Help with dependent care
Legal information and support
Debt management counselling
Workplace crisis support
Computerised Cognitive Behavioural Therapy
Shopping discount website
The Support Matters website acts as the information and access hub for all of these services. This is in addition to the core telephone service which is available 24 hours a day all year round providing in-depth advice and support on all of these topics. Employees can also contact the service by SMS text, email, and LiveChat via the Support Matters website.