group income protection insurance

Group income protection provides a replacement salary to an employee who is unable to work due to illness or injury for a prolonged period, usually six months. Up to 80% of an employee’s salary can be covered and payments can continue for a set period such as 5 years for example, or until the employee retires. Effectively extending an employee’s Sick Pay, it provides long term financial security.

our product, Sick Pay

Why should employers consider buying income protection insurance? Read our Knowledge Hub article to learn more.

cover options

Available for two employees or more, with no maximum company size

Up to 80% of salary available

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

Flexible benefits available

Lump sum payments available with limited term

Cover available up to age 70

Pension scheme contributions and NICs can be covered

Benefits can be paid direct

Automatic acceptance limit for schemes with 5 employees or more

Premium rates are guaranteed for two years

Premiums calculated accurately, no averaging

vocational rehabilitation services

Available to all Sick Pay policyholders, this is a programme of support, guidance, advice and treatment which has the sole aim of returning the employee to full health and back into the workplace following an illness or injury.

Our approach to managing absence is based 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, and no later than the fifth week of absence, rather than wait until the deferred period has expired. This benefits the employee and employer, while also helping to reduce their insurance premiums.

We partner with Proclaim Care, one of the UK’s leading rehabilitation specialists, to offer this service.

Support Matters®

Support Matters®, included for all Sick Pay policyholders, 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


Financial support

   Debt management counselling

Career coaching

group income protectionWorkplace 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.

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