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 75% 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.
We have two products for employers to choose from – Sick Pay and Sick Pay Complete.
our two products
A wide range of cover options are available, with the same options available for Sick Pay and Sick Pay Complete
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
vocational rehabilitation services
Available to all Sick Pay and Sick Pay Complete 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®, 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.
TeamSeer is an online absence management and holiday planning tool, included within Sick Pay Complete only. 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 Sick Pay Complete policy.
Once setup, the TeamSeer service will automatically notify our team of any employees absent with conditions that are likely to be receptive to vocational rehabilitation, 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
Outlook and Google integration
Employers control setup and ongoing administration