Group Income Protection - Secure Choice

Group Income Protection

Group Income Protection provides a replacement income if an employee is unable to work due to long-term illness or injury. The benefit is paid directly to the employer, who then disburses it to the employee.

Group Income Protection often includes comprehensive rehabilitation support services, which many of our clients find invaluable at an uncertain time. These services are tailored to the individual employee’s needs, assisting them in returning to work more swiftly and effectively.

As an employer you can decide the amount of cover you'd like to offer.

Coverage extends to conditions or injuries that prevent an employee from working long-term, whether it’s a physical ailment or serious illness. (depending on the type of policy and its definition of incapacity).

Key Features:

Employers can adjust the benefit level for employees, with insurers typically covering up to 80% of the employee's gross salary.
It’s possible to include employer National Insurance contributions as well as both employer and employee pension contributions.
The deferred period is flexible, ranging from 13 to 104 weeks.
Employers can choose a limited-term policy, which pays benefits for a fixed period, ranging from 1 to 5 years.

Most insurers offer a range of wellbeing services giving employees somewhere to turn for physical, mental and emotional support.