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Employee Benefits Quote
  • Group Income Protection

    Protecting your company's most important asset...

    Income protection protects your employees salary should they be unable to work due to illness or injury.
    Central to any good employee benefits package it provides peace of mind for your employees and their families.
    A highly valued employee benefit which acts as an important means of staff retention and attraction.
    21% of people have suffered long term ill health during their working life. Met Life 2012
    Speak to our expert independent advisers and compare all of the UK's leading group life insurers.
  • What does Group
    Income Protection cover?

    Income Protection covers illness and injury but the definition of incapacity makes a huge difference to the scope of protection provided:

    'Own Occupation' Cover

    With this definition of incapacity the policy can payout for any medical condition that prevents an employee from working in their own specific job role.

    'Suited Occupation' Cover

    This lesser definition of incapacity would only payout if an employee is unable to undertake 'any occupation' given their skills, experience and education.

    Expert support is often provided by the insurer during rehabilitation to aid employees in returning to work.

    Group Incoome Protection Claims Statistics
  • How does Group
    Income Protection work?

    Stage 1:

    An employee ceases working due to illness or injury

    Stage 2:

    A claim is made with the insurer (including a GP note)

    Stage 3:

    The insurer starts paying out a monthly benefit after the deferred period.

    Stage 4:

    The plan pays out until the employee returns to work or reaches the maximum payout length

    See the 'Our Options' section for more information on the deferred and payout periods.

    Income Protection Payout Rates
  • Your Key
    Policy Options

    Level of cover

    It is possible to cover up to 75% of gross income (less long-term incapacity benefits). It is important to note that the employee would be liable to income tax.

    Deferred Period

    This is the length of time the employee would need to be off work before the policy kicks-in and starts paying out.

    Tip: The deferred period is usually aligned with the length of time the employee would receive full sick pay.

    Other key policy options which will need to be considered include the policy payout length and the option to cover employer NI and pension contributions.

    Statutory Sick Pay Entitlement
  • Our Delivery

    Being Independent Insurance Advisers we pride ourselves on being the experts, knowing every insurance product we offer inside out and back to front. Here's how we work -

    The Fact Find:
    We will talk you through the options available and capture vital information about the employees to be covered.

    The Research:
    We go out to all leading group risk insurers to gain the most competitive premiums.

    The Report:
    We email you a short report with our product and insurer recommendations for the various options we've discussed. When you are happy to go ahead in many cases we are able to complete the application for you over the phone.

    Insurance Experts
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Group Insurance Question and Answer


What is group income protection?

Group Income Protection insurance is designed to help you manage long term sickness absence more effectively. By providing a guaranteed income for employees who are unable to work as a result of illness or injury, you are able to financially support them through what can be an emotionally and financially difficult time.

Rehabilitation Benefits

One of the most important aspects of group income protection that often gets overlooked is the rehabilitation programs that are often available as part of the product, supporting employees through stressful times and encouraging their recovery and return to work.

Group Income Protection can take a number of different forms; most usually it is designed to provide a percentage of the employee's gross pay less the employment and support allowance (ESA). The benefit is paid gross and as the employer you deduct tax and National Insurance before passing it on to the employee as pay.

Statutory sick pay entitlement

An employee is entitled to statutory sick pay if they are under a contract of service with you and are sick for at least four days in a row including weekends and bank holidays and days that they do not normally work. As long as their earnings at least £102 a week (Year 2011-2012) they are entitled to the standard rate for statutory sick pay at £81.60 a week (Year 2011-2012).

This limited level of cover would leave many in financial difficulties should they be off work for a considerable time period. Often employers supplement the SSP with occupational sick pay of sorts.

Providing an income protection insurance not only provides you and your employees with the financial support they vitally need when suffering a long term illness but will also provide advice and assistance services helping employees through their recovery and return to work.

Group protection policy options

There are a range of factors which affect the cost of your premiums some relating specifically to your organisation others relating to the level of cover both are detailed below.

Level of cover

The level of cover is a key factor when it comes to the cost of your premiums. The greater the percentage of an employee's salary which is covered the greater the premiums. The level of cover tends to range from 50% to 75% of gross earnings.

There are options available to vary the cover including covering 50% of the employee's salary and allowing them to buy up to 75% or providing varying levels of cover for different grades of employees within the organisation.

Deferred period

The deferred period is the time from which an employee is initially off work to the time when the insurer starts paying out a claim. The deferred period is often aligned with occupational sick pay. The longer the deferred period the lower the premiums as the longer the deferred the lower the risk of a claim being made.


As an income protection plan could end up paying out for a considerable period of time the benefits may also be protected against inflation by including an escalation option. Including an escalation option means that any benefit payable will increase over time tending to increase in line with the retail price index (RPI), to a maximum of 5%.

Include national insurance and pension contributions

As a benefit the income protection payment gets paid gross to you the employer who then deducts Tax and National Insurance from the payment. Due to the benefit still being processed through PAYE there is an option on the policy to cover employer National Insurance and employer Pension contributions if required.

Personal factors affecting the premiums


Like with any protection policy age can be a factor. We all know the older we become the more aches and pains we tend to suffer and the more likely we are to be off work for a considerable period of time. As such if you have an older population working for you the premiums are likely to be higher than a mirror company with a younger working population.


Working conditions can vary considerably both mentally and physically depending on occupation, some industries are more susceptible to stress and mental conditions while others tend to have more physical risks. The more susceptible the industry is to having employees off work due to long term illness or injury the higher the premiums for that industry.

Group income protection claims

A benefit claim will start being paid when an employee has been unable to work due to illness or injury for a greater length of time than the length of the deferred period on the group permanent health insurance scheme.

As the policy is held with and paid for by the employer any benefit payment is paid to the organisation, the benefit must then be processed through PAYE as if salary for the employee, the benefit is then paid by the employer to the employee as income.

Although the core benefit offering is to replace employee earnings due to long term illness or injury during a claim there are many additional services the insurer is likely to provide to reduce the burden placed on the organisation and help the individual recover.

Vocational rehabilitation has two major advantages. Firstly, it helps minimise the cost of long-term illness or injury to your company, such as money spent on recruiting and training replacement staff. Secondly, it allows the valuable skills and knowledge that has been built up by the individual to be retained within a company.

Need some guidance

If you are looking to implement a group income insurance policy or review an existing arrangement then we are in a great position to help you. With our expertise in the insurance industry and your knowledge of your organisation, together we can design the most appropriate cover and ensure the most competitive premium rates from the insurers.

If you are looking to protect a single director or executive the most appropriate policy to consider is likely to be Directors Income Protection.

Client Reviews
07/03/2015  L Sexton

Robert Was Fantastic!
From my initial enquiry right up until the policies were confirmed he was extremely informative and knowledgable. Their processes were simple and the team were happy to fit the applications around my long working hours.....

05/03/2015  H Curtis

Friendly and Helpful Staff
Very friendly, helpful service. Matt had a good knowledge of the Insurance products that were available to me and did his best to find a good price within my budget. Thanks :)...

04/03/2015  J Bilby

Great Service All Round.
Rauri really helped me through a long, complex process getting both income protection and life insurance. I've greatly appreciated his advice, knowledge and patience at all stages....

Publisher: Drewberry

Frequently asked group insurance questions

I keep hearing people talk about key man insurance but what does it actually cover?
I want to ensure my family are able to realise the value of my share in our business should the worst happen, how can I ensure my valuation is suitable?
I am researching shareholder protection and wanted to know the purpose of the agreement
I’ve had a quote from an insurer for group income protection and there is a section on the quote that states a free cover limit, what does this mean?
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We are here to educate you so you can make informed decisions.

We would love to hear from you, whether you are enquiring about our services, a career, or a business partnership.

Our Locations
London Office
Corporate Advice
  020 8432 7333
Brighton Office
Personal Advice
  01273 646 484
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