4 Ways Group Income Protection Tackles Sickness and Absenteeism

Get My Quotes
5 mins

Group Income Protection Insurance will insure a proportion of your employees’ salaries and pay them a monthly benefit if they can’t work due to accident or sickness.

While Income Protection is primarily designed to provide sick pay, corporate schemes come with a range of benefits that can help reduce employee sickness and absenteeism.

These programs help by offering employees different kinds of support that are accessible even when they aren’t making a claim on their policy.

While an insurance policy like Income Protection may not prevent accident or sickness, it can help employers minimise avoidable absences and better manage employee sickness.

Policies are designed to offer support beyond paying a claim, helping both employers and employees implement positive changes, and by offering services that help employees tackle their health problems head on.

Employee Assistance Programmes

Most employee benefits – including Group Income Protection – will offer what is known as an Employee Assistance Programme. These programmes are formed of a range of additional services and benefits designed to support and help employees.

  • Counselling
  • Cognitive behavioural therapy sessions
  • General support & advice helplines
  • Financial advice
  • Career advice
  • Legal advice
  • Rehabilitation services / physiotherapy
  • Career support and coaching
  • Support for managers and employers

Typically, these services can be used by employees at any time, regardless of whether they are claiming Income Protection benefits.

It is this reason that these beneficial programmes can not only support employees with poor health but also prevent instances of poor health in some circumstances. For instance, counselling services can help employees better manage stress and avoid burnouts that require time off work to recover.

These services may also include consultations for employers to help them make productive changes to their business that put focus on employee health and wellbeing.

This may involve highlighting health and safety issues around the workplace or making arrangements for an employee that’s not in great health to continue working on their own terms.

HR support services can help line managers and other bosses learn how to deal with employee absences by liaising with the absent worker, also.

Back to Work Top-Up Benefits

A unique aspect of many Income Protection policies is that cover doesn’t have to end as soon as the employee returns to work.

Many insurers offer back-to-work benefits for employees returning to work after a claim that will pay out a proportion of their insured cover. These benefits are designed to top up their salary if they are having to work part-time or work at a reduced salary as they phase back into the workplace.

This can help retain a member of staff who is only partially recovered and may otherwise have to drop out of the company to take on a less stressful / lower impact / part-time role elsewhere because they aren’t ready to go back full-time.

Resources for Healthy Living

A lot of group sick pay insurance policies offer a range of services and / or resources to help employees manage their health. These may be part of an employee assistance programme, offered independently or given as an optional add-on for increased premiums.

A few examples of some of these services include:

  • Online information hub with health & medical guidance
  • Health risk assessment tools
  • Medical advice helpline
  • Virtual GP.

These types of services can be used to either help employees recover after a health problem or better manage their health on a day-to-day basis to prevent health problems in the future.

Online guides and medical helplines can help employees better manage their health as well as provide them with information on medical conditions they may be diagnosed with.

Meanwhile, virtual GPs can speed up a diagnosis progress, catching red flags that may lead to a more severe health problem if not addressed and all potentially faster than the NHS could offer.

Financial Support Can Reduce Stress

Money worries are one of the biggest blights on the UK workforce. From our 2018 employee benefits survey, we found that 59% of people who regularly feel stress said that money was one of the main causes.

With household spending rising and savings very low, being out of work for as little as a few weeks could mean financial difficulties for some people. Such a precarious financial situation can lead to a lot of daily stress, which in turn will affect mental health.

This can add to the mental health problem that is plaguing UK workplaces. 17.7% of people admit that they have taken time off work in the past 12 months because of a mental health problem and 15.8% admit to taking time off work due to stress.

Nadeem Farid Head of Employee Benefits at Drewberry

Group Income Protection is one way in which employers can help relieve their workers of some of this stress. 

Knowing that there is financial support available if they need it can provide a lot of comfort for individuals that maybe don’t have the resources to pay their bills if they can’t work.

Nadeem Farid
Head of Employee Benefits at Drewberry

Why Speak to Us?

We started Drewberry™ because we were tired of being treated like a number.

We all deserve a first class service when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

Compare Top 10 UK Providers

Takes approx. 60 seconds
Verified by Norton Symantec icon
 Or Call Us

Contact Us

Head Office & Pensions and Investments
Senator House
85 Queen Victoria Street
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Drewberry London Office MapDrewberry Brighton Office Map

If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is www.financial-ombudsman.org.uk.

Drewberry Ltd is registered in England and Wales. Companies House No. 06675912

Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

Drewberry Ltd (Financial Conduct Authority No. 505473) is an Appointed Representative of Quilter Wealth Limited and Quilter Mortgage Planning

Limited, which are authorised and regulated by the Financial Conduct Authority.


Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies including for ad personalization.

If you would like to know more about cookies and how to manage them please view our privacy & cookie policy.