Is stress covered by income protection?

I read that stress is covered on Income Protection. Is that correct?

Question asked by Sharon Dreyfuss
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Answered by Robert Harvey

Stress related illnesses are included with most insurers

Income protection insurance can cover stress related illnesses and mental illnesses, in fact in 2011 31% of claims with the insurer LV were for Mental Disorders, e.g. stress.

Generally income protection policies do not have standard exclusions but please bear in mind that most insurers will not cover you for a pre existing condition. However the good news is that as the income protection policies are underwritten upfront it is clear from the outset what is covered and what is not.

rob harvey

Mental illness is one of the biggest causes of work absence in the UK, and according to Mind will affect 1 in 4 of us. That’s why it pays to look for a protection policy, particularly Income Protection Insurance, that provide access to free to use, private therapy services such as counselling if required. Qualified counsellors and support staff can provide speedy, telephone based or face-to-face help for those in need.

Rob Harvey, Cert CII
Independent Protection Expert at Drewberry

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