Close ButtonBook Financial Plan Demo
Take Control Of Your Financial Future
Your information is treated with the upmost respect and under no circumstance we will email you or ever pass your details onto third parties unnecessarily. Any information you provide will be treated as strictly private and confidential under the General Data Protection Regulation (GDPR) 2018.
Key Facts
Verified by Norton Symantec icon

From start to finish, Samantha was fantastic, very helpful, knowledgeable and helped me get the best policy that suited me, perfectly. Thanks also to Gina for the followup call, a very professional and painless experience from start to finish.

Colin Leck
25/09/2019
Close Button
Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

4 Ways Group Income Protection Tackles Sickness and Absenteeism

Get My Quotes
Compare Top UK Insurer Quotes Logos

Tackling Sickness and Absenteeism

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

I had the pleasure of dealing with Jake Mills in organising my insurance. Jake was fantastic to deal with — his patience and understanding really helped.

Brendan Kelly
26/09/2019
Compare Top 10 UK Business Insurers
Takes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Contact Us
Head Office & Pensions and Investments
Millennium Bridge House
2 Lambeth Hill
London
EC4V 4GG
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.