FAQs
General Questions
No, you are still entitled to claim Statutory Sick Pay if you are employed, as well as claiming for income protection. If you are self-employed you are not entitled to SSP
The deferred period is the length of time that you can wait until you need the insurance to payout. For example, if you receive sick pay from your employer for the first 3 months, you could choose a 3-month deferred period. Or, if you are self-employed and would need the insurer to pay straight away if you can’t work, you could choose a deferred period of 1 day, or 1 week.
You can protect up to 70% of your income. If you are employed this will be calculated on your gross income, and if you are self-employed this is taken from your net profit.
If you have children or other dependants, an illness would mean you couldn’t pay the bills due to not being able to work, you should consider income protection to cover yourself. You’re most likely to need it if you’re self-employed or employed and you don’t have sick pay to fall back on.
Sadly, you can not. You would have to be in full time employment to have an income protection policy and can only claim when you can prove you are off work due to sickness or injury. However, we can offer unemployment cover through one of our specialist insurers.
Finance Questions
The price will depend on many factors such as health and lifestyle, the cover amount, age, occupation and deferred period.
Sadly, you can not. You would have to be in full time employment to have an income protection policy and can only claim when you can prove you are off work due to sickness or injury. However, we can offer unemployment cover through one of our specialist insurers.
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