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Income Protection features: Sick Pay Guarantees

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Some clients working in the public sector don’t always have straightforward sick pay arrangements. They might get paid 100% of their salary for a defined number of months, followed by 50% of salary. Sick pay entitlement can also change with each year of service, making it difficult to choose the right waiting period.

We have designed our sick pay guarantees for teachers, as well as doctors, dentists and surgeons that receive NHS sick pay. Unlike other sick pay guarantees in the market, you don’t have to be employed directly by the NHS to be eligible. This means clients working in occupations covered by NHS sick pay but not directly employed by the NHS can also be covered, like GP’s.

Under our guarantees, as long as your client chooses a 12 month waiting period we’ll pay out to fit alongside their sick pay arrangements. This helps reduce the premium by removing the need for complex split waiting periods, removes the risk of over and under insurance and ensures your client gets their money when they need it. More details on our sick pay guarantees, including eligibility, can be found in our Policy Conditions.

More information on the sick pay guarantees

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Quotes and questions: 0800 678 1890
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FOR UK FINANCIAL ADVISERS ONLY
LV=, County Gates, Bournemouth, BH1 2NF, UK