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IP too expensive?
How to scale down the cost to meet your client's budget

Income Protection

State benefits

The state provides a safety net if ill health or an accident strikes, but welfare benefits were never designed to support the lifestyle most people are used to. In fact, the maximum sickness benefit your client would be entitled to is just £109.65 a week*

* Based on a client aged 25 or over and in the Employment Support Allowance support group.

How much your client can get

The amount they get depends on their circumstances. See our online Shortfall Calculator to see how much they might get.

How are state benefits worked out?

  • Statutory Sick Pay - If your client's unable to work due to illness or injury and isn't entitled to sick pay from their employer, they might be able to get Statutory Sick Pay. This is paid for a maximum of 28 weeks; after 28 weeks, they may then be awarded Employment & Support Allowance. It’s also worth remembering self-employed clients aren’t entitled to Statutory Sick Pay.
  • Employment & Support Allowance - Employment and Support Allowance is not paid alongside SSP and is awarded to those unable to work due to illness or disability. During the first 13-week assessment phase, the state determines whether your client's illness or injury affects their ability to work. Claimants may then be awarded a higher rate of ESA which is regularly reassessed.


Amount per week

How long

Are my self-employed clients entitled to it?

Statutory Sick Pay


Up to 28 weeks

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Clients in permanent employment

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Employment Support Allowance: Assessment rate

£57.90 under age 25

£73.10 aged 25 or over

Up to 13 weeks

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Clients in permanent employment

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Employment Support Allowance: Work-related activity group

£86.95 for under age 25

£102.15 for age 25 and over

Up to 52 weeks

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Clients in permanent employment

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Employment Support Allowance: Support group

Up to £109.65


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Clients in permanent employment

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ESA claims process

For information on how to claim go to

More information

The information on this page is an overview of your client's benefits. Below we've shared some useful links to external sites which can give more information.

0800 678 1890

TextDirect: first dial 18001

8.30am - 6.30pm Monday - Friday

We may record and/or monitor calls for training and audit purposes.

Watch our Income Protection video

Income Protection enhancements video thumbnail

Watch our short video that summarises the exciting changes we've made to our Income Protection product.



Flexible Protection Plan

Why not add Life cover or Critical Illness to your client's plan for a wider protection portfolio?

More about Flexible Protection Plan

A person

Tools and Calculators

Everything you need to support your Income Protection recommendations.

Income Protection tools and support

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Personal Sick Pay

Income protection for clients in riskier jobs who can be more expensive to insure.

More on Personal Sick Pay

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Large Case Team

If your client wants cover for more than £5,000 a month, we can offer dedicated support.

More about our Large Case Team

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