What is the extent of cover?

You can claim income protection for as long as you're unable to work due to sickness or injury, up to when your policy ends.

The policy will stop when you cancel or miss payments and usually when you reach retirement. Regardless of whether you return to work, the benefits will cease to be paid if you recover and are no longer incapacitated.

  • Your current salary determines the amount of benefit you receive. This is usually a maximum of 50% of your salary.
  • Income protection covers illness and injury only and will not provide cover if you are made redundant.
  • If you are self-employed, the level of benefit you receive is calculated in a different way than if you are an employee. Your entitlement depends on your annual earnings based on your average yearly pre-tax profit over three years before submitting a claim.

Find out more about income protection

Read more about the income protection we offer and how it can help you.