GROUP INCOMEPROTECTION.

Group income protection pays a proportion of an employee's salary — typically 50–75% — if they are unable to work due to long-term illness or injury. Payments begin after a deferred period (usually 13, 26, or 52 weeks) and can continue until the employee returns to work, retires, or the policy term ends.

The benefit is paid to the employer, who passes it on as salary — keeping national insurance contributions and pension payments consistent. Premiums are usually tax-deductible.

We search the whole market across all major group income protection providers to find the right deferred period, benefit level, and premium for your workforce.