Every business is different and every experience of long-term absence will be unique, our Group Income Protection is no different and treats every claim on an individual basis. But in every case, we’ll draw on our experience to examine the circumstances carefully, and help your employees recover and return to work as quickly as possible. These examples may help to illustrate the benefits that Group Income Protection could provide for you and your workforce:
After back surgery, a 37-year-old woman had been away from work for four months. She was still having mobility problems, describing weakness and stiffness in her legs, and her consultant had referred her for physiotherapy – but her condition was unlikely to improve much further. We arranged for an Occupational Health visitor to meet her.
Together, it was agreed that a workstation assessment could be beneficial, particularly if it looked at her seating arrangements. Her employer followed the recommendations and everyone agreed a phased return-to-work over a four-week period. The woman started this phased return to work after receiving one month's full benefit, and eventually returned to work in a full-time capacity. We were able to help in this example by:
A 51-year-old man had been absent from work for six weeks. Following the breakdown of his marriage and a recent family bereavement, he'd been showing symptoms of anxiety and depression.
His company had a 52-week deferred period on their Group Income Protection policy, but they let us know about his absence after six weeks. We talked to everyone involved: the employer, the employee, and his GP. His GP let us know there was a lengthy waiting list for NHS counselling in his area, so we decided to fund a course of Cognitive Behavioural Therapy instead. After this course of therapy, the man returned to work on a phased basis. He was back at work full-time well within the deferred 52-week period, with no need for the company to make a claim. We were able to help in this example by:
A 51-year-old woman had been away from work due to breast cancer. Her employer let us know about her absence after six weeks. When our Rehabilitation Case Manager spoke to her, she'd had surgery and was due to start chemotherapy and radiotherapy.
At this time, we couldn't offer our early intervention services – but we did refer her to 'Look Good, Feel Better', a cancer support charity that helps women manage the visible side-effects of cancer. She made an appointment, and started using their make-up techniques to help her feel better about her appearance during chemotherapy and radiotherapy. The NHS has since offered her the same service, but by referring her promptly, she had valuable additional support right from the beginning of her treatment.
We were able to help in this example by:
Talk to us. We’re happy to help. Call:
0845 300 4452
Calls to and from Aviva may be monitored and/or recorded