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How does this policy work?

Our Group Income Protection policy helps your business as well as your employees. With up to 250 or more members of staff (with a minimum of 5) working for you, we realise that affordability and efficiency are important.That's why we include a free cover limit up to a maximum of £120,000, under which there's no need for individual medical underwriting.

We include a free cover limit up to a maximum of £120,000 under which there's no need for an individual medical underwriting and we offer an Employee Assistance Programme.

You'll choose options that help your business…
  • You choose when your Group Income Protection payments begin - after 13, 26, 28, 41, 52 or 104 weeks.
  • Decide to pay income benefit with either a lump sum or through our Pay Direct option. This helps save administration costs during long-term absences and helps fund an employee's early retirement.
  • We include a free cover limit up to a maximum of £120,000 under which there's no need for an individual medical underwriting and we offer an Employee Assistance Programme.
  • You can decide which benefit payment terms suit your business best: either to intended company retirement age or for a limited period, so that you can retain control over costs.
We'll help you and your employees while they're working…
  • Our 'once only' underwriting option can be used for members who are eligible for benefits above our free cover limit (up to £120,000 maximum).
  • You can take advantage of our Employee Assistance Programme.
  • Our wellbeing services can help you to promote good working practices in the workplace, which can help your employees stay healthy and mitigates risk to your business.
  • We include an Employee Assistance Programme, which can help your employees deal with a range of issues such as stress or illness. You can find out more about this valuable service on our Employee Assistance Programme page.
…and you can all rely on us for support during long-term absences…
  • Group Income Protection will provide cover for up to 80% of your employees' earnings, up to a maximum of £350,000.
  • Wherever possible, we'll work with you and your employees to help them recover and return to work as quickly as possible.
  • We can provide a reduced income benefit, as employees recover, which can help motivate their return to work over a period of time but still relieves some of the stress concerned with finances.
  • We'll help your employees' families and their colleagues adjust to stressful or difficult situations, often experienced during long-term absence.
  • All claims can be dealt with over the phone, by a team that's trained to understand that long-term absence can be a stressful time.
  • Every employee will be given a dedicated case manager if they need to make a claim. This ensures consistency, and helps us all be as efficient as possible with the details involved.
  • By taking the Pay Direct option, income benefits can be paid directly to your employees…
  • Our 'once only' medical underwriting will usually apply for members whose benefit are above the Free Cover Limit (currently £120,000).

WC00525 02/2014

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