Features

Our Group Income Protection is designed to provide financial support, practical help and rehabilitation services for employees in a business covering 5 lives or more. As every employer’s requirements are unique, we’ve designed our Group Income Protection to fit around the needs of individual businesses. Our Group Income Protection offers:

  • Cover for up to 80% of an employee’s earnings, up to a maximum of £350,000 benefit.
  • A choice of deferred periods, so that employers can decide when the Group Income Protection payment begins: after 13, 26, 28, 41, 52 or 104 weeks.
  • A choice of benefit payment terms, either to retirement ages or for a limited benefit period, so employers can retain control over costs.
  • Once only underwriting, for members with benefits above our free cover limit.
  • Pay direct option, so that income benefits can be paid directly to employees, saving administration costs during long-term absences.
  • Lump sum options, which could be used to help fund an employee’s early retirement.
  • Dedicated rehabilitation case managers who will support employees throughout the entire claims process.
  • Added value benefits, such as an Employee Assistance Programme (EAP) providing access to clinical and professional expertise giving employees the chance to talk about all kinds of work and personal issues, such as stress, family, relationships, illness, retirement and personal crises.

Aviva make Group Income Protection easy

We’ll usually offer a free cover limit to employers (our maximum free cover limit is £120,000), under which there’s no need for individual medical underwriting. This makes both set-ups and transfers easy for employers and employees.

If you’d like to know more

Talk to us, we’re happy to help. Get in touch with our Group Risk Sales Support team on 0845 300 4452.

Lines are open from 9.00am - 5.00pm, Monday to Friday.

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