How our Group Income Protection can help
With our Group Income Protection, we provide financial support and rehabilitation services to your employees if they're absent from work due to an illness or injury.
Early intervention and rehabilitation
Supporting your employees, even before they need to take time out. In 2021 80% of the employees we provided rehabilitation support for returned to or remained at work.
Expert case management support
Our dedicated case managers work closely with your employees during the claims process, supporting them every step of the way.
Focus on wellbeing
Our wide range of wellbeing services and workplace wellbeing solutions can help you create a healthier, happier workforce.
Why choose us?
Proactive rehabilitation services and a simple claims process help your employees focus on their health, recovery and return to work.
Financial support and so much more
From practical and emotional help, through to much-needed financial support, we aim to resolve things quickly for your employee and provide them with the right help.
In 2021 we paid out £89m in Group Income Protection benefits to UK employees and helped 2,262 employees through our rehabilitation services.
Expert rehabilitation and case management
Long-term absence can often mean significant costs for your business. So, when one of your employees can’t work, we'll work closely with them to offer a tailored rehabilitation plan and early intervention support.
Our claims pathways provide expert clinical, emotional and physical support to help your employee manage their health concerns and where possible, make a safe and successful return to work.
What are the benefits?
See how Group Income Protection can help your employees and your business.
- Early intervention and return to work
We'll proactively manage health issues in your team, with the aim of reducing long-term absence in your business and manage an employee's return to work.
- Professionally run wellbeing training
A wide range of solutions to help strengthen the physical and emotional wellbeing of employees.
- Manage your finances
Under current UK tax laws, your premiums usually qualify as an allowable business expense.
- Results for your business
In 2021, 80% of all employees who we provided with rehabilitation support returned to, or remained at work. So, let us help your team when they need it.
- Easy access to information
Our employer hubs give you easy access to information to help you promote the benefits to your workforce.
For your employees
- Financial support at an uncertain time
We'll cover up to 80% of your employees' gross taxable earnings if they can't work due to an illness or injury. You can decide the amount of cover you'd like to offer.
- Dedicated help and support through our effective claims pathway
From self-help tools and services to help employees detect, prevent, and self-manage conditions to tailored clinical intervention, rehabilitation support and return to work support. Our team of experts is here to support you and your employee every step of the way. Find out more about our claims pathways.
- A focus on wellbeing
A range of wellbeing services giving employees somewhere to turn for physical, mental and emotional support. Our employee hubs make it easy for your employees to access information about the wellbeing services available.
Aviva Line Manager Toolkit: Mental Health
Video modules and materials to help line managers spot the warning signs of poor mental health., identify reasonable adjustments and manage professional boundaries.
Mental health guidance for employees
A suite of bite-sized videos, articles and advice to help employees manage mental ill health, stress and anxiety.
Aviva DigiCare+ Workplace
We can help your insured employees stay healthy with the Aviva DigiCare+ Workplace app. It gives them the guidance they need to help detect, manage and prevent physical and mental health problems.
Employee Assistance Programme (EAP)
Valuable in-the-moment support for employees in all areas of their lives, including coping with pressures at work, relationship breakdowns or money worries.
Thrive Mental Wellbeing
A confidential mental health app, Thrive Mental Wellbeing provides employees with effective, evidence-based tools to improve their mental health.
Helps insured employees stay fit and healthy with dicounts for online workouts and more than 3,000 health and fitness clubs nationwide. It also offers a variety of discounted products and services, including those which can help with the daily living adjustments a cancer diagnosis can bring.
Professionally run courses to help you and your workforce deal with everyday issues, plan for a better future and cope with the unexpected.
An online library of useful content, hints and tips. Includes guides and tools to help with all kinds of situations from family and relationships, money or work, to mental or physical health conditions.
Employer and Employee Hubs
You and your employees have access to dedicated hubs which give you the tools and materials you need to launch these services to your employees, and gives them plenty of information on what's available and how to access the services.
Wellbeing services are non-contractual benefits which Aviva can change or withdraw at any time. Available to employees who are permanent residents of Great Britain, Norther Ireland, the Channel Islands or the Isle of Man. Terms may apply.
People are the beating heart of every business, so it makes perfect sense for employers to do what they can to keep their staff happy, fit and healthy.
As employers ourselves, we know just how important this is – and we’re here to help business owners take good care of their workforce.
Looking after the wellbeing of employees is a good place for all of us to start.
This helps to show them just how important they are. It also makes good business sense, as improved wellbeing leads to better staff engagement and retention. It also helps reduce absenteeism and ensures a business can stand out from the crowd.
So how can we help?
Our workplace wellbeing training courses give managers the confidence to recognise, understand and better handle wellbeing issues.
But improving wellbeing can also be as simple as setting up running clubs or choirs, making use of staff’s own skills, and promoting existing benefits available to employees.
Increasing an employer’s focus on staff health and wellbeing is a great way to head off potential problems.
But a wellbeing strategy can’t fix everything…
We all know that some employees will inevitably come up against problems – anything from joint issues or mental health concerns to a life-threatening illness.
When it happens, we’ve found that the sooner we can help your employees, the sooner they can begin their recovery.
That’s why we encourage employers to contact us as soon as possible.
By getting help for employees quickly, they have a better chance of staying in work, or coming back to work sooner rather than later. Great news for everyone.
At Aviva, we use our extensive experience to get the best outcomes for everyone.
That’s why our services are there to help employees through their illness, whether they’re dealing with cancer, musculoskeletal conditions or mental health issues.
It’s also why we invest in proactive clinical treatments and therapies.
Our team has a wealth of clinical and rehabilitation knowledge and experience.
Plus, they have access to an army of medical staff, specialising in everything from cardiology to counselling, orthopaedics to oncology, physiotherapy to psychiatry.
We all know how difficult this time can be, so we keep the claims process as simple and personal as possible.
Instead of filling in forms while they’re feeling unwell, an employee can simply have a chat with their dedicated case manager, who will get things moving as quickly as possible.
This approach also helps us assess what kind of rehabilitation support they need.
We offer employers a rounded approach to keeping their workforce fit and healthy.
To find out more, search for group income protection on avivaforadvisers.co.uk or aviva.co.uk
Good health counts for so much, so if an employee faces a long period off work due to ill-health or injury, it can create all sorts of worries.
And for employers, employee absence brings its own challenges.
Our Group Income Protection claims pathway can help ease the strain for all.
Even before absence occurs, we’re here for you.
Health can start to deteriorate while an employee is still at work, so engage with us early so we can step in and try to avoid absence.
Where time off is needed to help manage symptoms and aid recovery, we’ll support you both, not only during the claims process, but throughout any eventual return to work.
We’ll assign a dedicated case manager to manage all aspects of your claim and aim to confirm payment before the end of the deferred period.
They’ll take information by phone to understand symptoms, treatment pathways and any obstacles which might be preventing a return to work.
There are no forms to complete and our e-signature process makes providing consent quick and easy.
Our pathways are adapted to the employee’s needs and circumstances.
In addition to our general pathway, extra support can be offered for employees experiencing health problems, such as poor mental health, cancer, musculoskeletal issues or health issues as a result of Covid-19.
From early intervention, to rehabilitation, your case manager is there every step of the way.
To offer the right care, they’re supported by a team of clinical experts, from psychologists to physiotherapists, occupational health nurses to psychiatric nurses and more.
And, they can expand their support to the line manager, HR or occupational health representative.
Rehabilitation support is always considered. And, if needed, rehabilitative funding may be available.
If the time comes for your employee to return to work, your case manager will work with you both alongside necessary medical professionals to help devise and implement a safe and effective return to work plan.
Engage with us and let us take away some of the strain.
For more information please speak to your usual Aviva contact or visit us online.
The sooner we can help your employees, the sooner they can begin their recovery – our early intervention and rehabilitation services are designed to help them remain at work, or make a successful return to work when the time is right. Watch this short video to find out more.
When you make a referral, we’ll provide you and your employee with expert support. Our comprehensive, effective claims pathways offer tailored support based on your employee’s symptoms, treatment pathways, circumstances and barriers to work. Watch this short video to find out more about the practical and clinical support available.
How to apply
If you'd like to apply for Group Income Protection, please speak to your financial adviser. If you do not have a financial adviser you can find one by visiting www.unbiased.co.uk.
Or simply get in touch with your Aviva Group Protection account manager if you have one.
Please note, we are currently unable to offer direct quotes for Group Income Protection cover.
If you have any other questions, we'll be happy to help.
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