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.
Adapt your policy
We'll work with you to choose the right level of cover for your business and employees.
From handling claims to helping employees back to work, we resolve things quickly.
Focus on wellbeing
Our workplace wellbeing services help you to create a healthier, happier workplace.
When Emily’s health suddenly deteriorated, she reached a point where she could no longer work. Over time, with our financial, emotional and rehabilitation support she was able to manage her illness and get back to the job she loved. Watch her story.
Why choose us?
Proactive rehabilitation services and a simple claims process help your employees focus on their health, recovery and return to work.
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, an Aviva case manager will work closely with them to offer a tailored rehabilitation plan and early intervention support, to help them make a safe and timely return to work.
£214k in successful claims
In 2018, we paid an average of £214,000 in Group Income Protection benefits to UK employees each day.
We support your employees at every stage of the process by assigning a dedicated case manager to each claim. They’ll speak directly to your employees and arrange any necessary meetings with clinicians.
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.
- Promote health and wellbeing
Promoting wellbeing in your workplace can help create a healthier, happier workforce. Find out more about our Workplace Wellbeing services.
- Manage your finances
Under current UK tax laws, your premiums usually qualify as an allowable business expense.
- Results for your business
In 2018, 77% of our rehabilitation cases either returned to, or remained at work. So let us help your team when you need it.
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
Your team can get additional support from counselling and information services, with our Employee Assistance Programme (EAP).
- Expert case manager
We'll pass any claims to a dedicated case manager who'll support your employees throughout their recovery and help them return to work.
- A focus on wellbeing
With our early rehabilitation and support services, we'll put your employees in control of maintaining their health and wellbeing.
Help your team manage difficult times
As an additional benefit, we'll give your employees access to the support provided by our partner Care first.
Employee Assistance Programme (EAP)
To help your employees stay healthy, our EAP can offer valuable support in all areas of their lives, such as coping with pressures at work, relationship break downs, or money worries. Support is accessed through Thrive: Mental Wellbeing - an NHS-approved app which can help employees detect, prevent and self manage common mental health conditions, including stress, depression and anxiety.
Services include access to a 24/7 helpline for ‘in the moment’ support from BACP qualified counsellors who they can talk to about personal issues. If counselling is deemed clinically appropriate, the EAP offers up to eight counselling sessions a year. Employees can also access online resources with advice, articles and webinars on everyday topics, from relationships and childcare to bereavement.
The EAP is provided by Care first and is offered to all your employees, regardless of whether or not they are covered under our Group Income Protection policy. The EAP is a non-contractual benefit that can be withdrawn by Aviva at any time, without notice.
How to apply
If you'd like to apply for Group Income Protection, please speak to your financial adviser. 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.
Still need help? Give us a call:
Monday to Friday: 9:00 to 17:00
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of five years. Calls to 0800 numbers from the UK landlines and mobiles are free.
Making a claim
It's easy to make a claim on a Group Income Protection policy. Here's what you'll need to do:
Tell us about an employee's absence
Let us know if an employee is off sick for four weeks or more. We'll then assign a case manager to your claim.
A case manager will work with them
The case manager will speak to your employee about their absence. Depending on the reason, they’ll arrange a meeting with our clinicians. They may recommend workplace changes or treatments such as physiotherapy to help them return to work.
We'll assess your claim
The case manager will carry out a financial and medical assessment of your employee. They'll then make a decision about the claim and share it with you.
Expert business insight and analysis
Health & Wellbeing / 6 Apr 2020
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Sophie Money, Group Protection Workplace Wellbeing Manager at Aviva, explains why winning at wellbeing starts with managers.
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Health & Wellbeing / 24 Feb 2020
Are there generational differences in group protection provision?
Recent research on Millennials, Generation X and Baby Boomer employees points at different health, wellbeing and group protection solutions.
Sustainability / 14 Feb 2020
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Steve Jackson outlines the case for integrated workplace drawdown and how it can give employees better retirement outcomes.
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Health & Wellbeing / 14 Jan 2020
5 reasons why employers should be supporting alcohol awareness
Don Shenker, founder of the Alcohol Health Network, explains why businesses should be educating their employees about alcohol consumption.
Health & Wellbeing / 10 Jan 2020
Can group protection help solve 2020’s recruitment wars?
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Health & Wellbeing / 9 Jan 2020
SMEs and cancer: how employee benefits packages can help
Steve Browning, Group Protection Proposition Manager at Aviva, looks at some potential solutions.
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Business Continuity Planning: Where do we start?
Pete Holmes, Aviva Risk Consultant, answers everyone’s first question on how to plan for the unexpected.
Health & Wellbeing / 11 Dec 2019
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The menopause doesn’t just affect women in the workplace – it’s an issue for us all. So, why don’t we talk about it more?
Good business / 10 Dec 2019
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Aviva’s research shows it takes an average of 1 hour 49 minutes to shut off from work. Is there a faster route to the 'off switch'?
Health & Wellbeing / 6 Dec 2019
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Many employers would like to increase productivity. But the question of how can be a difficult one to answer.
Pensions / 4 Dec 2019
How being human stops you saving into a pension
If people value what they have now more than what they may get in the future, how can you get them to save for their retirement? Dale Critchley explains.
Health & Wellbeing / 29 Nov 2019
How could giving away a few apples make a difference?
Debbie Bullock, Aviva Wellbeing Lead, explains why healthy eating initiatives add up to more than the sum of their parts.
Health & Wellbeing / 25 Nov 2019
Work anxiety: how email etiquette can help your workforce
When it comes to work anxiety, the humble email can be both cause and solution – or even the means of diagnosing the problem…
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