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.
£226k in successful claims
In 2019, we paid an average of £226,000 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 2019, 80% 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:
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
Pensions / 5 Aug 2020
The changing face of financial education
With face-to-face seminars impossible at the moment, Chris Allen, explains how our financial education team have successfully moved online.
Pensions / 23 Jul 2020
Engaging employees with pension savings after coronavirus
Dale Critchley looks at the challenge the financial services industry faces in helping employees to re-engage with their pensions.
Health & Wellbeing / 23 Jul 2020
Looking after employees during the return to work
Matt Smith, Rehabilitation Manager at Aviva UK, looks at how employers can help employees feel more confident as they return to the workplace.
Health & Wellbeing / 22 Jul 2020
Supporting employees’ mental health as everything changes again
Clinical Nurse Consultant Heather Buckeridge looks at how employers can promote good mental health as more people return to the workplace.
Health & Wellbeing / 7 Jul 2020
Wellbeing: it has to be a culture, not a strategy
Sophie Money explains how you can make use of a resource you already have to make wellbeing work for you.
Health & Wellbeing / 24 Jun 2020
How to spot if your employees are burning out
Aviva’s Dr Doug Wright looks at how to spot the signs of burn-out and what you and your employees can do to prevent it.
Pensions / 23 Jun 2020
What furlough taught us about retirement planning
Dale Critchley looks at how furlough could give workers a glimpse of life after work and how that might help them focus on retirement planning.
Good business / 16 Jun 2020
Keeping employees motivated: what you can and can’t do
Rachel Fenoughty, of Aviva’s Learning & Development team, asks how employers can motivate employees in times like these – and concludes that they can’t…
Health & Wellbeing / 9 Jun 2020
It’s all in a good night’s sleep
Heather Buckeridge, Aviva clinical consultant nurse discusses how you can help you and your employees overcome problems sleeping.
Good business / 8 Jun 2020
Why businesses should talk more about employees caring duties
Jonathan Briggs, Group Head Talent Acquisition at Aviva, looks at why businesses should talk about flexible working for carers.
Health & Wellbeing / 3 Jun 2020
Looking after your back in lockdown and beyond
With many of us still working from home for the first time, you can take steps to make sure the pain doesn’t go straight to your back.
Good business / 1 Jun 2020
Why it’s good to keep your employees volunteering
With all the new guidelines surrounding coronavirus, traditional approaches to volunteering have had to change.
Pensions / 28 May 2020
Financial education: giving the right message at the right time
Laura Stewart-Smith looks at how to handle communicating with your employees during the coronavirus pandemic.
Health & Wellbeing / 20 May 2020
The links between alcohol and mental health
Don Shenker, founder of the Alcohol Health Network, explains why it's important to understand the link between mental health and alcohol consumption.
Pensions / 19 May 2020
Are pension contributions an essential item when times are tough?
With the world beginning to come to terms with the financial impact of the coronavirus pandemic, Dale Critchley asks what this means for pension contributions.
Health & Wellbeing / 18 May 2020
Get your employees talking during Mental Health Awareness Week
Jo Potter, Group Protection Account Manager at Aviva, discusses how employers can use Mental Health Awareness Week to start conversations.
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