About UK Income Protection
UK Income Protection specialise in industry specific income protection.
Benefits of Income Protection
Your Bills Are Covered.
Financially Able To Live And Support Your Family.
Peace Of Mind.
About UK Income Protection
UK Income Protection is here to help get as many people covered as possible. We understand from first-hand experience how hard it can be when you can’t work to pay your everyday bills. This just adds another issue to the time off. Due to this many people rush their return to ensure their wages as they simply can’t live. Rushing a return to work and not fully recovering from your injury/illness can even lead to more issues down the line. We at UK Income Protection offer a great solution! We can help with an Income protection policy. If you are unable to work due to sickness or injury, and you have an income protection policy, your insurer will cover up to 70% of your income.
To claim you would have to prove to the insurer the reason you are off typically with a doctor’s note and they will pay out the agreed amount. This gives you peace of mind knowing if anything does happen, you are covered. Here at UK Income Protection, we also realised that some people struggle to qualify for Income Protection based on their occupation. We specialise in Industry Specific income protection, working specifically with sectors including the construction industry, the driving industry, and the healthcare industry. Get in touch today and we can help get you the cover you need!
Let’s protect your income today.
Get in touch with us today and we can help get a free quote set up. The application will only take around 10 minutes.
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FAQ’s
Would Income Protection cover pre-existing medical conditions?
Depending on the condition, when it was diagnosed and if there are any ongoing symptoms your insurer might exclude any pre-existing conditions temporarily. However, after a period of time has passed they may review so that the conditions are then included on the plan. In certain cases, and for mild conditions they may be included from the start of the policy.
Would an Income Protection policy affect my statutory Sick Pay?
No, you are still entitled to claim Statutory Sick Pay if you are employed, as well as claiming for income protection. If you are self-employed you are not entitled to SSP
What is the deferred period?
The deferred period is the length of time that you can wait until you need the insurance to payout. For example, if you receive sick pay from your employer for the first 3 months, you could choose a 3-month deferred period. Or, if you are self-employed and would need the insurer to pay straight away if you can’t work, you could choose a deferred period of 1 day, or 1 week.
How much will it cost?
The price will depend on many factors such as health and lifestyle, the cover amount, age, occupation and deferred period.
How much Income Protection will I get?
You can protect up to 70% of your income. If you are employed this will be calculated on your gross income, and if you are self-employed this is taken from your net profit.
Is it worth getting an Income Protection policy?
If you have children or other dependants, an illness would mean you couldn’t pay the bills due to not being able to work, you should consider income protection to cover yourself. You’re most likely to need it if you’re self-employed or employed and you don’t have sick pay to fall back on.
Can I claim on my Income Protection policy if I become unemployed.
Sadly, you can not. You would have to be in full time employment to have an income protection policy and can only claim when you can prove you are off work due to sickness or injury. However, we can offer unemployment cover through one of our specialist insurers.
Do I have to pay tax on income protection?
Great news on this. You do not!