Welcome to the Central Bank of Ireland Group Protection Plans

Automatic (Auto) Access & your 4 Months' Free Cover!

Automatic (Auto) Access & your 4 Months' Free Cover!

We’re delighted to announce that from 1st April, Central Bank of Ireland employees will be automatically entered into the Income Protection and Group Life Plans, administered by Cornmarket.

These Plans are tailored for Central Bank of Ireland employees, and provide protection for what matters most.

All employees who are actively at work* on 1st April 2025 will be included in the Plans automatically, with no medical underwriting and 4 months’ FREE!

Benefits for you and your family!

Income Protection

Up to 75% of salary if you are unable to work due to illness or injury**

Find out more

Group Life

A benefit of 2.5 times your annual salary

Find out more

What happens next?

  • If you are already a member of Income Protection and Group Life, you’ll benefit from a reduction in rate!
  • If you are a member of one Plan but not the other, you will be added to the Plan you are not currently a member of, and will receive a welcome pack from Cornmarket.
  • If you are not a member of either Plan, you will receive a welcome pack from Cornmarket with details of both Plans.

How much does it cost?

From 1st April 2025, the cost of Plan membership of the Income Protection Plan is 0.71% of salary and the cost of Group Life is 0.25% of salary.

All employees who are actively at work* on 1st April 2025 will be included in the Plans automatically, and get the first 4 months’ FREE!

Warning: The current premium may increase at the next Plan review which should take place on or after 31st March 2029.

Can I opt-out?

If you do not wish to avail of this preferential entry to the Income Protection and Group Life Plans, you can contact the People Directorate in Central Bank at IPLA-AutoAccess@centralbank.ie.

It’s important to note that if you opt-out and decide to join at a later date, you will need to undergo medical underwriting.

*Actively at work today - This means you:

  • Are working your normal contracted number of hours
  • Have not received medical advice to refrain from work
  • Are not medically restricted from fully performing the normal duties associated with your occupation

Those on paid or unpaid statutory maternity, adoptive, parent’s or paternity leave are considered ‘actively at work’ as long as this period of leave is not in excess of 47 weeks in total.

Those on career break, taking carer’s leave or other forms of unpaid leave are not considered ‘actively at work’. Those taking parental leave are not considered ‘actively at work’ unless they are working a reduced number of hours every week throughout their leave and otherwise meet the eligibility criteria of the Plan.

For more information on Plan eligibility, click here.

**Less any other income that you may be entitled to, including half pay, Ill Health Early Retirement Pension, Temporary Rehabilitation Remuneration, State Illness Benefit or State Invalidity Pension.

Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland.

The Scheme is provided by Irish Life Assurance plc.

Irish Life Assurance plc is regulated by the Central Bank of Ireland