This Plan is designed to provide you with a replacement income of up to 75% of salary* if you’re ill or injured and can’t work. It helps give financial security and peace of mind ensuring the important things in your life can stay on track.
All eligible AGSI members will get 6 Months’ FREE Income Protection* when they apply to join the Income Protection Plan (GRA) for the first time before 30th April 2025.
Enjoy the great benefits of Income Protection, with your first 6 months’ FREE!*
Click here to find out more
Income Protection gives you a replacement income of up to 75% of your annual salary (basic annual salary, plus rostered pay, plus any other pensionable allowances) – if you can't work due to illness or injury, and your sick pay has reduced to half pay or ceased altogether.
**Up to 75% less any other income to which you may be entitled e.g. half pay, Ill Health Early Retirement Pension, Temporary Rehabilitation Remuneration, State Illness Benefit or Invalidity Pension Benefit.
Disability Benefit is payable when you have used up your employer’s sick leave entitlements, passed the scheme ‘deferred period’, simply put, that’s the time that must pass before benefit is paid, and the Insurer has admitted the claim.
If you're injured while on duty, you may still be paid in full, in this case no Disability Benefit is payable from the Plan
Your full premium is eligible for Income Tax Relief. The rate at which Income Tax Relief is applied may depend on your individual tax circumstances.
If you pay your premiums through your salary Income Tax Relief is applied automatically.
Our helpful and friendly team will guide you through the claims process.
Remember, we're not automatically notified if you’re absent from work due to illness or injury. If this happens, it's important to contact us as soon as you start your sick leave.
To be eligible to claim from Income Protection, you must meet the definition of disablement as defined in the policy document. Other terms, conditions and exclusions apply.
It’s simple to find out!
Enter the number of sick days you’ve had in the last 4 years.
Then enter the number of sick days you’ve had in the last 12 months, and we’ll tell you:
Note: This is an estimate of your remaining paid sick leave based on our understanding of the Public Service Sick Leave Regulations (at September 2023) and on the information provided by you. For exact sick leave details please contact your employer. The example is based on ordinary sick leave regulations for a public sector worker with 20 years of service, paying A1 PRSI and who is 45 years old. It does not take into account any extended paid sick leave granted under the Critical Illness Protocol or pregnancy related illness which may extend the period of paid sick leave.
It's surprising how quickly your sick days can add up, especially when you consider you are looking back over the past 4 years. An unexpected illness or injury can happen to anyone, at any age. Be prepared and protect your income today!
This graph example is based on a Public Sector employee, who is a member of the Superannuation Scheme with 20 years' service earning €50,000 per annum, who is now unable to work due to disability arising from illness or injury. It is assumed that standard Public Sector sick leave arrangements apply, extended paid sick leave under the Critical Illness Protocol does not apply and Ill Health Early Retirement Pension is granted after 2 years. Social welfare rates are as at July 2021.
Cornmarket and the AGSI work together to secure the best price and benefits for AGSI members. When it comes to cost, you can benefit from the group purchasing power of the AGSI.
Your premium is just 0.70% of your gross salary.
Your full premium is eligible for Income tax relief. The rate at which income tax relief is applied may depend on your individual tax circumstances.
Please review the Plan documents above to apply for the Plan, and click here to access our Terms of Business.
Send your completed application form to:
Cornmarket Group Financial Services Ltd.
Group Protection Department
Christchurch Square
FREEPOST F3976
Our helpful and friendly team will guide you through the claims process.
Call us on (01) 408 4018
*Terms, conditions and exclusions apply. For full offer terms and conditions, please visit www.cornmarket.ie/income-protection/agsi-six-months-free/.
You must remain a member of the GRA or the relevant association for your rank on promotion within An Garda Síochána to remain an eligible member of the Plan.
This Plan is underwritten by Aviva Life & Pensions Ireland DAC.
Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.