Salary protection gives you a replacement income of up to 70% of your Declared Earnings* – if you can't work due to illness or injury and you pass the scheme deferred period.

*Up to 70% of your Declared Earnings less any other income to which you may be entitled e.g. State Illness Benefit. Declared Earnings are subject to the maximum of €257,000 for a self-employed member. Terms and conditions apply; see the scheme information section below for further information.

The scheme provides a lump sum of typically twice your declared earnings if you die. This can help to pay bills and unexpected costs, at an already difficult time.

You will receive a once-off lump sum if you are diagnosed with one of the specified illnesses listed in the policy document.

A further 10% of your Declared Earnings will be paid into a separate Personal Retirement Savings Account if you claim from the scheme for over two years.

You're entitled to tax relief on the majority of your scheme membership cost.

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 think your salary will be affected.

To be eligible to claim from salary protection, you must meet the definition of disablement as defined in the policy document. Other terms, conditions and exclusions apply.