Income continuance gives you a replacement income of up to 75% of your annual salary* – 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. You can claim salary protection when you have used up your employer’s sick leave entitlements and passed the scheme ‘deferred period’. Simply put, that’s the time that must pass before benefit is paid.

The plan provides a lump sum of typically twice your annual salary 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.

You receive an extra 10% of your salary into a Personal Retirement Savings Account if you claim from the plan for over two years.

You're entitled to tax relief on the majority of your Plan 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 income continuance, you must meet the definition of disablement as defined in the policy document. Other terms, conditions and exclusions apply.