GROUP INCOME PROTECTION INSURANCE

Extra Support for Staff Who Cannot Work.

We all fall ill from time to time, but sometimes an illness can prevent us from working for an extended period of time. If one of your employees develops a serious condition or injury, they may worry about how they and their families will manage. Group Income Protection Insurance safeguards their sick pay and can even provide additional support like physiotherapy and rehabilitation. The result? Employees who know they will be fully supported if their health falters and feel a greater sense of company loyalty as a result.

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What is Group Income Protection Insurance?

We commonly insure our houses, personal possessions, cars, phones, and health – but what about our salaries? Being unexpectedly unable to work for more than a few weeks is already incredibly stressful without adding money worries to the mix. Group Income Protection Insurance is a type of insurance policy designed to provide a replacement income to help sick or injured employees manage their personal and living expenses. Do you have an existing policy or are you setting one up for the first time? We can help make sure you have the right tools for the job in place and secure a benefit that many employees will see as a ‘must have’. Talk to us about Income Protection today.

How Does Group Income Protection Insurance Work?

If an employer makes a claim on their Income Protection Plan, the employer will begin receiving regular cash payments. These payments will allow them to continue paying an employee’s salary and provide access to a range of support and assistant services tailored to the needs of businesses, managers, and staff. Some insurers also offer support to line managers to help them manage the claim. Payments normally start after a deferred period (when employer’s sick pay ends) and can continue until the employee returns to work or a fixed termination or age.

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Benefits of Group Income Protection Insurance.

Group Income Protection Insurance covers the costs of replacement income for sick employees, minimising the impact of significant absences on your business’ operations and finances.

Many employees are looking beyond salary and seeking out employers who provide a holistic range of support benefits to safeguard their wellbeing whatever happens. It’s a benefit that shows you  care.

With Group Income Protection Insurance, you can make a positive difference to your employees’ lives at a worrying time. Add it to your provision for an easy way to boost the support you offer.

Most insurance policies offer additional support services to help employees recover, minimising absence times. Some even offer early intervention to help employers manage absence better.

Making a Claim on Group
Income Protection Insurance.

Making a claim on Group Income Protection Insurance is simple, but sometimes things don’t always go to plan. The good news is HWWA Consulting is on your side, ready to help you navigate the process and support you. The insurer should be notified as soon as an employer becomes aware that the absence might be long term. The insurer will require health reports and medical information to process the claim. Claims can be made for as long as the claim period of the plan applies. For example, the claim period could be for 5 years or all the way to state retirement age. For those using state retirement age, claims could be paid out over 20 to 30 years.

 

Frequently Asked Questions

A group income protection scheme is an insurance policy that supports employees who can’t work due to illness or injury. It provides a portion of their salary during recovery, helping them stay financially secure while protecting your business from long-term disruption. As the employer, you set the terms and waiting period, and the insurer pays benefits directly to the employee once the claim is approved.

Offering group income protection insurance demonstrates that you value your team’s wellbeing. It provides financial stability for employees during extended absence and shows your business is a responsible, caring employer. In turn, this can improve staff retention, morale, and your overall reputation. HWWA Consulting helps businesses design group income protection schemes that balance meaningful cover with cost efficiency.

Yes, most group income protection schemes include cover for mental health issues, not just physical illness or injury. This means employees can receive financial support while accessing treatment and recovery time. Including mental health cover helps promote a genuinely supportive workplace culture and reflects a modern, proactive approach to employee wellbeing.

The cost of group income protection insurance depends on several factors: the number of employees covered, salary levels, benefit duration, and the chosen waiting period. Working with a specialist employee benefits consultant like HWWA Consulting ensures you select a policy that fits your budget and meets the needs of your workforce.

When selecting a group income protection scheme, it’s important to review the level of cover, waiting periods, maximum benefit terms, and the insurer’s service reputation. Independent advice from a pensions and benefits specialist helps ensure the scheme is fully compliant, tax-efficient, and aligned with your organisation’s wider benefits strategy.

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Talk to us

Lets start

your Journey.

Employee benefits don’t have to be a headache. Get in touch for a free initial consultation with a member of our friendly team and we’ll help you attract and retain top talent.

Contact us

Talk to us

Lets start

your journey.

Employee benefits don’t have to be a headache. Get in touch for a free initial consultation with a member of our friendly team and we’ll help you attract and retain top talent.