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Income Protection is a type of insurance that provides a sustainable income relative to your annual earnings if you cannot work due to sickness, crititcial illness or family concerns that result in taking time off work.

When taking time off work unfortunetly your bills do not stop because your sick, they will continue. The biggest bills in a persons life are:

  • Mortgage or Rental payment
  • Car Loan and running costs
  • Personal Loans and Credit Cards

Some employers provide a limited sick pay or income replacement, such as NHS Workers and Government workers, who generally get up to 6 months full pay and 6 months half pay. Other clients working who do not believe they can rely on recieving half their usual pay can get a "top up" through the income protection to ensure they have enough income to support themselves and pay their bills. For everyone else who does not recieve these benfits from their employer have the option to take this cover, if not you will have access to the government Statutory Sick Pay benefit which you will recieve £95.85 for 28 weeks after 3 days of being off sick by go through the process of completing forms and providing a lot of details in order to get this payment.


High Risk Occupations

If you are taking out Income Protection you have to factor in whether your occupation may be considred high-risk. Having an occupation which is considered to be higher-risk than others will likely increase the cost of Income Protection and this can result in it being a struggle to gain adequate and affordable cover.


With the Income protection it is a simple phone call and form which can be filled out with one of our friendly and professional advisors.

There are also benefits with some providers that provide you with support for being off sick and getting back to work:

  • Fracture cover
  • Second Opnion by Best Doctors
  • BUPA Anytime Healthline
  • Access to Square Health

For a protection review to ensure you have the correct cover in place to suit your needs and to ensure your policies are up to date, contact us today.


Tony McCormick Trading as The Mortgage Company (NI) is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete Services Ltd which is authorised and regulated by the Financial Conduct Authority.

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