Income protection

Keep your finances healthy if you’re too ill to work

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What is income protection?

Income protection 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, so you can focus on getting better.

You can claim income protection when you have used up your employer’s sick leave and passed the plan ‘deferred period’. Simply put, that’s the time that must pass before benefit is paid.

What you get from income protection

Up to 75% of your salary*

Income protection pays 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. Please note, some plans have a lower benefit amount. You must exhaust your employer’s sick leave entitlements and the scheme deferred period as noted in the policy document.

Life Cover Benefit

Some of our income protection plans provide a lump sum of twice your annual salary to your loved ones in the event of your death. This can help pay bills, mortgage or funeral costs – providing relief at a difficult time.

Single payment Specified Illness Benefit

Where this benefit is included in the plan you receive a single lump sum if you are diagnosed with a specified illness listed in your policy.

Tax relief

You're entitled to full tax relief on your disability benefit premium.

We're committed to your claim

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/salary protection, you must meet the definition of disablement as defined in the policy document. Other terms, conditions and exclusions apply.

Why choose us?

We understand your needs and we negotiate the best prices on the best cover, for you.

If you need to claim, our helpful and friendly team will guide you through the claims process.

What our customers say...

Irish Life Assurance plc is regulated by the Central Bank of Ireland.