This plan 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.
All eligible members of AHCPS under the age of 40 will get 3 Months' FREE Salary Protection* when they apply to join the AHCPS & VOA Income Continuance Plan before 30th October 2026.
Enjoy the great benefits of Salary Protection, with your first 3 months FREE!*
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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. Ø 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 three months' extra benefit if an income continuance claimant dies. This can help their loved ones to pay bills and unexpected costs, at an already difficult time.
You're entitled to tax relief on 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.
It’s simple to find out!
Enter the number of sick days you’ve had in the last 4 years.
Then enter the number of sick days you’ve had in the last 12 months, and we’ll tell you:
Note: This is an estimate of your remaining paid sick leave based on our understanding of the Public Service Sick Leave Regulations (at July 2021) and on the information provided by you. For exact sick leave details please contact your employer. The example is based on ordinary sick leave regulations for a public sector worker with 20 years of service, paying A1 PRSI and who is 45 years old. It does not take into account any extended paid sick leave granted under the Critical Illness Protocol or pregnancy related illness which may extend the period of paid sick leave.
It's surprising how quickly your sick days can add up, especially when you consider you are looking back over the past 4 years. An unexpected illness or injury can happen to anyone, at any age. Be prepared and protect your income today!
This graph example is based on a Public Sector employee, who is a member of the Superannuation Scheme with 20 years' service earning €50,000 per annum, who is now unable to work due to disability arising from illness or injury. It is assumed that standard Public Sector sick leave arrangements apply, extended paid sick leave under the Critical Illness Protocol does not apply and Ill Health Early Retirement Pension is granted after 2 years. Social welfare rates are as at July 2021.
Cornmarket, the AHCPS and VOA work together to secure the best price and benefits for members. When it comes to cost, you benefit from the group purchasing power of your union.
Total cost is 1.04% of salary.
You're entitled to tax relief on your plan membership cost.
Please review the Plan documents above to apply for the Plan, and click here to access our Terms of Business.
Send your completed application form to:
Cornmarket Group Financial Services Ltd.
Group Protection Department
Christchurch Square
FREEPOST F3976
Our helpful and friendly team will guide you through the claims process.
Call us on (01) 408 4018*Offer available to eligible members of AHCPS, You must be under the age of 40, fulfil the eligibility criteria of the scheme and apply to join between 20th July 2026 and 30th October 2026. If you are eligible for the Free Offer, your Scheme premiums will commence 3 months from the date that you are accepted into the Scheme and cover commences, unless you cancel within the 3 months. This offer is not available to existing members of any Salary/Income Continuance Scheme administered by Cornmarket. This offer cannot be claimed in conjunction with any other offer (e.g. Rewards/Free Period). If you are eligible for more than one offer, the offer with the longest free period will apply.
This Plan is underwritten by Irish Life Assurance plc.
Irish Life Assurance plc is regulated by the Central Bank of Ireland.