Income protection

Helps keep your finances healthy if you can't work because of illness or injury

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Salary Protection Scheme for Ambulance Drivers

Members of the SIPTU National Ambulance Service Sector Grades can apply to join the SIPTU Nurses and Midwives Salary Protection Scheme.

This scheme 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.

It’s there when you need it

How salary protection works for you

Up to 75% of your salary*

Salary protection 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 and passed the scheme ‘deferred period’. Simply put, that’s the time that must pass before benefit is paid.

Life Cover Benefit

The scheme 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.

Spouses'/Civil Partners' Death Benefit or Single Members' Specified Illness Benefit

If your spouse or civil partner dies, you’ll receive a payment of one year's salary.

OR

If you’re single, and are diagnosed with one of the specified illnesses listed in the policy document, you’ll receive an extra 25% of your annual salary.

Tax relief

You're entitled to tax relief on the majority of your scheme membership cost.

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

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How much does it cost?

Cornmarket and SIPTU work together to secure the best price and benefits for SIPTU members. When it comes to cost, you can benefit from the group purchasing power of your union. You're entitled to tax relief on the majority of your scheme membership cost.

Benefit
Cost
Disability Benefit
2.06%
Death Benefit
0.25%
Spouses’ Death Benefit/Single Members’ Specified Illness Benefit
0.14%
Medical Immunity (allows you to join Cornmarket’s Retired Members’ Life Cover Plan, without medical underwriting)
0.05%
Total cost
2.50% of salary

Scheme information

Need to make a claim?

Our helpful and friendly team will guide you through the claims process.

Call us on (01) 408 4018

What our customers say...

Frequently Asked Questions

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This Scheme is underwritten by New Ireland. New Ireland Assurance plc is regulated by the Central Bank of Ireland. A member of Bank of Ireland Group.