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 entitlements and passed the scheme ‘deferred period’. Simply put, that’s the time that must pass before benefit is paid.
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.
You will receive a once-off lump sum if you are diagnosed with one of the specified illnesses listed in the policy document.
You're entitled to tax relief on the majority of your scheme 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 salary protection, you must meet the definition of disablement as defined in the policy document. Other terms, conditions and exclusions apply.
Early Payment of Disability Benefit
To make life easier for members, New Ireland will commence the early payment of Disability Benefit from the date the member’s salary reduces to half pay or ceases altogether. This is provided that the insurer receives a claim form and a medical certificate confirming the nature of the member’s illness a minimum of 6 weeks before the member’s pay reduces or ceases. Payment of this benefit is subject to your employer providing, and New Ireland being satisfied with, the necessary administrative information required for payment.
The early payment will be made for a maximum of 3 months while New Ireland is gathering the necessary medical evidence to make a final decision on your claim. If your claim is not agreed for payment when the final decision is made, you will not have to repay the early benefit payment.