Income protection

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

Fórsa Salary Protection Scheme for Civil and Public Servants

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.

Join today!

Call us, request a call back, apply online or talk to us on web chat now!

Pink & Blue Power

Education on breast and prostate cancer, a once-off physical assessment and a referral for further tests if needed (e.g. mammogram, ultrasound, MRI, biopsy).

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A scheme that puts the Fórsa family first!

What you get from Salary Protection

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 entitlements 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.

Specified Illness Benefit

You will receive a once-off lump sum if you are diagnosed with one of the specified illnesses listed in the policy document.

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.

MyDoc, online GP services

MyDoc, an easy online healthcare service, is now available to members of the Fórsa Salary Protection Scheme. This means Scheme members and their family can book free consultations with a doctor, get prescriptions, sick certs and open referral letters to private care, whenever and wherever they need to!

Find out more

What’s your number?

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:

  1. Your paid sick leave days remaining
  2. How many days on full pay
  3. How many days on half pay

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.

Sick Pay Calculator

Please enter how many days missed in last 4 years
Please enter how many days missed in last 12 months


Error occured!

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!

Please note

Call (01) 470 8079

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.

It's there when you need it

Join today!

Call us, request a call back, apply online or talk to us on web chat now!

How much does it cost?

Cornmarket and Fórsa work together to secure the best price and benefits for members of Fórsa. 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.

Disability Benefit
Death Benefit
Specified Illness Benefit
Medical Immunity (This entitles members to join Cornmarket’s Retired Members’ Life Cover Plan, without medical underwriting.)
Total cost
1.99% of salary

Apply now

The Fórsa Salary Protection Scheme Application Form

The Fórsa Salary Protection Scheme Summary Booklet

Please review the Scheme documents above to apply for the Scheme, 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


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

The Scheme is underwritten by New Ireland Assurance Company plc.

New Ireland Assurance Company plc is regulated by the Central Bank of Ireland. A member of Bank of Ireland Group.