Income protection

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

Call us (01) 470 8078

GRA Income Protection Plan

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.

What you get from Income protection

Up to 75% of your salary*

Income protection gives you a replacement income of up to 75% of your annual salary (basic annual salary, rostered pay and pensionable allowances) – 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 income 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.

If you're injured on duty, you'll still be paid in full, so no benefits are paid from the plan.

Tax relief

You're entitled to tax relief on your plan 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 Income Protection, you must meet the definition of disablement as defined in the policy document. Other terms, conditions and exclusions apply.

Join today!

It's there when you need it

Join today!

How much does it cost?

Cornmarket and the GRA work together to secure the best price and benefits for GRA members. When it comes to cost, you can benefit from the group purchasing power of the GRA.

Your premium is just 0.96% of your gross salary.

You're entitled to tax relief on your Plan membership cost. 

Apply Now

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

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

You must be a member of the GRA or a full-time member of a recognised staff association in An Garda Síochána to be an eligible member of the Plan.

On promotion you can continue your membership of the Plan as long as you are a full-time member of the recognised staff association for your rank.

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