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.

6 Months’ FREE Salary Protection for members under age 45**

All eligible members will get 6 Months’ FREE Salary Protection** when they apply to join for the first time before 31st December 2022.

Enjoy the great benefits of Salary Protection, with your first 6 months’ FREE!**

Click here to find out more.

**Terms, conditions and exclusions apply. For full offer terms and conditions, please visit

Join today!

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

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.

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, or talk to us on web chat now!

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


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.