Income protection

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

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INMO Income 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.

6 Months’ FREE Salary Protection*

All eligible members who are under age 40 will get 6 months’ FREE Salary Protection* when they apply to join for the first time before 31st December 2021.

Enjoy the great benefits of Salary Protection, and pay nothing for the first 6 months!

Click here to find out more.

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* – 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.

Join today!

Let's Talk About It

A mental health collective for INMO members that aims to get nurses and midwives talking about mental health. Learn more about support services, webinars, podcast series, and other resources available to nurses and midwives.

Learn More

New: MyDoc

MyDoc, easy online healthcare, is now available to members of the INMO Income Protection Scheme! This means Scheme members can book free consultations with a doctor, get prescriptions, sick certs and referrals, whenever and wherever they need to!

Learn More

It's there when you need it

Join today!

How much does it cost?

Cornmarket and the INMO work together to secure the best price and benefits for INMO 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.

Disability Benefit
Death Benefit
Specified Illness Benefit
Medical Immunity (allows you to join Cornmarket’s Retired Members’ Life Cover Plan, without medical underwriting) – delete asterisk and include text in red within table content
Total cost
2.24% of salary

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The INMO Income Protection Scheme Application Form

The INMO Income Protection Scheme Summary Booklet

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

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

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.