Income protection

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

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INTO Salary 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.

It's there when you need it

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.

Sick Leave Calculator

This is an estimate of your remaining paid sick leave based on our understanding of the Public Service Sick Leave Regulations (at September 2018) and on the information provided by you. For exact sick leave details please contact your employer.

Note: This calculator is based on ordinary sick leave regulations. 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

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How would you cope financially without your salary?

Cornmarket's Income Protection Schemes are a simple, tax efficient way to protect you and your family in the event of Illness of injury.

Please note

Call (01) 477 5132

This graph example is based on a Public Sector employee, who is a member of the Superannuation Scheme with 20 years' service. They are earning €50,000 per annum and are now unable to work due to illness or injury. This example is based on the standard Public Sector sick leave arrangements (i.e. 13 weeks full pay in one year, followed by 13 weeks half pay). 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 March 2018.

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How much does it cost?

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

Benefit
Cost
Disability Benefit
1.09%
Death Benefit
0.24%
Specified Illness Benefit
0.11%
Medical Immunity (allows you to join Cornmarket’s Retired Members’ Life Cover Plan, without medical underwriting)
0.05%
Total cost
1.49% of salary

Scheme information

The Salary Protection Scheme for INTO Members Summary Booklet

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

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