Salary protection gives you a replacement income of:
- up to 66.66% of salary for NFVSP employees who are in the NFVSP Pension Scheme* (plus Pension Protection Benefit of 12% of salary) OR
- 75% of salary for NFVSP employees who are not in the NFVSP Pension Scheme*
*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.
You're entitled to tax relief on the majority of your scheme membership cost.
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.
After an initial three year period, you must satisfy a Functional Assessment Test in order for your claim to remain in payment. Other terms, conditions and exclusions apply.