Income protection

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

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Salary Protection Scheme for NFVB Employees

The 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 66.66% of salary for NFVB employees who are in the NFVB Pension Scheme* (plus Pension Protection Benefit of 12% of salary) OR
  • 75% of salary for NFVB employees who are not in the NFVB 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.

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.

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.

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How much does it cost?

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

The cost is 2.47% of gross salary.

Scheme information

The NFVB Salary Protection Scheme 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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Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.