Income protection

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

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POA Income Continuance 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.

It's there when you need it

What you get from income continuance

Up to 75% of your salary*

Income continuance 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.

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 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 continuance, you must meet the definition of disablement as defined in the policy document. Other terms, conditions and exclusions apply.

How much does it cost?

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

The cost is 2.50% of gross salary.

You're entitled to tax relief on your plan membership cost.

Plan information

Need to make a claim?

Our helpful and friendly team will guide you through the claims process.

Call us on (01) 408 4018

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Frequently Asked Questions

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This plan is underwritten by Friends First. Friends First Life Assurance Company Limited is regulated by the Central Bank of Ireland.