Salary protection pays a replacement income of up to 50% of salary* – if you can't work due to illness or injury, and your sick pay has ceased.
*Less any other income to which you may be entitled e.g. half pay, Ill Health Early Retirement Pension, Temporary Rehabilitation Remuneration, State Illness or Invalidity Benefit. You must exhaust your employer’s sick leave entitlements and the scheme deferred period as noted in the policy document.
You're entitled to income tax relief on your full scheme membership premium.
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 cease.
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.