Income protection

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

SIPTU Nurses & Midwives 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.

Join today!

Call us, request a call back, or talk to us on web chat now!

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 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.

Spouses'/Civil Partners' Death Benefit or Single Members' Specified Illness Benefit

If your spouse or civil partner dies, you’ll receive a payment of one year's salary.


If you’re single, and are diagnosed with one of the specified illnesses listed in the policy document, you’ll receive an extra 25% of your annual pensionable salary.

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.


MyDoc, easy online healthcare, is now available to members of the Salary Protection Scheme for SIPTU Nurses and Midwives! This means Scheme members can book free consultations with a doctor, get prescriptions, sick certs and open referral letters, whenever and wherever they need to!

Find out more

What’s your number?

It’s simple to find out!

Enter the number of sick days you’ve had in the last 4 years.

Then enter the number of sick days you’ve had in the last 12 months, and we’ll tell you:

  1. Your paid sick leave days remaining
  2. How many days on full pay
  3. How many days on half pay

Note: This is an estimate of your remaining paid sick leave based on our understanding of the Public Service Sick Leave Regulations (at July 2021) and on the information provided by you. For exact sick leave details please contact your employer. The example is based on ordinary sick leave regulations for a public sector worker with 20 years of service, paying A1 PRSI and who is 45 years old. 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


Error occured!

It's surprising how quickly your sick days can add up, especially when you consider you are looking back over the past 4 years. An unexpected illness or injury can happen to anyone, at any age. Be prepared and protect your income today!

Please note

Call (01) 470 8079

This graph example is based on a Public Sector employee, who is a member of the Superannuation Scheme with 20 years' service earning €50,000 per annum, who is now unable to work due to disability arising from illness or injury. It is assumed that standard Public Sector sick leave arrangements apply, 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 July 2021.

Great news!

SIPTU Health Care Assistants and members of the SIPTU National Ambulance Service Sector can now apply to join the Scheme!

Apply now!

It’s there when you need it

Join today!

How much does it cost?

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

Disability Benefit
Death Benefit
Spouses’ Death Benefit/Single Members’ Specified Illness Benefit
Medical Immunity (allows you to join Cornmarket’s Retired Members’ Life Cover Plan, without medical underwriting)
Total cost
2.45% of salary

Apply now

SIPTU Nurses & Midwives Salary Protection Scheme Application Form

SIPTU Nurses & Midwives Salary Protection Scheme Summary Booklet

Please review the Plan documents above to apply for the Plan, and click here to access our Terms of Business.

Send your completed application form to:

Cornmarket Group Financial Services Ltd.

Group Protection Department

Christchurch Square


Eligible organisations/employers that can be covered under the scheme

You may apply to join the SIPTU Health Care Assistants Salary Protection Scheme if you are an employee under one of the following employers:

  • A Voluntary Agency funded under Section 38 of the Health Act 2004 (as listed below)
  • A hospital, owned and funded by the HSE and a member of one of the HSE Seven Hospital Groups
  • A Voluntary Public Hospital and a member of one of the HSE Seven Hospital Groups
  • A Private Hospital affiliated to the Private Hospitals Association
  • A Public Health Facility or Care Centre operated by the HSE

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

This scheme is underwritten by New Ireland. New Ireland Assurance Company plc is regulated by the Central Bank of Ireland. A member of Bank of Ireland Group.