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POA Income Continuance Plan

Could you and your family survive without your salary if you fell ill and were unable to work? If your answer is no, then you need Income Continuance insurance.

The POA Income Continuance Plan protects your salary against the impact of illness or disability, providing you with a replacement income* should you fall ill and become unable to work.

Exclusively available to POA members, the security and benefits of this Income Continuance Plan are not available anywhere else.

Key Benefits

  • A replacement income of up to 75% of your salary* if you fall ill and are unable to work
  • A separate once-off lump sum if you suffer a Specified Illness (Please contact Cornmarket for the policy definition of each illness and its pre-existing conditions)
  • Tax relief on the contributions that you pay (find out more)
  • A claims service you can trust (find out more)

Why is Income Continuance so important?

*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 must exhaust your employer’s sick leave entitlements and the Plan deferred period as denoted in the Plan Summary Booklet.

Click 'Join Now' or call us today on (01) 470 8078.

How much does it cost?

The POA Income Continuance Plan is to be affordable for every member. It is remarkably good value because it’s negotiated on a special ‘group basis’ exclusively for POA members and harnesses the purchasing power of the Union.

The contribution rate is currently set at 2.50% of gross salary.

Tax Relief

You are eligible for tax relief at your highest rate of tax on the contributions that you pay.

This means that the net contribution rate is only 1.50% after tax relief is applied, if you are paying tax at the higher rate.

The Real Question is…

Can you afford not to have this Income Continuance insurance in place for you and your family? Membership of the Plan is a small price to pay for the security and peace of mind that this cover provides.

Click 'Join Now' or call us today on (01) 470 8078.

What do I need to know?

Income Continuance is a simple, tax-efficient way to protect your family and livelihood in the event of illness or injury.

A quick overview of the POA Income Continuance Plan can be accessed via the link below:

For more information, please call us on (01) 470 8078.

How to join?

Before submitting your application to join the Plan, please consult the following documents for eligibility, terms and conditions:

Then all you need to do is:

1) Apply over the phone – call (01) 470 8078


2)  Request a call back - Click here

How to make a claim

Step-by-Step Guide

Please click here for a Step-by-Step Guide to making a claim from the Plan.


Cornmarket is not automatically notified of your absence from work through illness. Ideally, we should be informed about approximately 8-9 weeks in advance of your salary reducing to half pay or ceasing altogether. As soon as you become aware that, due to illness or injury, your salary is likely to reduce to half pay or cease altogether, please let us know by:

  • Phone             (01) 408 4018
  • Online             Click here
  • Post                SPS Claims Department
                            Cornmarket Group Financial Services Ltd.
                            Christchurch Square
                            Dublin 8

A Claims Service you can Trust

We’re Cornmarket’s in-house, dedicated Income Continuance Claims Team. Should you ever need to make a claim, you can rest assured that it will be dealt with in the efficient, professional and sensitive manner that you deserve.

We’re here to help you.

Call us on (01) 408 4018 or click here to send us an email.

Important: You must remain a member of the POA to remain an eligible member of the POA Income Continuance Plan. If you leave the Union, you must inform Cornmarket in writing as you can no longer stay in the Plan and you will not be able to claim from it.


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