Long-term illness or sick leave can be very challenging for employers - while there is no obligation to continue paying a staff member on long term sick leave, many employers feel a duty to provide some financial assistance to such staff.

A Group Income Protection plan allows you as an employer to safeguard the financial well-being of your staff by providing them with a replacement income during long-term absences from work through illness or injury.

Key benefits of a Group Income Protection Plan:

• Valuable financial benefit for staff at a relatively low cost to the company

• Can be part of an attractive benefits package for key employees

• Costs of long term staff absence reduced

• Flexible choice of benefits

• Employee Assistance programme for staff who are claiming on the plan - helps with back to work programmes.

• Proportional benefit helps support employees returning to work

• Reduced underwriting requirements for Group plans - little medical underwriting required.