The coverage is for those who want comprehensive coverage with a choice of options to protect themselves against loss of income if they are unable to work due to incapacity for work due to illness or injury while covered by the plan. We offer a range of flexible and voluntary protection services that can be tailored to your budget and system. Gives your employees the choice, within the agreed limits, to choose the coverage that suits their needs. In some cases, an employee may not be able to return to work before the deferred period has expired. In these circumstances, if the medical information meets our policy definition, we will begin paying you monthly in arrears. We will continue to pay the benefit until the employee`s illness or injury no longer meets the legal definition of incapacity for work, leaves the employment relationship, or reaches the age we have agreed with you to terminate payment of benefits. It is your responsibility to deduct income tax and a social security contribution before a benefit is paid to the employee. Select different performance levels for defined groups of employees. For more information, see our Group Income Protection Guide (804kb pdf) and our Group Income Protection Sales Aid (724kb pdf) aim to provide your clients` employees with a regular income when they are unable to work due to long-term illness or injury. Includes rehabilitation support to help employees return to work if needed.
For more than 85 years, we`ve been protecting the companies that turn to us to protect their most valuable asset, their employees. Our range of group protection products is designed to provide financial and emotional support in the event of illness and bereavement. Our products can help employers support their employees with an additional range of wellness support that is provided as standard. Your income is insured if you have an accident or become ill and need to be released from work continuously for 4 weeks or more. The maximum payment you can receive is based on 60% of gross income and is capped at £2,000 per month. This is the maximum equivalent payment for an annual gross income of £40,000. If you earn more, your monthly payment will be capped at £2,000. groupprotection.benefitsmanagement@landg.com0345 072 0758The lines are open Monday to Friday from 9 a.m. to 5 p.m. Flexible income protection that helps cover loss of income.
Group income protection is intended to provide income to an employee if they are unable to work long-term due to illness or injury. Provides regular income when an employee is unable to work due to a long-term illness or injury. Early intervention services can help employees get back to work faster. We are committed to providing SMEs with access to a wide range of collective protection products through sustainable pricing and valuable support services as standard. Designed to financially protect your clients against the unexpected costs of a pension fund member who retires early for health reasons. Almost half of households perceive the loss of income as one of their biggest concerns if they are unable to work. Income protection insurance can give you the security you deserve. A loss of income could have a real financial impact on a family`s lifestyle, and income protection insurance is designed to meet the needs of people who want to protect themselves by paying a regular monthly amount. Flexible, voluntary benefits can help an employee develop a customized benefits package that meets their needs.
Your client can offer their employees a number of group protection benefits to choose from. Provides income when an insured employee is unable to work long-term due to illness or injury. To help an employee return to work, we can offer early intervention and rehabilitation, if necessary. As the UK`s leading provider of group protection insurance with 90 years` experience and knowledge, we offer group life insurance, group critical illness insurance and group income protection for SMEs with 10 employees to businesses with thousands of employees. For more details on our coverage and how we assess claims, please see our Group Income Protection Technical Guide PDF file: Group Income Protection Technical Guide PDF size: 835 KB. Get extra protection with critical illness insurance, which can be added at an additional cost when you purchase your life insurance. Assistance with debt management, tax matters, litigation, consumer disputes, property or neighborhood rights. The absent employee must complete a declaration from a member of Group Income Protection PDF file: Declaration of a member of Group Income Protection PDF size: 203KB. (We may request additional medical evidence, if we do, we will pay the cost of any examinations we request). Our products offer more than a financial payment.
Wellness support can help employees: From mental health training for supervisors to clinical assessment and return-to-work planning, we know the importance of early action to support mental health in the workplace. Employer and employee pension contributions can also be covered, up to a total of £75,000 per year. In addition to financial support, we want to help you cope with long-term absenteeism due to illness. Guidelines may include rehabilitation to help employees return to work. A health and wellness app for employees that can help them manage issues that affect their mental, financial, social and physical well-being. Simple coverage that provides a monthly benefit if you are disconnected from work due to illness or injury. The benefit is paid after a waiting period of 4 weeks and paid monthly in arrears. Premiums start at just £6 per month, depending on the cover you need. Get a simple online quote today without talking to a financial advisor. The benefit for which the employee is insured cannot exceed £350,000 per annum. Designed to keep employees healthy and happy at work, our EAP is available to employers at no additional cost. This comprehensive Health Assured support is available to all client employees who are insured with us, even if the policy does not specifically cover them, and is available 24 hours a day, 365 days a year.
When we receive the notice of absence form, we will contact the employee and ask them to complete a declaration of membership. The employee can complete it online if their personal email address is provided to us on the absence notification form. Provides a tax-free lump sum when an employee is diagnosed with a specific critical illness. Includes access to a range of practical, emotional and medical support. All recommended treatments are funded by us without the need for a referral from the GP and at no additional cost to the employer or employee. Appropriate occupation – illness or injury prevents the employee from performing work that is consistent with their experience, education or training. 2 out of 5 households have less than £1,000 in savings. In fact, 1 in 5 have no savings.
The average household has £2,729 in savings. However, the amount needed to feel financially secure is £12,207. You can buy our health and injury insurance directly from us. If you think this simple coverage option meets your needs, you can get a quote without talking to a financial advisor. If medical treatment is not required, the team may refer the employee to other supports, such as the Employee Assistance Program or a specialized charity. An award-winning physiotherapy provider with a national network of 780 physiotherapy clinics and over 2,500 physiotherapists. Employees are medically insured if their coverage exceeds the free limit. Temporary coverage of up to 90 days is available during medical underwriting under certain conditions. The sum of an employee`s benefits plus pension contributions may not exceed 80% of his or her income from the system. For most of us, being unable to work for medical reasons would be a serious financial challenge. What would happen to you or your loved ones if you couldn`t work because of an illness or injury that resulted in a loss of income? How would you cover your unpaid bills such as rent, mortgage or other living expenses? Qualified nurses are available to provide medical information and practical advice on a range of medical or health issues. Once all the information has been received, the application will be reviewed.
We have our own rehabilitation team, all of whom have medical training. These include occupational medicine specialists, occupational therapists, registered nurses and physiotherapists. For larger systems, we also offer your own career change to a suitable profession. Tailor-made requirements can also be taken into account. As part of our benefits, we offer a comprehensive employee assistance program that helps employees cope with problems and events in everyday life. Health and injury insurance can only be purchased online, but our call center agents can help you with any questions you may have before applying. Own profession – illness or injury prevents the employee from performing tasks essential to their role. Daily work activities – the employee meets our definition of incapacity for work in at least four areas of daily working life. The team provides end-to-end service. They work with the employee at the beginning of their absence and stay in touch throughout the treatment to ensure a smooth transition to work. The employer is kept informed throughout the process. Available without advice if you clearly know your coverage needs.
It is only when the care of a loved one`s elderly needs to be considered that the care system is confusing and very complex. To support employees during this often emotionally charged and stressful time, we introduced Care Concierge. This telephone service and online care service platform provides employees with access to a care expert who inquires about a loved one`s future care needs.
