Group Income Protection

Aims to provide your clients’ employees with a regular income if they cannot work because of long-term sickness or injury. Includes rehabilitation support to help employees back to work where appropriate.

Product details

Refer to our ONIX support page for the limits when applying online.

Minimum policy size

From 3 employees for standard Group income protection policies using ONIX.

Maximum policy size

No maximum.

Types of benefit and limits

The benefit the employee is covered for must not exceed £350,000 a year.

Employer and employee pension contributions can also be covered, up to a total of £75,000 a year.

The total of an employee’s benefit plus their pension contributions, cannot be more than 80% of their scheme earnings.

Employer NI contributions can also be covered.

Plus, we offer an integrated option where the amount we pay is offset against state benefits.

Benefit levels and payment terms

Choose different benefit levels for defined groups of employees.

Benefits can be paid up until the benefit termination age or of a maximum of 2, 3 or 5 years.

Free limit

Typically, up to £120,000 benefit per annum can be covered without the need for medical underwriting. The limit depends on the size of the policy and the benefit choices.

Employees will be medically underwritten if their cover is above the free limit. Temporary cover of up to 90 days is available during medical underwriting, subject to conditions.

Benefit escalation options

No escalation

A fixed rate of up to 5% per year

RPI subject to a maximum of 2.5% or 5%

CPI subject to a maximum of 2.5% or 5%

Definitions of incapacity

Own occupation – an illness or injury prevents the employee performing duties essential to their role.

Suited occupation – an illness or injury prevents the employee doing all jobs that are suitable to their experience, training or education.

We also offer own occupation switching to suited occupation. Bespoke requirements can also be considered.

Employee eligibility

All employees, or those that fit the employer’s predefined eligibility definitions.

Age range

Employees between 16 and 70 can be covered.

Deferred periods

Benefit payments can begin after 13, 26, 28, 39, 52 or 104 weeks of incapacity.

Premium payments

Can be made monthly or annually.



Get a quote

Suitable for Group Life Assurance and Group Income Protection schemes insuring from 3 employees upwards.



Wellbeing support

Designed to keep employees healthy and happy at work, our EAP is offered to employers at no extra cost. Available to all employees of clients who are covered with us, even if the policy doesn’t cover them, this comprehensive support is available 24 hours a day, 365 days a year.

With our Group Income Protection employees can also receive up to eight structured counselling sessions, per employee, per issue if they should ever need it.

Employee assistance programme

Our Employee Assistance Programme (EAP) is a free, day-to-day wellbeing and counselling service that provides in the moment support to employees and their immediate family, 24/7 and 365 days of the year.

Employee Assistance Programme brochure (2.3mb pdf)

Benefits available

Confidential helpline

Employees can speak in confidence to experienced counsellors and advisers for friendly, non-judgemental support and information, 24 hours a day, 365 days a year. It’s accessible worldwide by phone, WhatsApp and SMS.

Day-to-day information services

Help with a range of topics, such as finances, career coaching, consumer advice,  relationship mediation and much more.

Legal information service

Legal issues can be worrying, so it makes sense to get free initial information from a trained legal professional. The EAP can put employees in touch with solicitors who can help with a wide range of issues.

Medical helpline

Whether employees are looking for a sympathetic ear or practical guidance, they can speak to a qualified nurse about a range of medical or health-related issues.

Employee app and platform

Employees get much more than just an ordinary EAP. Our platform and app provides total wellbeing support through a whole host of health and wellbeing tools and resources to help employees be well, stay fit, remain healthy and in work.

Employees have access to a digital gym, fitness and nutrition plans with hundreds of recipes, weekly podcasts, our monthly wellbeing webinar series, mental health e-learning, high street shopping discounts and much more.

Employer support
  • Management information about the EAP service.
  • Account management support for schemes with more than 1,000 employees to help promote the EAP.



Support Services

Through our partnership with Medigo - a leading provider of local and international healthcare services with a network of over 1,100 hospitals and clinics in 35 countries across the globe, we provide employees covered by our group income protection, a wealth of medical support services when its needed most.

1. Second Medical Opinion

The Second Medical Opinion service provides the employee we’re covering, and their immediate family, access to a global network of medical specialists. The specialist will offer second opinions on diagnoses and treatments for almost any condition, allowing them to understand the potential impact of their condition and evaluate the most appropriate clinical pathway for their needs. Second Medical Opinion helps to:

  • Avoid unnecessary treatments
  • Improve treatment outcomes
  • Provide peace of mind
  • Empower individuals to make informed choices on their healthcare

Typical specialities covered are Oncology, Neurosurgery, Orthopaedics, Cardiology, Gynaecology, and Paediatrics.

A MEDIGO Second Medical Opinion offers a complete written evaluation of a patient’s medical history and diagnosis based on their available medical reports; diagnostic imaging, test results, etc.

A specialist doctor (or a team of specialist doctors) from a leading medical institution with expertise in the diagnosis and treatment of the specific disease will either confirm the diagnosis and/or treatment plan or recommend a different diagnosis and/or alternative treatment plan(s) based on the latest advances in modern medicine and global standards of treatment for their condition.

To access the Second Medical Opinion service, the employee we’re covering can call 020 3871 8760 or by registering online by visiting our portal page.

Care Concierge

Provided by Legal & General Health and Care

Only when elder care for a loved one needs to be considered does the realisation set in that the long-term care system is confusing and very complex. To support employees during this often emotionally charged and stressful period, we’ve introduced Care concierge. This telephone service and the online care service platform, provides employees with access to a care expert for guidance about a loved one’s later life care needs.

More about Care Concierge


Making a Group Income Protection claim


Notify us about a claim

Claims can be made by completing our online Absence Notification form


Member statement

When we receive the Absence Notification form we will contact the employee and ask them to complete a Member Statement. The employee will be able to complete this online if we are provided with their personal email address on the Absence Notification form.


Claims management and support

Where appropriate we will refer the claim to our in-house clinical team to assess what support we can provide to facilitate a return to work before the end of the deferred period. We will provide updates throughout the process.


Claim payments

In some cases, an employee may not be able to return to work before the end of the deferred period. In these circumstances, provided medical information supports the absence and the claim meets the definition of incapacity on the policy, we'll start to pay benefits monthly in arrears to the employer.

We'll continue to review the employee’s condition regularly to make sure the claim continues to meet the definition of incapacity on the policy, to understand if any support can be provided to facilitate a return to work and to enable us to continue to provide regular updates to the employer.


Claims queries
0345 072 0758
Lines are open from 9am to 5pm Monday to Friday

We may record and monitor calls.

Need help?

Adviser Toolkit

Access to webinars and videos, information about claims and renewals and useful market insights.

Document library

Literature and forms for our group protection products in one place.

Our products

Group Life, Group Critical Illness and Group Income Protection for businesses large and small.

Contact us

General queries 
0345 026 0094

Lines are open from 9am to 5pm Monday to Friday.

We may record and monitor calls.