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How does income protection insurance work?

Income protection insurance pays you a regular income if you can’t work due to sickness or disability. The amount is tax-free, and usually based on a percentage of your earnings.

You can make a claim as soon as your chosen deferred period (also known as waiting period) has passed. A deferred period is the period of time you have to be off work before you’re eligible to make a claim. You can typically choose a deferred period of between 14 days and 12 months.

Some policies pay you ‘back-to-day-one’, which means your payments are backdated to the day you stopped working.

People generally arrange for payments to start after their sick pay finishes, or any other forms of insurance or cover ends so they’re not left without a source of income.

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