Bright Grey: Business Protection Plan - Income Cover for Sickness

• Businesses insuring one or more people aged 18 to 59

Period of cover

• Minimum 5 years
• Maximum 40 years

Maximum amount payable

• 50% of pre-tax earnings
• Maximum £6,250 a month
• Maximum £1,000 per month if not working

• Normal occupation
• Limited cover for non-workers and some occupations
• Reduced benefit if return to normal work on part-time basis
• Reviewable
• Cover during unemployment
• Ends at retirement age 64

Benefits

• You choose the amount
• State benefits not deducted
• No need to advise change of occupation
• Cover increase option
• Legal and medical helpline
• Career helpline
• Personal helpline
• Personal nurse adviser
• Homevisit from nurse/adviser/therapist
• Back to work services
• Discounted health screening
• Discounted health club membership
• Discounted health products

Options

• Deferred period; 4/13/26/52 weeks
• Increasing cover options