getMY : Income Protection

Product profile

Description 

Designed to protect you against a loss of income in the event you are unable to work through disability (accident & sickness) or unemployment.

Being unable to work - whether through unemployment, illness or injury, or to become a carer - is distressing enough, without the extra worry of how you are going to pay your bills.

This policy not only provides the reassurance of covering your monthly outgoings but also provides 'Back to Work' assistance; a free, independent and confidential telephone advice service offering guidance on getting back to work.

For 

• Aged 18 to 64
• Employees and the self-employed
• Part-time and contract workers

Maximum amount payable

• £1000 a month
• 50% of gross salary

Basis of cover

• Normal occupation

Benefits

• You choose the amount

• Carer benefit

• 'Back to work' assistance

Not covered

• Any chronic or continuing medical condition you already have

• Any medical condition which occurs in the first 24 months of the policy as a result of any medical condition for which treatment had been given or diagnosis commenced during the 12 months before the start date

• Normal pregnancy or childbirth

Options

• Accident, sickness (disability) & unemployment

• Accident & sickness (disability)

• Unemployment only

• 6 or 12 monthly benefits

• Waiting excess days 30/60/90/120

Last updated: 31 October 2008