Income Protection is an insurance policy designed to provide you with a regular income if you’re unable to work because of illness or injury, subject to the policy’s terms and conditions.
Rather than paying a single lump sum, it replaces part of your regular income as a monthly benefit, helping you keep up with important living costs while you’re unable to work.
For teachers, some insurers offer features specifically designed around teacher sick pay arrangements. These can allow Income Protection payments to work alongside the reduction in your sick pay, rather than simply waiting until your employer’s sick pay ends completely.
We’ll consider whether features like these are available and appropriate when looking at your options.
