Wellbeing support - Group income protection

In addition to the EAP, those employees who are included in the policy will also have access to a virtual GP service 24/7.

Provided by Teladoc Health, the Health365 app enables employees to book an appointment with a GP via phone or video. It’s designed to be just as effective for many concerns as the traditional face-to-face appointment your employees would have with their own GP. The Teladoc Health services are available to employees covered by our Group Income Protection and their immediate family members*.

The service also includes adult single session mental health therapy, which is provided by Teladoc Health’s clinical psychologists with specific training in this practice and in child consultations.

An online physiotherapy service which offers quick and easy access to highly qualified physiotherapists is also provided through the app.

The three services along with the facilities through the Spectrum.Life app and CONNECTPlus app, form our Virtual Clinic.

*Immediate family includes partner or spouse or registered civil partner and children up to the age of 18 years old or up to the age of 21 years old if in full-time education where the employee is the parent or legal guardian. Children aged under 18 will need to be added to a parent’s account to register them.

For more information visit our Virtual Clinic page.

CONNECTPlus is also available to HR and line managers to enable them to better understand their employees’ situation and the support that they might require.

Only when adult 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 free resource provides employees with access to a care expert for guidance about a loved one’s care needs.

More about Care ConciergeMore about Care Concierge

When a Group income protection policy is taken out with Legal & General employees can take advantage of discounts and offers from selected Legal & General products.

Individual life insurance

An employee can take out personal life insurance which will pay a cash sum to their family if they die whilst covered by the insurance.

• 10% discount off our life insurance premiums plus
• £30 M&S Gift Card

To get a quote, employees can call 0800 008 3174, using offer code DISERV.

Lines are open:

8am to 8pm Monday to Friday
9am to 5pm on Saturday

We may record and monitor calls. Terms and conditions apply.

Later life mortgages

A later life mortgage is a loan secured on an employee’s home. These types of mortgages are for homeowners aged 55 and over.

When an employer has a group protection policy with us, their employees can receive a £250 Love2shop gift card if they receive financial advice from Legal & General Financial Advice Limited and successfully complete one of our later life mortgages. Terms and conditions apply.

Employees can find out more and apply for a later life mortgage by visiting our employee site.

We’ve brought together a group of experts from a range of clinical, occupational and vocational rehabilitation fields, as well as business consulting, to work together on the important health and wellbeing issues facing employers and their employees today.

Whether an employer is looking for guidance or have an employee facing a health issue, we can help.

Wellbeing Advisory BoardWellbeing Advisory Board

Early intervention not only improves outcomes for the health and wellbeing of employees but can help protect the cost of future premiums by decreasing the chances of cases going to claim.

Many companies don’t know where to turn for advice when an employee is struggling. Our Be Well Helpline will provide early intervention advice and support to help HR and Line Managers proactively manage employees who are showing signs of stress or struggling to carry out all their duties.

If an employee needs treatment, our vocational rehabilitation is focused on providing suitable intervention for employees at the earliest opportunity so we can aid their recovery and support them back to work.

We work with the employer and the employee throughout rehabilitation to support access to suitable treatment. Early intervention works best if we are notified between weeks two and four of an absence.

• Our in-house vocational rehabilitation team will be in touch with an employee within two working days.
• Following an assessment, if treatment is recommended, we will contact our specialist healthcare partners to arrange it.
• Our healthcare partners contact the employee within two working days and arrange treatment to take place within five working days.
• A treatment plan is put in place and support for returning back to work.

A guide to our early intervention services (2.6mb pdf)

In-house clinical team

We have our own in-house clinical team who are all medically trained. They include occupational health specialists, occupational therapists, registered nurses and physiotherapists.

Our focus on expert care for the employee aims to reduce the length of absence enabling a quicker return to work which is a great support for businesses and the reason many employers choose to work with us.

The team provide an end-to-end service. The clinician works with the employee at the beginning of their absence and the team stays in touch throughout their treatment to facilitate a smooth transition back to work. Employers will be kept up to date throughout the process.

Acting as expert mediators, our in-house team develop a tailored care pathway and a bespoke return-to-work plan with both the employer and their employee without the need for a GP referral. Any treatment we recommend is funded by us, with no additional cost to employers or employee.

For very complex cases, a roundtable of experts assess an employee’s requirements and recommend the most appropriate course of treatment. This integrated approach, managed by specialists, lays the foundations for the best outcomes.

Where medical treatment isn’t necessary, one of the team might signpost the employee to other support, such as the employee assistance programme or a specialist charity.

Full range of vocational rehabilitation services

Available through our Group income protection when a claim is accepted

Provided by MEDIGO.

For those employees covered by our Group Income Protection and their immediate family members*, the second medical opinion service provides access to a global network of medical specialists from a wide range of specialities. The specialist will offer second opinions on diagnoses and treatments for almost any condition, allowing the employee to understand the potential impact of their condition and evaluate the most appropriate clinical pathway for their needs.

Second opinion helps to:

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

This service is not available for existing chronic conditions, mental health problems, or General Practitioner-related services. A maximum of two second medical opinions per household, per calendar year.

*Immediate family includes spouse, partner, registered civil partner and children from birth to age 24 in full time education and who are living in the same household.

Provided by MEDIGO

Medical concierge offers access to privately paid for treatment in the UK or overseas. This service can help employees covered by our Group Income Protection and their immediate family members*, to focus on their health whilst the Case Manager co-ordinates the treatment plan.

The medical concierge service will:

• Review the employee’s proposed treatment plan and supporting medical documents
• Interview them to determine the desired treatment options, preferred location of treatment (UK or abroad), and treatment budget
• Search and present up to three quotations for treatment
• Book the treatment with the chosen provider (UK or abroad)
• Provide telephone support throughout the period of treatment
• Support with arrangements including flights, ground transport, accommodation, and interpreter services if needed

*Immediate family includes spouse, partner, registered civil partner and children from birth to age 24 in full time education and who are living in the same household.

Provided by MEDIGO

The diagnosis of a health condition or injury can be an unsettling time. That’s why MEDIGO’s professional and personalised Nurse Support Service will be on-hand to provide a virtual service by offering practical, emotional support to employees if they receive a referral from a GP to a clinical specialist. The nurses provide on-going care every step of the way during the illness for employees covered by our group income protection and their immediate family members*.

No question is too big or too small. The team can help the employee with many issues:

• Have they been given a diagnosis that they’d like to talk through?
• Have they been given some results that they don’t understand?
• Have they booked a break away and realised they’ve left their medication at home?
• Do they need practical support finding medical equipment or accessories to aid their recovery or help them cope with their condition?

*Immediate family includes spouse, partner, registered civil partner and children from birth to age 24 in full time education and who are living in the same household.

The service is not available for existing chronic conditions, mental health problems, cosmetic procedures or General Practitioner related services.

CONNECTPlus

A downloadable app that supports the large and growing number of employees with one or more long-term health conditions including:

• Cancer
• Stroke
• Multiple sclerosis
• Type 2 diabetes
• Rheumatoid arthritis
• Long covid

CONNECTPlus also provides tools and resources for employees to help manage their general health as well.

The app is available to all employees covered by our group income protection policy and their immediate family*. It provides interactive access to clinically approved information and tools with the ultimate aim to empower the individual to look after themselves more effectively - both at home and in the work environment.

*Immediate family includes spouse, partner, registered civil partner and children from birth to age 24 in full time education and who are living in the same household.

More about CONNECTPlusMore about CONNECTPlus

For employees who can’t return to work because of long-term sickness or injury, we pay out a regular income to help financially support them through a difficult time.

Payment is made through the employer's payroll for distribution to the employee.