Group Income Protection

Financial and wellbeing support to help manage employee sickness absence

Group Income Protection

Designed to provide employees with a regular income if they cannot work because of long-term sickness or injury. Includes rehabilitation support to help employees back to work where appropriate, at no extra cost.

Key documents

Group Income Protection Client Brochure pdf 834.87 KB

Group Income Protection Technical Guide pdf 5.88 MB

Group Income Protection Employee Brochure pdf 1.13 MB

Group Income Protection Welcome Guide pdf 10.32 MB

Reasons to buy income protection

Supports your duty of care

From day one, your employees have access to wellbeing services designed to keep them engaged and productive.

Reduce the impact of long-term absence

Structured return to work support through our comprehensive rehabilitation services can help employees back to work sooner.

Helps attract and retain great employees

Stand out from the crowd by showing that you take your employees’ wellbeing seriously.

Features and benefits

For employers

Mental Health training for line managers and HR
Early intervention advice through our Be Well Helpline
Individual return to work plans for each employee where needed
A wealth of resources in our Be Well Hub
Support with communicating benefits to employees
Management information about the Employee Assistance Programme
Wellbeing Advisory Board for expert advice about health and wellbeing issues.

For employees

Regular financial payout through your company’s payroll. Payments are made to your organisation for distribution to the employee
Access to Spark: Your digital home for health and wellbeing

Single point of access to all wellbeing services, available 24/7
24/7 in the moment support through the Employee Assistance Programme
24/7 virtual GP and advanced nurse practitioners, plus online physiotherapy
Children’s mental health support
Second medical opinion
Cancer awareness and support
Long-term condition support
Wellbeing resources – nutrition planning, wellbeing podcasts, digital gym and much more
Adult and elder care
Financial and legal helpline

Spark: the digital home for employee health and wellbeing

Spark is our all-in-one single point of access that empowers employees to take charge of their health and wellbeing– whether that be physical, mental, family, financial and legal – with a wider range of services than ever before.

Product details

For policies of three employees or more

Who can be insured?

You can choose different benefit levels for defined groups of employees.
Benefits can be paid up until the benefit termination age or for a maximum of 2, 3, 4 or 5 years.

How much can they be insured for?

The maximum cover for an employee is £350,000 a year.
Employer and employee pension contributions can also be covered, up to a total of £75,000 a year.
The total cover for an employee’s benefit plus their own pension contributions, cannot be more than 80% of their scheme earnings.
Employer NI contributions can also be covered.
Plus, we offer options where the amount we cover includes deductions for state benefits.
You can also choose to increase benefits by a fixed rate up to 5% each year, or the Retail Price Index (RPI) or Consumer Price Index (CPI) by up to 5% each year.

Our technical guide (1.7mb pdf) can help provide more details about the cover, the options, the exclusions and how claims are assessed.

Is there any medical underwriting?

Typically, we can provide cover for each employee for up to £180,000 per year without the need for medical underwriting. The limit depends on the size of the policy and the benefit choices.
Employees will be medically underwritten if their cover is above the ‘free limit’. We can provide cover temporarily for up to 90 days whilst medical underwriting is completed, subject to conditions and criteria.

Make a claim

Get in touch about a claim as soon as possible, so we can offer support to employees from day one of their long-term illness or injury. The sooner we’re involved and where appropriate, arrange suitable support for them, the more likely they could be able to return to work.

Need help?

Employer toolkit

Extensive resources in our Be well hub, plus your toolkit for communicating to employees and support for small and medium sized businesses (SMEs).

Document library

Literature and forms for our group protection products in one place.

Our products

Group Life, Group Critical Illness and Group Income Protection.

Contact us

Employer queries

Group.protection@landg.com

0345 072 0751

Lines are open from 9am to 5pm Monday to Friday.

We may record and monitor calls.