ENGINEERS & SURVEYORS

DAY ONE & DEFERRED PERIOD INCOME PROTECTION PLANS

INCOME PROTECTION FOR

ENGINEERS & CHARTERED SURVEYORS

Income Protection cover provides you with a replacement income in the event that you become unable to work due to accident or illness. This is particularly relevant for Engineers & Surveyors who are for the most part self-employed and have little safety net. Your benefit will last for as long as you are unwell, right through to retirement age. You can choose to cover yourself from Day 1 or a deferred period of time.

Omega's unique Day 1 policy options (through DG Mutual) provide cover from the very first day of illness, meaning that not only are the larger issues covered, you will also be able to claim a benefit for any minor illness or injury from day one, no waiting period.*

I would recommend every professional to seek income protection, because you never know what lies ahead.

- Dr Emma O'Hara 

NO DEFERRAL PERIOD - COVER FROM THE FIRST DAY

ALL ACCIDENTS & ILLNESSES COVERED (except pre-existing)

TAX RELIEF ON PREMIUMS AT THE MARGINAL RATE

100% CLAIMS PAID SINCE INCEPTION

*in relation to the current pandemic, COVID-19  and some respiratory illnesses cannot be covered for new members (since 1st April 2020)

1 IN 7 CLIENTS CLAIMED ON THEIR INCOME PROTECTION POLICY IN 2018

Just over 1 in 7 Day One income protection clients  including Engineers claimed on their income protection policy in 2018 compared to 1 in 8 the previous year, marking a significant increase.

Across the professions, the rate of claims for accidents and injuries rose to 10% with numerous fractures to fingers and ankles reported. This of course renders most professionals unable to attend work until a full recovery has taken place.

 

Unfortunately there was a noted increase in cancer-related claims, accounting for 5% of the total claims paid.

 
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Dr Vladka Vilimkova

Dr Vladka was diagnosed with cancer in late 2012 and has undergone four extensive surgeries since. Unfortunately the treatments have resulted in a significant loss of arm/shoulder mobility, rendering her unable to work for the foreseeable future. Vladka’s Income Protection policy has provided her with a weekly income since her first diagnosis and will continue to do so as long as she is unable to work.

Read more here >>

Dr Emma O'Hara

When I applied for income protection in 2013, I was in perfect health. Then suddenly I found myself laid up with broken bones from a serious car accident. I had barely paid my first premium, but Omega honoured their word. I never had to worry about payment, and the claim form was simple and quick. It was one major headache I didn’t have to deal with. I would recommend every professional to seek income protection, because you never know what lies ahead.

Simon Coughlan

I like to keep fit and healthy and it is rare that I am unable to work due to illness. However in recent months I have claimed on two occasions for 2 days of lost income as a self employed business owner. The claims process was swift, DG kept me informed and the claim was paid within 7-10 days. Overall I have found the support provided by DG and Omega Financial to be excellent and would recommend highly.

Seamus Ryan

As a general dental practitioner who owns a mixed private/GMS practice I thought it was essential to have Day One income protection against a rainy day. Practices have so many hidden costs that a considerable down time would put real strain on the every day running of the practice so I felt Day One protection was essential. Covid-19 was one of those down times. Overnight the practice shut its doors and all sources of income were lost.

Read more here >>

Omega Financial Management

Suite 31 The Mall

Beacon Court

Sandyford

Dublin 18

Eircode: D18 FK12

Tel:      01 293 8554

Fax:     01 293 1948

Email: info@omegafinancial.ie

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Registered in Ireland Reg Number 349635