Omega Financial Management provides tailored Income Protection policies for Consultants and Hospital Doctors across Ireland. Whether you work in the public or private system, or both, we will tailor a specific plan to suit your individual arrangements.
If you are self-employed, Day One Income Protection covers you from the first day of illness – no waiting period. Our tailored policies provide you with a replacement salary for the duration of your illness (up to 66% of your income).
In recent times, the HSE Sick Leave Scheme has been halved, down to three months full pay / three months half. A deferred period plan provides a benefit that commences when your HSE Sick Leave Scheme benefit reduces and ultimately ceases. This ensures a continuance of salary so that you can maintain your standard of living and focus on your recovery.
If you are employed, we will work with any sick payment arrangements you might have to provide maximum salary continuance. A deferred period policy starts when your employer benefit ceases, ensuring that you are covered for every eventuality. Whether it’s a medium term accident / illness or a longer-term serious condition, you will be covered as long as you are unable to work.
We will develop a personalised policy to suit your specific financial situation and requirements. This is done by helping you to work out the level of cover that best suits your circumstances, giving you the peace of mind that you will be covered if you are unable to work due to accident or illness (up to 75% of your income, less social welfare).
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