Physiotherapists were the largest claimant group in 2016, with one in five making claims on their income protection policies. This is considerably higher than the remainder of our professions, with an average of one in seven claiming in 2016. To read the detailed report including physiotherapist specific claims, awards paid, durations and more, click here.
Despite the higher claims risk, physiotherapists are not penalised when it comes to premium rates with DG. This is of particular benefit to physiotherapists, who are more likely to enjoy active pursuits outside of work. With all injuries covered (bar pre-existing), clients enjoy an extra level of comfort that there is a safety net if the unexpected happens.
If you are a self-employed pharmacist or principle, 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).
Whether it’s a short term cold or flu or a longer term serious condition, as long as you are unable to work you will be covered. The claims procedure is swift and seamless with your first payment arriving within 1-2 weeks of the receipt of your form.
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.
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.
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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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.
- Simon Coughlan