In 2018, one in seven medical professionals clients claimed on their income protection policies, from a few days / weeks to ongoing long-term illnesses. Click here to find out more including the breakdown of injuries and illnesses, award amounts, gender split and more.
If you are self-employed, you can protect your income from the first day of illness – no waiting period. Whether its a short term cold or flu or a longer term serious condition, as long as you are unable to work you will be covered.
Despite the increase level of workplace accidents, DG does not charge a risk loading on vet premiums making it much more cost effective than most providers.
Our tailored cover provides you with the peace of mind that you will be covered if you are unable to work due to accident or illness (up to 66% of your income).
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 can work with your sick pay arrangements to provide a replacement income should you become unwell. 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 Dept of Agriculture 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 DoA 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 took out income protection insurance mainly at the insistence of my wife, to be honest. She said that I was always getting hurt at work, but to me they were just occasional bruises, getting my foot trodden on, nothing serious.
In September 2013, whilst performing an abdominal ultrasound on a horse, I received a kick straight to my knee which resulted in an incomplete tibial plateau fracture. This put me out of work for 3 months. I thought of it as a bad episode and hoped to put it behind me. Unfortunately, there was damage to the distal femur which didn’t heal and I found myself less and less able to walk without pain. After a repeat MRI, I had surgery in September 2014 and this kept me out of work for a further 4 months. Without the support of DG, I would not have been able to feed my young family and I am now very grateful that I heeded my wife’s advice!
- Kevin Corley