Income Protection

Long and short term income protection cover available

Income protection insurance can also be known as income replacement insurance, Accident insurance, Sickness insurance, disability insurance or unemployment insurance depending on the type of cover you are looking for. At protect your bubble we offer two types that can be purchased independently or together depending on your needs.

Unemployment and Income Protection (Sickness) Cover - Short Term Policy
With Protect your bubble our competitive Unemployment and Income Protection Insurance helps to cover your financial outgoings for up to 12 months in the event that sickness, accident or unemployment prevents you from working. You can be covered for up to 60% of your gross monthly salary up to a maximum benefit of £1,500 a month in total.

Income Protection (Sickness cover) - Long Term policy
With Protect your bubble's Income protection (accident and sickness only) benefit is based on a maximum of 65% of your annual personal taxable income up to £60,000 plus 40% of any income above this. Should you be prevented from working following an illness or accident you will receive a monthly income until you are able to return to work, retire or the insurance policy comes to an end.

If you were to select this cover type you can also choose from different ‘deferred start periods'- If you benefit from employer sick pay arrangements, you may not need your benefit payments to begin right away. You are in control of when you want them to start, and the longer the deferred period, the cheaper your monthly payments. You can of course choose back to day one cover. With this type of cover benefits will be paid from your first day off work, if you are still unable to work at the end of the wait period.

Combined Short Term and Long Term Income Protection
This policy is a combination of both the above Accident, sickness and unemployment and Income Protection policies.

If you select both policies to work in conjunction with each other the short-term policy (unemployment and sickness insurance) will commence from day 1 (You can not make an unemployment insurance claim for the first 120 days of your policy). The Long Term policy will be deferred by 52 weeks so you will be able to claim on your long term policy immediately after your short term policy expires (subject to meeting the insurer’s eligibility criteria).

Prices from 76p a month (per £100 of benefit a month)

Protect your Bubble’s great value income protection is competitively priced – from just 76p a month per £100 of benefit a month on the short term insurance.

Back to work support package

If you do make an unemployment claim on your policy you will be provided with ‘Back to Work' support which includes a CV review service and employment workshops.

Back to day 1 cover available

If you were to select our Long term income protection insurance you can choose from different ‘deferred start periods'- If you benefit from employer sick pay arrangements, you may not need your benefit payments to begin right away. You are in control of when you want them to start, and the longer the deferred period, the cheaper your monthly payments. You can of course choose back to day one cover. With this type of cover benefits will be paid from your first day off work, if you are still unable to work at the end of the wait period.

Cover up to 60% of your gross monthly income

With Protect your bubble our competitive Unemployment and Income Protection Insurance (short term policy) helps to cover your financial outgoings for up to 12 months in the event that sickness, accident or unemployment prevents you from working. You can be covered for up to 60% of your gross monthly salary up to a maximum benefit of £1,500 a month in total.

With Protect your bubble's great value Income protection (accident and sickness only) benefit (long term policy) is based on a maximum of 65% of your annual personal taxable income up to £60,000 plus 40% of any income above this. Should you be prevented from working following an illness or accident you will receive a monthly income until you are able to return to work, retire or the insurance policy comes to an end.

£1 from every policy goes to charity

Protect your bubble donate £1 from every income protection policy sold to the Adventure Unlimited charity.
Adventure Unlimited enriches the lives of children and young people, especially those who are disadvantaged, through outdoor activity and adventure run by unemployed adults and young people. Their work, with over 6000 children with and without special needs each year, changes lives for the better. Children learn to get on with people in a group, develop respect for the environment and become healthier and more confident. Adults gain confidence, qualifications and skills, helping them, often for the first time, into employment. This has a direct impact on the communities they live in, creating a cycle of positive engagement and development.

Reg. Charity No. 1089049

www.aultd.org/