You will not have to pay your premiums while you are receiving an income benefit. During this time, your policy continues as normal, so that if you do return to work and at some stage in the future and need to claim again your plan has continued unchanged.

A daily replacement income is paid if you are in hospital for more than seven days, during your deferred period.

Your Income Protection Plan will continue to cover you if you change jobs, regardless of what your new job entails.

We will immediately restart your benefit if you have a relapse within six months of returning to work – there will be no waiting period in this case.

If you return to work part or full-time either in your old job or a new career, and your new earnings are less than previously earned, you may be eligible to receive a partial benefit.

This option allows you to increase your income benefit by 20% of your original amount without having to provide new evidence of health. This offer will be made to you every three years, five times over the life of your policy, allowing you to increase your benefit by 100% of the original benefit amount.