HSE Income Protection Benefits

Share the Post:
HSE Income Protection
HSE Income Protection

The current Health Service Executive Income Protection Scheme was introduced on 31st March 2014 and provides employees who are absent on sick leave up to a maximum of 3 months on full pay, followed by 3 months on half-pay.

These provisions apply to all health service employees (both officers and support staff grades). Also under the rules of the scheme, no HSE employee can get more than 183 days or 6 months sick leave benefits in any 4 years.

Temporary Rehabilitation Remuneration

HSE staff may also be eligible for a payment called Temporary Rehabilitation Remuneration (TRR), where a person on sick leave has used up their entitlement to sick leave benefits at full and half pay, noting that HSE management has the discretion to approve or refuse TRR on a case-by-case basis.

If approved, TRR is paid at 37.5% of your salary. It is calculated using your basic salary, pensionable allowances, and unsocial hours payments you earn. TRR pay may be paid for up to 18 months in a rolling 4-year period, which in effect means that you could with management sign-off, have some level of protection for up to 2 years.

With more pressure than ever on our amazing dedicated Surgeons, Doctors, Physiotherapists, Nurses, and all HSE staff, such people need to address their financial health as well as their mental, emotional, and physical well-being.

How to Supplement the HSE Sick Pay

Private Income Protection insurance can be used to supplement the benefits provided by the HSE, allowing you to protect up to 75% of your normal basic pay (less state benefit if applicable) on an ongoing basis right up to retirement age. (Employees recruited after 6th April 1995, pay Class A PRSI meaning that they are eligible for State Disability Benefits).

This private insurance can be set up to kick in after 6 months to bridge the gap in helping you protect your income on an ongoing basis should a claim occur. So, if you fall sick and can’t work, in the first 3 months the HSE will provide you with full pay followed by half pay for the next 3 months, and then your private insurance can take over, with any TRR benefits factored in against the maximum private income benefit of 75% of your basic salary.

Bridging the Gap and Extending your Protection

We will work with the sick payment arrangements you might have, to provide maximum salary continuance. A deferred period policy starts when your main 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 right up to retirement age, as long as you are unable to work.

How Private Income Protection Insurance Works

You pay a monthly premium to the insurance company, the cost of which will depend on your salary level, age, and your spefific occupation. Different HSE occupations are given different risk levels by the insurance company, with more manual occupations considered higher risk and therefore being a little more expensive in terms of the insurance premium. Although Income Protection has 4 risk classes, most HSE occupations will fall under risk classes 1-3. Below is a general indication of HSE occupational classes:

Risk Class 1 – HSE Occupations

  • Administrator
  • Occupational Therapist
  • Doctor/Consultant
  • Dentist
  • Cardiologist
  • Obstetrician
  • Dietician
  • Gastroenterologist
  • Psychologist
  • Radiographer
  • Pathologist
  • Speech Therapist
  • Surgeon


Risk Class 2 – HSE Occupations
Nurse Manager

Risk Class 3 – HSE Occupations
General Nurse
Social Worker

Risk Class 4 – HSE Occupations
Psychiatric Nurse

Getting an Income Protection Quote

Before you can get an income protection quote, you need to provide your occupation and confirm the cover term e.g. to age 60 or 65 . You also need to decide whether you want to inflation protect your benefits including during a claim.

Income Protection Tax Treatment

As Income Protection insurance is designed to replace up to 75% of your usual income, the benefit is paid in the same way as your normal salary and is taxed under PAYE as normal. The cost of providing this insurance known as the monthly premium is therefore eligible for full income tax relief.

To claim the income tax relief against the monthly premium you will receive a tax certificate with your policy document, to allow you to adjust your tax credits.

In addition to the income protection premium tax relief, here at One Quote Financial Brokers, we grant online premium discounts to all HSE staff income protection quotes.

HSE Income Protection – Why choose OneQuote.ie?

  1. We are financial brokers who fully compare the market, we offer full-term discounts on the best market plans, and our always cheaper than going direct to an insurer.
  2. You can choose to automatically index your benefits and premiums.
  3. We offer you the opportunity to increase your original benefit by up to 20% every 3 years without requiring you to supply further medical evidence.
  4. A daily replacement income is paid if you are in hospital for more than seven days during your deferred period.
  5. Your Income Protection will continue to cover you if you change jobs, regardless of what your new job entails.
  6. 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.
  7. You will not have to pay your premiums while you are receiving an income benefit. During this time, your plan continues as normal, so that if you do return to work and at some stage in the future need to claim again your plan reamains unchanged.
  8. If you decide to work abroad, your coverage can continue as long as you keep paying your premiums. You can get coverage for working within the EU, Switzerland, USA, Canada, Australia, New Zealand, and South Africa.

HSE Income Protection – What to do Next?

If you are HSE staff and concerned about protecting your income, then get a quote by phone by calling 01 845 0049.

Ken O’Gorman – QFA, SIA, CB
OneQuote.ie | Smart Financial Protection

Share the Post:

Related Insights