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 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, for a maximum of 90 days.

The Back to Work Benefit will help with your finances when you return to work after a minimum period of one year. You’ll get 50% for the first month back to work and 25% of the income protection benefit in the second month.

If you select this option and your income falls during the term of your proposal, New Ireland will pay you the higher amount agreed at the outset should you need to claim.

Unlike many other providers who refuse to pay out if you are unemployed at the time of claim, we will consider you under our Essential Activities Benefit, which will pay you an annual amount of 15,000 a year should you meet certain criteria. Your premium will reduce in line with the reduced benefit. If you return to full-time employment within 12 months, you can re-instate your income protection benefits without having to provide new medical evidence.

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.