Long-term illness or injury can create uncertainty for employees and significant pressure for employers. Group income protection helps provide a regular replacement income when an employee is unable to work for an extended period, while supporting their recovery and return to work through early intervention and rehabilitation services.
Who we support
Companies of all shapes and sizes
HR professionals
Business owners
Business partners
Employee relations managers
We’re specialists in group income protection
Our specialist employee benefits advisers can help you understand how group income protection cover can deliver valued financial protection to your workforce as part of your overall benefits strategy.
We’ll deliver practical guidance, market insight and ongoing support to help you provide meaningful financial protection, reduce the impact of long-term absence and support employees back to work where possible.
Challenges in your business
Attracting, retaining and supporting talented people remains a challenge in many businesses and industry sectors.
Long-term absence can place financial pressure and obligations both on your business as well as your people, impacting overall operational performance. Without the right support in place, your employees may face financial uncertainty, whilst as an employer, you may need to manage the cost and complexity of absence over a prolonged period.
How we support
A group income protection scheme can provide peace of mind for both your business and your team and enable you to manage absences and long-term sick leave with confidence.   We’ll work with you to design group income protection that fits with your sick pay policy, the level of financial protection you want to provide and your overall employee benefits strategy.
We work in partnership with our clients to understand their objectives, reviewing existing arrangements where appropriate and recommending solutions that support both your business and its people. We can also help you communicate the value of the benefits being provided and highlight the additional services that may be included, such as rehabilitation, wellbeing support and absence management resources.
Your business performs
Providing group income protection can enhance your employee benefits package, support recruitment and retention, and help create a culture that prioritises health, wellbeing and financial resilience.
By offering meaningful support if employees are unable to work for an extended period, your business can help reduce financial pressure, encourage earlier access to recovery support and build a more secure, supported and engaged workforce.
What is group income protection?
Group income protection is an employee benefit that provides a regular income if an employee is unable to work due to long-term illness or injury. The benefit is usually paid after a chosen deferred period and can continue for a set period or until the employee is able to return to work, depending on how the scheme is designed.
As well as providing financial reassurance, cover can include early intervention, rehabilitation and wellbeing services designed to help employees access support sooner and return to work safely where possible. These services may include vocational rehabilitation, mental health support, employee assistance programmes, virtual GP services, absence management guidance and support for line managers.
Providing group income protection can be a valuable enhancement to your overall employee benefits package, helping protect employees’ financial wellbeing while supporting business continuity and workforce resilience.
Key benefits include
- Ongoing income for employees who are unable to work due to long-term illness or injury
- Early intervention and rehabilitation services to support recovery
- Reduced financial pressure on employees and their families
- Practical support for return-to-work programmes
- Guidance that can help employers manage long-term absence more effectively
- Enhanced employee wellbeing, engagement and retention
How can Partners& help with your employee benefits strategy?
Protecting your people. Supporting your business.
At the heart of every successful organisation are healthy, financially secure employees. Through our carefully selected network of leading insurers and healthcare providers, we deliver comprehensive employee benefit solutions that help businesses attract, retain and protect their workforce.
Our expert advisers will work closely with you to understand your business objectives and recommend tailored solutions that provide meaningful support for your employees and their families. We can help you with your overall employee benefits programme, including group income protection, by:
- Reviewing existing cover and identifying gaps, duplication or potential cost savings
- Comparing insurer options and scheme design features
- Bringing awareness to included added-value benefits
- Implementing new schemes where appropriate
- Assisting with employee communication plans
- Supporting start-ups with the right employee benefit solutions
We’ll also explain the tax implications, eligibility terms, underwriting requirements and claims process, helping you make informed decisions and communicate the value of cover with confidence.
Connect to a specialist
Tom Klinkenberg
Managing Partner (Wellbeing, Health & Protection)
