Statutory Requirement
  • Government disability payment for people with a long-term physical or mental health condition or disability.
  • Government incapacity payment for people who have made National Insurance contributions.
Market Median
  • 50% to 70% of pre-disability salary
  • Limited to 5 years
  • Cover excludes national insurance and pension contributions
Market Leading
  • 75% of pre-disability salary
  • Limited to 5 years or until state pension age
  • Cover includes national insurance and pension contributions