For groups of 3-19 employees
- World-wide area of cover
- Long-term disability insurance protection up to 75% of salary (up to 80% salary in the UAE)
- Generous free cover limits
- 2% compound interest annual escalation to protect against future inflation
- Waiver of premium whilst your employee claims, with cover reinstated on return to work
- Benefit paid for up to 24 months whilst your employee is unable to return to their own occupation
- Rehabilitation benefit paid if your employee is able to resume part-time work during the first 24 months of claiming benefit
- Benefit continues after 24 months if your employee is totally unable to return to any reasonable occupation
- Benefit payments automatically cease upon death or on reaching age 65
- Choice of deferment period with benefit starting after 3 or 6 months
- Simple administration process, with medicals not usually required
- Cover available in sterling, US dollars, euros and UAE dirhams
- Up to 10% discount on premiums
Immediate cover up to the free cover limit
Provided your employees are all actively at work, cover can start as soon as we have received your application forms and the premium. Immediate cover will be provided up eo the free cover limit of US $36,000 or €36,000 or £24,000 or AED 144,000.
Cover in excess of the free cover limit
Applications for cover in excess of the free cover limit will be underwritten, and we will require your employees to provide us with medical information.
Highly competitive terms for groups of 19+ employees
Groups of 19+ employees qualify for full cover without medical underwriting, and an even easier application process with no employee application forms required.
Please get a quote to see how cost-effective our Global Income Protection is for the valuable benefit it provides.
Key facts and exclusions of the Global Income Protection plan.
If you have any further questions, please contact our sales advisers.
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