Income protection

Deferred periods, occupation definitions, benefit limits and returning to work.

• Can income protection help if I return to work gradually or part-time?
• What is an income protection deferred period?
• What does 'unable to work' mean on my policy?
• How much would income protection pay me?
• My employer changed sick pay—does it matter?
• I have more than one income protection policy—will they all pay?
• I changed occupation—do I need to tell my insurer?
• Does life insurance pay my salary if I'm off sick?
• What's the difference between critical illness and income protection?
• I've returned to work but I'm ill again — is it a new income protection claim?
• Can I claim income protection because I've lost my job?
• What does 'own occupation' mean on income protection?
• What does 'suited occupation' mean?
• Why doesn't income protection replace all my salary?
• Does income protection help me get back to work?