{"id":2372,"date":"2017-04-27T14:19:33","date_gmt":"2017-04-27T14:19:33","guid":{"rendered":"https:\/\/www.ccpc.ie\/consumers\/?page_id=2372"},"modified":"2025-06-10T15:52:52","modified_gmt":"2025-06-10T14:52:52","slug":"income-protection-insurance","status":"publish","type":"page","link":"https:\/\/ccpc.inventise.ie\/consumers\/money\/insurance\/income-protection-insurance\/","title":{"rendered":"Income protection insurance"},"content":{"rendered":"<p>Income protection insurance pays out a regular cash payment that replaces part of your lost income if you can\u2019t work due to a medium to long-term illness, injury or disability. It can also be called \u2018permanent health insurance\u2019 (PHI) \u2013 but is not the same thing as private health insurance. Income protection insurance does not cover redundancy. To have income protection insurance cover you generally have to be in full-time paid work or be self-employed.<\/p>\n<p>The criteria for getting income protection insurance is high so it can be difficult and\/or very expensive to get depending on your occupation and personal health. Many insurers will have a list of occupations that are excluded from their income protection policies.<\/p>\n<div id=\"accordion-1\" class=\"accordion no-js\"><\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t1\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c1\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tHow does income protection work?\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c1\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>Most income protection policies pay out a benefit if you are unable to work due to an illness, injury or disability, and you do not have a second job. If you are able to continue to work in a secondary job despite your illness, injury or disability you will be unable to make a claim on an income protection policy you have on your primary job.<\/p>\n<p>You get your benefit only after you have been unable to work at your job (and are not working at any other job) for a certain period of time. This is called \u2018the deferred period\u2019. When you take out your policy, you can choose what deferred period you think would suit you best, typically four weeks, 13 weeks, 26 weeks or 52 weeks. If you choose a deferred period of four weeks, which means you must be unable to work for four weeks before the income protection payments begin, it will cost more than if you chose 13, 26 or 52 weeks. Some policies may have no deferred period. Before you make a decision on the deferred period, check if your employer offers sick pay and if so, how much and for how long.<\/p>\n<p><div class=\"toptip\"><\/p>\n<h3>Top Tip<\/h3>\n<p>Some income protection policies only cover you if you become severely disabled and are not able to carry out any paid work. This type of policy provides you with very little protection and you would need to be severely and permanently disabled before you could claim any benefit. Some policies may only pay out for permanent total disability, so make sure you know what sort of policy you are getting.<br \/>\n<\/div><\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t2\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c2\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tDo you need income protection?\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c2\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>You may need income protection if you:<\/p>\n<ul>\n<li>Are self-employed and would have no source of income if you couldn\u2019t work due to illness or disability<\/li>\n<li>Have little or no sick pay from your employer<\/li>\n<li>Have no <span class='tooltipsall tooltip_post_id_custom_2efb3783056770cce70ade8274c815a0 classtoolTipsCustomShortCode' style='border-bottom:2px dotted #888;'>ill-health pension protection<\/span><script type=\"text\/javascript\">jQuery(\"document\").ready(function(){ toolTips('.tooltip_post_id_custom_2efb3783056770cce70ade8274c815a0','This lets you take early retirement with a pension if you become permanently unable to do your job\\. If you are a member of an employer pension scheme, you may be entitled to get this type of pension'); });<\/script><\/li>\n<li>Have dependants who rely on your income<\/li>\n<li>Have no other source of income<\/li>\n<li>Do not have sufficient benefits to replace your lost income and\/or cover your expenses<\/li>\n<\/ul>\n<p>Before you take out income protection, you should check if you are entitled to other benefits, which may mean you don\u2019t need income protection insurance:<\/p>\n<ul>\n<li><strong>Social welfare illness benefit:<\/strong> a weekly payment you may get from the State. It is not available if you are self-employed<\/li>\n<li><strong>Social welfare disability benefit:<\/strong> a weekly payment you may get from the State. It is not available if you are self-employed<\/li>\n<li><strong>Sick pay:<\/strong> your employer pays all or part of your wages for a time<\/li>\n<li><strong>Ill-health retirement pension:<\/strong> this lets you take early retirement with a pension if you become permanently unable to do your job. If you are a member of an <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/pensions\/\">employer pension scheme<\/a>, you may be entitled to get this type of pension<\/li>\n<\/ul>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t3\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c3\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tHow do you get cover?\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c3\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>You can buy income protection insurance from:<\/p>\n<ul>\n<li>An insurance broker who can look at all the policies on offer and help you choose the one that suits you best. You may have to pay for this advice, so ensure you get the full cost in writing before you agree to enter into a contract with the adviser<\/li>\n<li>Directly from an insurance company<\/li>\n<li>You may be able to buy this cover by joining a group scheme at your workplace. It is usually cheaper to join a group scheme.<\/li>\n<\/ul>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t4\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c4\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tHow much does it cost?\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c4\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>Costs usually depend on the following:<\/p>\n<ul>\n<li>Your Job \u2013 as some jobs are more risky than others (see table below)<\/li>\n<li>Level of cover (usually linked to a percentage of your income)<\/li>\n<li><a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/jargon-buster\/#deferred_period\">Deferred period<\/a> you choose<\/li>\n<li>Term of the policy<\/li>\n<li>Age &#8211; as you get older, income protection will cost more and a new policy may have more <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/jargon-buster\/#Exclusions\">exclusions<\/a>, particularly if your job or state of health have changed<\/li>\n<li>Your health<\/li>\n<li>Your family medical history<\/li>\n<li>Lifestyle choice that may impact your health i.e. smoking or drinking<\/li>\n<\/ul>\n<p>Classes of jobs: Typical examples<\/p>\n<table style=\"width: 100%;\">\n<tbody>\n<tr>\n<th class=\"left\" style=\"width: 25%;\">Class 1<\/th>\n<th class=\"centre\" style=\"width: 25%;\">Class 2<\/th>\n<th class=\"centre\" style=\"width: 25%;\">Class 3<\/th>\n<th class=\"right\" style=\"width: 25%;\">Class 4<\/th>\n<\/tr>\n<tr>\n<td style=\"width: 25%;\">Accountant<\/p>\n<p>Bank Official<\/p>\n<p>Solicitor<\/p>\n<p>Barrister<\/p>\n<p>Computer Programmer<\/td>\n<td style=\"width: 25%;\">Bookmaker<\/p>\n<p>Hairdresser<\/p>\n<p>Dentist<\/p>\n<p>Laboratory Technician<\/td>\n<td style=\"width: 25%;\">Social Worker<\/p>\n<p>Locksmith<\/p>\n<p>Driving Instructor<\/p>\n<p>Non- Industrial Electrician<\/td>\n<td style=\"width: 25%;\">Floor Layer<\/p>\n<p>Garage Mechanic<\/p>\n<p>Plumber<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>The above classifications are typical examples of the type of jobs that fall within each class and are subject to change. Always check with the insurer when making an application as each one is reviewed on a case by case basis. People with jobs that fall within \u2018Class 1\u2019 are considered the lowest risks and would pay the lowest premium. Those with jobs that fall within Classes 2, 3 and 4 usually pay a higher premium. Many insurers may include a class 5 or a class D in their tables which usually means jobs that fall within this class will be refused cover as they are considered too high a risk. Occupations such as the Garda\u00ed, farm workers and prison officers are generally declined by insurance companies but this may not always be the case.<br \/>\n<div class=\"toptip\"><\/p>\n<h3>Top Tip<\/h3>\n<p>Remember to pay your premiums on time. If you don\u2019t, your policy could lapse and you would not be able to make a claim.<br \/>\n<\/div><\/p>\n<p class=\"table\">\t\t<\/div>\n\n\t\t<\/p>\n<p class=\"table\">\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t5\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c5\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tHow much income will you get?\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c5\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>If you have an individual policy, you can set the amount you want to be insured for when you take out the policy. There will usually be a maximum amount you can insure. The policy terms and conditions will tell you the maximum amount you can claim. This is usually 66% or 75% of your earnings before you became ill or disabled, less any other income you get while out of work, such as sick pay, and single person\u2019s social welfare illness benefit &#8211; if you are entitled to it.<\/p>\n<p>If you are insured through a group scheme, you get the proportion of your earnings stated in the group policy, less any other payments you get when out of work. These payments may include sick pay or social welfare disability benefit.<br \/>\n<div class=\"examplewrapper\"><div class=\"row\"><\/p>\n<p><div class=\"example col-md-12\"><\/p>\n<h4>Joe<\/h4>\n<p>Joe is an employee earning \u20ac40,000 a year. He has income protection insurance for \u20ac30,000 a year. The policy will pay up to a maximum of 75% of the amount he was earning before he was unable to work, less any other income or benefits he gets.<\/p>\n<p>Joe puts in a claim to his insurance company and starts to receive his payment after 26 weeks, which is the deferred period. Joe must tell his insurance company about the other benefits he gets while out of work. These are:<\/p>\n<p>\u2022 \u20ac750 sick pay per month from his employer<br \/>\n\u2022 social welfare disability benefit of \u20ac750 per month<\/p>\n<p>What benefit will Joe get?<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 50%;\"><\/td>\n<td style=\"width: 50%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">75% of annual salary of \u20ac40,000 = \u20ac30,000<\/td>\n<td style=\"width: 50%;\">\u20ac2,500 per month<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">Less sick pay<\/td>\n<td style=\"width: 50%;\">-\u20ac750<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">Less social welfare<\/td>\n<td style=\"width: 50%;\">-\u20ac750<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;\">Maximum benefit per month<\/td>\n<td style=\"width: 50%;\">\u20ac1,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>So, although Joe was insured for a benefit of up to \u20ac2,500 per month, he can only claim \u20ac1,000 per month because of the other benefits he gets.<\/p>\n<p>If Joe was self-employed, he would not receive social welfare disability benefit or sick pay from his employer. His maximum benefit would be the same as his insured benefit \u2013 \u20ac2,500 per month.<\/p>\n<p>Any actual calculation will differ depending on your individual policy, social welfare disability benefit and sick pay entitlement.<\/p>\n<p><\/div><\/p>\n<p><\/div><\/div><\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t6\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c6\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tHow long does your benefit last?\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c6\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>Usually your benefit payment stops as soon as one of the following happens:<\/p>\n<ul>\n<li>you return to work<\/li>\n<li>you reach age 55, 60 or 65, depending on the policy. This is called the \u2018benefit cessation age\u2019. This should be no later than your planned retirement date<\/li>\n<li>the insurer\u2019s medical officer, who may check your medical condition from time to time, decides that you are fit to return to work<\/li>\n<li>you pass away<\/li>\n<\/ul>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t7\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c7\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tHow much relief do you get on your income protection premium?\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c7\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>You can get tax relief on your income protection premium at your marginal (highest) rate of tax, up to a yearly limit of 10% of your total income. This can make your premium more affordable, but remember your benefit will be taxable if you make a claim. If you have an individual policy, your insurance company will give you a statement showing the premiums paid. To claim your <a href=\"https:\/\/www.revenue.ie\/en\/personal-tax-credits-reliefs-and-exemptions\/health-and-age\/permanent-health-benefit-contributions\/index.aspx\">tax relief<\/a>, you need to include this information with your tax return. If you are a member of a group scheme, your employer usually takes your premium from your salary before tax. In this instance you would not qualify for tax relief.<\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t8\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c8\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tAlternatives to standard income protection\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c8\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>The below products are types of income protection that offer less protection and require less criteria than standard income protection and therefore are cheaper and easier to get cover.<\/p>\n<p><strong><a id=\"billwage\"><\/a>Bill cover:<\/strong> bill cover is designed to ensure that the main bills, i.e. rent\/mortgage and household bills, are covered in the event that an individual cannot work due to illness or injury. Bill cover provides up to 40% of an individual\u2019s income to a maximum of \u20ac2,000 for single cover and \u20ac4,000 for cover including a partner.<\/p>\n<p><strong>Wage protector:<\/strong> wage protector is designed for those whose occupations fall into classes 3 &amp; 4 for income protection. The premiums for those in class 3 &amp; 4 can be quite high based solely on their employment, though health and lifestyle factors are also considered regardless of job class. Wage protector will pay out an income for 24 months or longer if medical tests show that you are severely disabled and unable to work and pass a functional assessment test.<\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t9\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c9\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tMaking an income protection claim\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c9\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>If you are out of work due to illness or injury and have an income protection policy in place, there are a number of basic steps you should follow when making a claim:<\/p>\n<ul>\n<li><strong>Check your deferred period:<\/strong> when taking out an income protection policy, you will have set out your \u2018deferred period\u2019. The deferred period is the length of time between you being unable to work and the policy benefit being payable. Deferred periods tend to range from 13 to 52 weeks. If you are still within your deferred period, you will be unable to make a claim.<\/li>\n<li><strong>Complete a claim form:<\/strong> you will need to submit a claims form to your insurer when making a claim. Remember to complete the forms as accurately as possible to avoid delays or refusal of your claim. If you are unsure of any information requested on the form contact the insurer or broker.<\/li>\n<li><strong>Get your paperwork in order:<\/strong> when making a claim on an income protection policy, you will be required to submit documentation to support your claim. Examples include medical certificates, proof of earnings, medical assessments etc. Your insurer or broker will advise you of what is required.<\/li>\n<\/ul>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t10\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c10\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tCancelling your income protection policy\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c10\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>If you are cancelling your income protection policy you will need to cancel the direct debit to your old insurer. To stop a direct debit, you must cancel it by writing to your bank. You should also contact the third-party supplier \u2013 in this case your old insurance provider, to make sure that the direct debit has been cancelled.<br \/>\n<div class=\"toptip\"><\/p>\n<h3>Top Tip<\/h3>\n<p>If you take out an income protection policy and then change your mind, you can cancel it within the first 30 days and you will get a full refund.<\/p>\n<p>However, the money you are refunded may not be the full amount you have paid as any fees and charges, such as an administration fee, may have been deducted. You should check the terms and conditions of your insurance policy to see what charges may be deducted.<\/p>\n<p><\/div><\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Income protection insurance pays out a regular cash payment that replaces part of your lost income if you can\u2019t work due to a medium to long-term illness, injury or disability. It can also be called \u2018permanent health insurance\u2019 (PHI) \u2013 &hellip;<\/p>\n","protected":false},"author":111,"featured_media":0,"parent":788,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"tags":[19,8],"class_list":["post-2372","page","type-page","status-publish","hentry","tag-insurance","tag-money"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Income protection insurance - CCPC<\/title>\n<meta name=\"description\" content=\"Find out about what you should consider if you&#039;re thinking about taking out income protection insurance and what kind of cover is available.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Income protection insurance - 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