Sick Pay Insurance
Sick Pay Insurance can help ease the headache of short-term absence. Cover depends on scheme level - terms and conditions apply.
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Important information
Following a regular review into our offerings, we have decided to pause accepting quotes for new Sick Pay Insurance business from 1st May 2022 until further notice.
The purpose of doing this is to enable us to strategically evaluate the design of the product and invest in the systems that support it, ensuring it meets the future needs of our customers.
We want to reassure you that we will be servicing existing Sick Pay Insurance policies in the usual way, and there will be no change for any existing policyholders.
Covid-19 Update
To ensure we can continue to best serve our existing customers during the coronavirus pandemic, we have taken the decision to stop offering deferred period options of 1 to 3 weeks for all new SPI policies with immediate effect. This means that we will currently only offer SPI with a 4-week deferred period.
See ‘Getting a quote’ below for more information.
Our support servicesOffering more than just insurance
Our Sick Pay Insurance customers automatically have access to the following support services:
Help@hand
Providing insured employees with fast, direct access to six high quality health and wellbeing support services through one easy-to-use app - including remote GPs, mental health support, physiotherapy and EAP access.Employee/Employer Assistance Programme (EAP)
Our comprehensive EAP provided by LifeWorks includes access for all insured employees to a confidential 24/7 helpline, financial and business legal support, wellbeing content and tailored health and fitness plans.Rehabilitation service
Our Vocational Rehabilitation Consultants can provide practical and collaborative return to work plans, capability tests and advice on alterations in the workplace – assisting with Duty of Care needs. Available from day one of absence or if an individual is at work but struggling with a health condition.
OverviewWhat is Sick Pay Insurance?
Sickness absence causes problems for every business. The costs are unpredictable, difficult to budget for and can be large enough to leave some companies struggling to absorb them.
Sick Pay Insurance from Unum:
- Provides short-term financial support for sickness absence
- Can pay benefit after four week's absence
- Offers professional claims management support, allowing employers to flag non-work related claims and validate claims through evidence-based expertise
- Is designed to complement a business’ existing sick pay scheme and can dovetail with long-term Income Protection plans to give peace of mind
- Is available for employers who want to provide cover for 10 or more employees
Benefit options:
- Range of payment periods from 22 weeks to 52 weeks
- A choice of salary replacement ratios to suit business needs
- Range of benefit amounts up to £6,000 per month
Getting a quote
We have taken the decision to stop offering deferred period options of 1 to 3 weeks for all new SPI policies with immediate effect. This means that we will currently only offer SPI with a 4-week deferred period. This decision does not impact new business quotes which are within the quote guarantee period, existing SPI policies or our other products, including Group Income Protection. We will continue to monitor the situation and review our business plans on an ongoing basis.
Please contact your Unum Sales Consultant to find out more about our cover including policy documents or to request a Sick Pay Insurance quote.
Our online system makes the claims process simple, enabling both employer and employee to submit the claim electronically.
Each claim is assigned to a dedicated Claims Management Specialist (CMS) who will assess the initial evidence submitted. Your CMS will contact you within 5 working days of submission to acknowledge the claim and work with you and your employee throughout.
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