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Group Income Protection Insurance

We provide an end-to-end service that can help manage sickness absence, support you and your employees when there are wellbeing concerns, and protect people financially by providing a continued percentage of their income while supporting their return to work.

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Our support services
Offering more than just insurance

Our Group Income Protection customers have immediate access to a range of health and wellbeing support services at no additional cost.

  • 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 and return to work support

    Immediate access to specialist support to help individuals stay at work if struggling with a health condition or return to work after absence. We also offer a personal wellbeing check to keep your employees engaged and productive.
  • Online workshops

    Available for HR professionals and line managers on a number of workplace wellbeing topics including sickness absence, mental health and bereavement, to help understand how best to support employees.
  • Mental Health Pathway

    Unum’s Mental Health Pathway is an early intervention service providing fast, specialist support to employers and their employees when facing a mental health concern.
  • Cancer Pathway

    Unum’s Cancer Pathway provides quick and easy access to cancer support upon diagnosis, through treatment and after treatment – whenever needed.

Overview
What is Income Protection and how does it benefit employers?

Group Income Protection pays a percentage of an employee’s salary if they’re unable to work due to long term illness or injury. Our customers also have access to an extensive range of health and wellbeing services at no additional cost.

Financial peace of mind

Income Protection can be used by employers as an employee benefit, to provide continued income for sick and incapacitated employees, helping to relieve money worries at a difficult time. Having this valuable benefit in place can help to attract as well as retain employees, potentially reducing costly staff turnover.

Rehabilitation support

Unum have a team of dedicated rehabilitation consultants, who are there to help you manage sickness absence and the associated costs by supporting employees back to health, and back to work if this is the aim. Having this support available can reduce the length of absence and its impact on the organisation as well as support your valued employees through ill health.


View our downloads


Useful resources

What is Group Income Protection - UP2180
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Group Income Protection from Unum - Adviser Guide - UP1217
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Group Income Protection User Guide - UP841 02/2019
PDF
Getting the most out of your Income Protection policy
PDF

Why choose us
Insurance with a difference

Whether it’s prevention, intervention or protection, you have immediate access to a range of health and wellbeing support services for you and your employees. All our services and resources have been designed to keep staff healthy, managers up to date on workplace health and wellbeing issues, and help prevent sickness absence and its associated costs.

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    Our support services

    More than just financial peace of mind - get access to expertise and support tools for employees and employers.

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    Flexible benefits

    Including flexible payment start dates, short-term benefits, and the option to include an initial or final lump sum.

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    Absence management support

    Our dedicated rehab team, guidance and tools are available to support employees and reduce the impact of employee absence.

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    Wellbeing resources

    Providing education and support for HR and line managers, including webinars, workshops, podcasts, and a Wellbeing Calendar.

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    Help@hand

    Our health and wellbeing app, provided by Square Health, offers employers a quick, simple and effective way to show employees they care about their physical and mental wellbeing, while reducing sickness absence.

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    Claims management

    Unum’s claims process is designed to be as simple and straightforward as possible, We use dedicated Claims Management Specialists and a consistent, clear and honest approach from start to finish.

Our Simplicity Income Protection product offers simplified options and administration.

It provides a more affordable, more basic cover for employers looking to protect their employees for the first time with a flat benefit of £12,000 per year (or 100% of earnings, if lower).


Contact us

Wellbeing calendar
Upcoming events and webinars

Workplace training
Article
Fri, 20 May

  • Lifestyle
  • Emotional
  • Financial
Woman listening to a webinar
Webinar
Thu, 26 May, 11:00

  • Emotional
  • Physical
Father and son fixing a bike
Article
Mon, 6 Jun

  • Emotional
  • Physical

Any questions?

View FAQs
  • We will provide a 30-minute online welcome session where we’ll explain the benefits of all the wellbeing and support services that are included with your policy. The sessions include a Q&A and useful downloads to make sure you can register straight away for these services.

    Register for Onboarding

  • Yes. Help@hand is available at no cost for employees insured under a Group Income Protection, Group Life or Group Critical Illness policy. It can be extended to all other employees for an additional cost of £4 per employee per month.

We're here to help

Have a question or can’t find what you’re looking for? Get in touch with us.

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