Group Income
Protection Insurance

Provides a financial benefit and rehabilitation support if an employee is unable to work because of illness or injury.

Cover depends on scheme level - terms and conditions apply.


Income Protection can provide a financial benefit and rehabilitation support if an employee is unable to work because of long-term illness or injury.

Group Income Protection can be used by employers:

  • To help manage sickness and the associated costs. Our rehabilitation support can help employees get back to health and back to work – reducing the length of sickness absence and the impact on an organisation.
  • As an employee benefit to provide continued income for sick and incapacitated employees, helping to relieve money worries at a difficult time. This valuable benefit can boost morale and help attract and retain the right calibre of staff – factors that are essential to business growth.

Benefits are normally based on an employee’s earnings with options available to meet the employer’s specific needs and budget.


Our ‘menu based’ approach provides a range of options and enables customers to mix and match benefits tailored to their needs, these options include:

  • Basic benefit which can be paid until a chosen age, or limited to 2, 3, 4 or 5 years
  • Cover for an employer's liability for National Insurance contributions
  • Long-term supplementary benefit to cover employment costs that may continue (pension contributions or other business costs)
  • Short-term supplementary benefit, payable for 6 months or a year to cover extra costs such as paying for temporary or replacement staff
  • Final lump sum, payable at the end of a limited payment period,e.g. to fund early retirement
  • Initial lump sum of up to £10,000 if an employee is absent for 14 days due to heart attack, cancer or stroke
  • A choice of when benefit payments start and whether benefits remain constant or increase while being paid
  • The option to ask for pay direct terms

Simplicity Income Protection

Our Simplicity Income Protection product offers simplified options and administration. It provides an affordable solution for employers who want to give a basic level of cover to their employees for the first time with a flat benefit of £12,000 per year (or 100% of earnings, if lower).


Unum's Executive Income Protection is designed for small/medium-size businesses looking to offer selected employees the benefits of an extended sick pay arrangement.


Sick Pay Insurance provides financial support for short-term absence, with payments that can start from week 1 of absence and be paid for up to 52 weeks. This is designed to complement a business’s existing sick pay scheme.


Group Income Protection customers automatically have access to a range of support services at no additional cost. These include:

Rehabilitation Services

Access to our nationwide rehabilitation team, who help manage an employee’s sickness absence. And because they’re used to working with companies of all different sizes and with a whole range of illness and injuries, your client will always be in safe hands.

Unum LifeWorks™

Our Employee/ Employer Assistance Programme offers employees access to a 24/7 helpline for advice on everyday issues like debt and childcare. Face to face counselling can also be offered for more serious issues. For employers, LifeWorks™ provides help on a wide range of HR issues as well as legal assistance, including the ability to create legally binding documents – great for smaller employers with no HR function.

Mental Health Pathway

Unum’s Mental Health Pathway is an early intervention service that enables both employers and employees to access specialist support, quickly, when mental health concerns are first raised.

You can find a full list of all the additional support services and expertise available to all GIP customers on our Getting the most out of your Income Protection Policy page.


Premier is account management for our GIP customers. It provides access to additional services – including an account manager and early rehab intervention - to help better manage sickness absence.

Premier gives access to all the standard features and benefits of a Unum Group Income Protection scheme as well as some additional services to help manage sickness absence:

  • Dedicated contacts: access to a named Vocational Rehabilitation Consultant and Claims Management Specialist.
  • Practical help after just 4 weeks: our Rehabilitation team can start to work with the employer and employee after just 4 weeks of absence.
  • We aim to get employees back to work before a claim submission becomes necessary saving employers time and money, and helping the employee return to work.
  • Monthly claims progress reports: to keep employers up to date with any claims that have been submitted.
  • Meetings at work: the customer's named Claims Management Specialist will come and discuss any live or pending claims, and talk through any other ways to work together to help manage absence.

For more information on Premier, please contact your local sales office.