Income Protection Insurance Estimator
Annual Income ($)
Deferral Period (weeks)
Age
Income protection pays a monthly income (50–70% of salary) if you cannot work due to illness or injury. Unlike a lump sum (critical illness cover), it pays regularly until you return to work or retire.
- 1Benefit = 50–70% of gross income per month
- 2Deferral (waiting) period before payments begin: 4–52 weeks
- 3Longer deferral = lower premium
- 4Own-occupation definition: cannot do your specific job
£55k salary, 60% cover, 13-week deferral=Monthly benefit = £2,750; premium ~£60–100/month
| Deferral | Premium impact | Match to |
|---|---|---|
| 4 weeks | Highest | No employer sick pay |
| 13 weeks | Moderate | 3 months sick pay |
| 26 weeks | Lower | 6 months sick pay |
| 52 weeks | Lowest | 12 months sick pay |
References
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