Our Income Cover for Sickness pays out a monthly income if your clients are either unable to work because of an illness or injury or are unable to carry out a number of work-related tasks. Payments continue until the first of the following happens:

• the person covered recovers and is able to return to work
• the person covered no longer meets the definition of incapacity
• the cover ends
• the cover payment period ends
• the person covered dies

We automatically include Payment Cover for Sickness - also known as waiver - with Income Cover for Sickness.

Read our underwriting limits to find out more.

As part of our Helping Hand service, we provide back-to-work support for Income Cover for Sickness plan owners. We work with HCML, one of the UK's leading rehabilitation case management companies, who can provide the services of a personal rehabilitation case manager to help your client get back to work.

Find out more about Helping Hand.