Financial and wellbeing support to help manage employee sickness absence
Aims to provide your clients’ employees with a regular income if they cannot work because of long-term sickness or injury. Includes rehabilitation support to help employees back to work where appropriate.
|Minimum policy size||
From 10 employees.
|Maximum policy size||
|Types of benefit and limits||
The benefit the employee is covered for must not exceed £350,000 a year.
Employer and employee pension contributions can also be covered, up to a total of £75,000 a year.
The total of an employee’s benefit plus their pension contributions, cannot be more than 80% of their scheme earnings.
Employer NI contributions can also be covered.
Plus, we offer an integrated option where the amount we pay is offset against state benefits.
|Benefit levels and payment terms||
Choose different benefit levels for defined groups of employees.
Benefits can be paid up until the benefit termination age or of a maximum of 2, 3 or 5 years.
Typically, up to £120,000 benefit per annum can be covered without the need for medical underwriting. The limit depends on the size of the policy and the benefit choices.
Employees will be medically underwritten if their cover is above the free limit. Temporary cover of up to 90 days is available during medical underwriting, subject to conditions.
|Benefit escalation options||
A fixed rate of up to 5% per year
RPI subject to a maximum of 2.5% or 5%
CPI subject to a maximum of 2.5% or 5%
|Definitions of incapacity||
Own occupation – an illness or injury prevents the employee performing duties essential to their role.
Suited occupation – an illness or injury prevents the employee doing all jobs that are suitable to their experience, training or education.
Activities of daily working – the employee meets our definition of incapacity in at least four areas of daily working life.
For larger schemes we also offer own occupation switching to suited occupation. Bespoke requirements can also be considered.
All employees, or those that fit the employer’s predefined eligibility definitions.
Employees between 16 and 70 can be covered.
Benefit payments can begin after 13, 26, 28, 39, 52 or 104 weeks of incapacity.
With the integrated option, the choice for when benefit payments begin is either 26 or 28 weeks.
Can be made monthly or annually.
Provided by Legal & General Health and Care
Only when elder care for a loved one needs to be considered does the realisation set in that the long-term care system is confusing and very complex. To support employees during this often emotionally charged and stressful period, we’ve introduced Care concierge. This telephone service and the online care service platform, provides employees with access to a care expert for guidance about a loved one’s later life care needs.
Notify us about a claim
Claims can be made by completing our online Absence Notification form
When we receive the Absence Notification form we will contact the employee and ask them to complete a Member Statement. The employee will be able to complete this online if we are provided with their personal email address on the Absence Notification form.
Claims management and support
Where appropriate we will refer the claim to our in-house rehabilitation team to assess what support we can provide to facilitate a return to work before the end of the deferred period. We will provide updates throughout the process.
In some cases, an employee may not be able to return to work before the end of the deferred period. In these circumstances, provided medical information supports the absence and the claim meets the definition of incapacity on the policy, we'll start to pay benefits monthly in arrears to the employer.
We'll continue to review the employee’s condition regularly to make sure the claim continues to meet the definition of incapacity on the policy, to understand if any support can be provided to facilitate a return to work and to enable us to continue to provide regular updates to the employer.
0345 072 0758
Lines are open from 9am to 5pm Monday to Friday
We may record and monitor calls.