although NHS staff have generous sick pay schemes, these are not a bottomless pit and members of the medical profession still need income protection. The ideal is for the income protection plan to pay out when the NHS sick pay ends, so there is no gap in which the client would have no income. However, the issue for advisers is that it can be difficult to match the deferred periods on income protection plans to NHS sick pay arrangements, which depend on length of service. Understanding how the NHS sick pay scheme works and how income protection providers are catering specifically for medical professionals will help advisers work out the best way to align the two. This is what we will be looking at in this insight.
