Income protection from The Exeter doesn’t just cover long-term illnesses for the times when your clients are too ill to work. We cover any illness or injury that stops your clients from working.
Viruses can be bad for your client’s financial health
Some illnesses such as flu and chickenpox may only require your clients to take a week or two off work but this could have a negative financial impact if they don’t receive employer sick pay.
If they don’t receive employer sick pay your employed clients will only be entitled to Statutory Sick Pay at £94.25 a week1.
Self-employed people can claim Employment Support Allowance which provides just £73.10 a week1, it is means-tested and can be a long and complicated application process.
The flu can be horrible but it doesn’t need to impact your clients’ financial health.
10% of our claims were for viral and bacterial infections2
10% of our claims paid in 2017 and 2018 were for viral or bacterial infections such as flu, sickness and diarrhoea, laryngitis, chickenpox and tonsillitis.
Exeter members including builders, carers, hairdressers and warehouse operatives, to name a few, were all able to protect their income when they had a viral or bacterial infection.
Extra pressure on some workers to not spread infection
Working in very close contact with people can mean that certain types of workers can’t take the risk of coming to work if they have a virus.
For example, 50% of the claims we paid for our dental hygienist and technician members were for a viral-related illness. Fortunately, 100% of them had Day 1 cover which meant they received cover from the day they became ill and could take time off work to get better, preventing the virus infecting their patients.
For more information on Income Protection from the Exeter please email sales@the-exeter.com or call us on 0300 123 3207.
- UK
- The Exeter claims data 2017-2018
