- Tradespeople, Drivers, Manual Workers and High-Risk Professions
- NHS Workers, Teachers and Public Sector workers
Tradespeople, Drivers, Manual Workers and High-Risk Professions
The riskier or more manual the type of job you have, the more likely it is that you may need to make a claim. Therefore, these occupations tend to pay higher premiums.
However, Plus Protect work with several insurers that disregard occupation and whether you smoke, meaning that you could pay the same as someone who represents a much lower risk.
NHS Workers, Teachers and Public Sector workers
Selecting the right Income Protection policy is particularly important for public sector workers, NHS staff or anyone that receives ‘stepped’ sick pay benefits, such as 6 months full and 6 months half pay.
Plus Protect specialise in policies that offer a dual-deferred payment schedule designed to cater for Public Sector workers and their sick pay benefits.
We also work with providers that cater specifically for NHS staff, offering a more beneficial package.
Income Protection is especially important for the Self-Employed who receive no sick pay benefits and would suffer financially if they were unable to work.
If you’re Self-Employed you should always seek expert advice before taking out an Income Protection policy. You will need to make sure your policy provides you with an appropriate level of cover and is the best for your individual circumstances.
Plus Protect work with providers that offer products specifically designed for the Self-Employed and can help guide you to find the right policy for your individual needs.