THE UNEXPECTED CAN HAPPEN AT ANY TIME
WHAT IS INCOME PROTECTION
An income protection policy is a simple, tax efficient & inexpensive plan that provides you with an alternate source of income if you are unfortunate enough to be out of work because of an illness and suffer a loss of earnings as a result of ANY disability, ANY injury or ANY accident.
WHY CHOOSE US?
WE DO ALL THE LEG WORK
To help you get the right product without all the hassle we research the market and source the most suitable income protection product for your personal circumstances.
A DEDICATED CONSULTANT FROM START TO FINISH
From start to finish you’ll have a dedicated consultant to help walk you through the process.
SAVE TIME AND MONEY
By shopping the market we not only save you time but also money.
About IncomeProtection.ie
Incomeprotection.ie is one of the major providers of income protection plans in Ireland. We have strong relationships with all of the major financial service companies in Ireland including Friends First, New Ireland, Irish Life, Aviva, Standard Life and Zurich Life to ensure you get the most competitive income protection plan and one that suits your needs best.
As we are not tied to any one product producer, we provide impartial and independent advice so that you receive the most appropriate plan to meet your specific needs. The need to get this decision right, first time should not be under-estimated, so professional advice is essential.
We match your needs with the best product from our select panel of trusted partners

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GET IN TOUCH
Phone
+353 86 231 6136Address
Fitzwilliam Business Centre
77 Sir John Rogerson’s Quay
Dublin 2
incomeprotection.ie
Fitzwilliam Business Centre
77 Sir John Rogerson’s Quay
Dublin 2
WHAT OUR CLIENTS SAY
FAQ’s
What is income protection?
Income protection offers you financial security for you and your family if you are unfortunate enough to be out of work because of an illness and suffer a loss of earnings as a result of a disability, an injury or an accident. If you are unable to work we will pay you the agreed monthly benefit, after a short waiting period which is chosen by you at the outset of your policy.
This income is a weekly benefit payable after a deferred period of 4, 8, 13, 26 or 52 weeks. The deferred period is the length of time between when the illness is first diagnosed and when you start receiving an income benefit. Benefit will continue until you are able to return to work or your selected retirement age (up to age 65), whichever happens first.
What does my plan cover?
Your plan will protect your income against:
- any illness
- any injury
- any disability or
- any accident
It is important to note that an Income Protection Plan does not cover redundancy, it provides for replacement of income if you are unable to work due to ill health that is medically certified.
Why do I need Income Protection?
Is Tax Relief available on premiums?
Yes, tax relief is available on income protection premiums
- Personal Tax relief is available of up to 41% on premiums
If you are a Company Director, it is possible to pay for income protection through your business – the premium can be offset against corporation tax.
Is there tax on income benefit?
Does income protection cover redundancy?
How long will you pay the benefit if I'm out of work?
How many times can I claim on this policy?
What do I do if my salary changes?
How do I make sure my Income Protection benefits keeps up with inflation while I am claiming?
If I am out of work and claiming a benefit, will I have to pay my premium/will the premium still be deducted from my account?
What if I change jobs, do I need to let you know and will my premiums change?
I plan to leave the country to go and work abroad. Will this policy still cover me if I am out of work?
There is full cover if you are living within the EU. If you claim Income Protection benefit while you are outside the EU, we will pay your income for 13 weeks in any 52 week period, or 39 weeks in total. If you return to Ireland or the EU within this time we will continue to pay your income protection benefit.
What support will you give me other than benefit payments if I make a claim?
Rehabilitation Benefits – For so many of our clients recovery means a chance to return to work or begin a new career. We can offer resources and assistance to help you get back into the workforce when you are ready. Our partner companies work closely with the Irish Centre for Occupational Rehabilitation to help you continue normal everyday activities, and ultimately assist your return to employment.
Relapse Benefit – We will immediately restart paying your benefit if you have a relapse within six months of returning to work. There will be no waiting period in this case.
Partial Benefit – If you return to work part or full-time, either in your old job or a new career, and your new earnings are less than previously earned, you may be eligible to receive partial benefit.
Claims Visitors – Independent qualified nurses or professionals visit you and assist in the completion of paperwork, guide you through the claims procedure and discuss rehabilitation options when the time is right.
Return to Work – We can organise Occupational Health Specialists who supports you in getting back to work and focusing on your particular job and workplace to see if any adjustments can or should be made to assist you.
Career Change – Our partner companies can support you in seeking a new career if you are unable to return to your original occupation.
Are there any other benefits applying to my Income Protection policy?
Hospital Cash – A daily replacement income is paid if you are in hospital for more than seven days during your deferred period.
Guaranteed Increase Option – Our Income Protection policies can provide you with an automatic guaranteed increase option. This means that every three years, we will contact you to offer you an additional 20% of the original sum assured, without the need to provide us with any further medical information. We will offer this to you five times, from the 3rd anniversary to the 15th anniversary. If you fail to take up the option more than once when offered, we will not offer it again.
Both hospital cash and the guaranteed increase option are automatically included with some of our Income Protection products.