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.
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.