Do I Need It?

If you become injured or ill, could you continue to cover all your monthly living expenses and financial commitments on just sick pay, state benefits or savings until you are recovered enough to return to work? If not, you need Personal Income Protection.

PIP can help you continue to pay your essential outgoings such as rent/mortgage, utilities, food etc, regardless of any sick pay your employer may provide. If your illness means you will be unable to do your job any longer, it can help maintain your income until you find alternate employment doing something you can manage. It will pay you until you find a different job if you are not able to do your old one. It will make sure your savings stay untouched.

Policies vary and can include sickness and accident protection only, unemployment protection or a fully comprehensive policy which covers both. Without PIP you may find yourself unable to work, and unable to meet your needs. Your home might be at risk, and you will certainly face financial worries just when you need to be focussing on your health and wellbeing.