More about Group Income Protection

Because we understand the diverse needs and financial concerns of today's employers, in the provision of health and wellness benefits we have designed our Group Income Protection proposition to be as comprehensive and flexible as possible.

Our approach to scheme underwriting embraces both our global experience and our local knowledge of the risk market. We also recognise that rapid changes in commerce, industry and technology will continue to have a profound effect on the assessment of a risk.

In addition, we understand the value of work place initiatives to address absence and health issues and we will always be receptive to these activities where they can influence the claims experience under the group income protection policy.

The expertise of our claims team, in the management of long-term incapacity claims, is demonstrated in our development of a forward thinking and innovative claims management model. Our dedicated case managers encourage early engagement with all relevant parties and our access to a network of private clinicians and specialist support helps us deliver a bespoke service when managing claims in order to support members back to work.

The ethos within our claims team is to ensure that:

• Incapacitated members receive the appropriate care from both their employer and medical practitioners.
• Return-to-work ambitions are respected and supported.
• Employers can reduce the likelihood of long-term absence through early intervention programmes and by offering return-to-work and rehabilitation support.
• Employers understand and are assisted in their efforts to fulfil their obligations under the Disability Discrimination Act.