Group income protection - adviser information
Zurich Group Income Protection insurance enables employers to pay their employees a percentage of continued income if illness or injury prevents them from working for a prolonged period.
Why choose Zurich Corporate Risk for Group Income Protection?
With our flexible Group Income Protection insurance, your clients can tailor their cover to meet the needs of their business and their employees. Their employees and HR team will also have access to our specialist, in-house rehabilitation team – qualified, medical professionals who can provide rehabilitation support whether ill at work (presenteeism) or from the early stages of an employee’s absence, and throughout their recovery and eventual return to work.
If your clients need to make a claim, they can simply call a dedicated case manager who'll gather all the information needed over the phone. Their experienced case manager will be their single point of contact throughout the claim.
Visit our rehabilitation services page or our Group Income Protection claims page to find out more about how we can help your clients, and read employee case studies.
Zurich Group Income Protection - key features and benefits
- Cover available for employees aged 16 to 69
- Covers up to 80% of an employee’s salary, up to the policy terminating age
- Can provide cover for an employer's pensions and national insurance contributions
- Offers competitive automatic acceptance limits, below which we won't normally require underwriting. We communicate these based on salary for easier communication to customers
- Your clients can choose when income replacement will start: either 8, 13, 26, 28, 41 or 52 weeks
- Limited benefit period - option for the benefit to be paid for a limited period of 2, 3, 4, or 5 years
- Your clients can choose to provide a lump sum payable at the end of the limited benefit payment period. The lump sum can be up to four times the employee’s salary (a maximum of £1,600,000 applies)
- Your clients can choose if benefits will increase annually during a claim to protect against inflation
- Can be paid direct to an employee who has left an employment, subject to certain criteria
Group Income Protection documents
The following documents provide more information about our proposition.
Flexible benefits
Our flexible benefits proposition gives your clients the choice over how they design their benefits. It helps them to manage the cost of their employee benefits package, whilst giving their employees the flexibility to choose from the benefits made available to them.
Group Income Protection flexible benefit options:
- Minimum (core) income benefit: 25% of policy salary
- Maximum income benefit: up to a maximum of 80% of policy salary
- Additional benefits: employer's National Insurance and pension contributions
- Benefit units (steps): set as a percentage of salary, between 5% and 20%
- Minimum benefit payment terms: 2 years
- Benefit payment term extensions: 3, 4, 5 years, State Pension Age or policy terminating age (max age 70)
- Available to employers with 250 or more employees
See how our rehabilitation service team can help support your clients
Speaking to clients about group income protection
The video below can help you when discussing the benefits of group income protection with your clients. It provides a simple example of the difference between having cover in place and not having cover.
Additional support services available with Zurich Group Income Protection
For Group Income Protection customers, we offer access to a range of additional support services.
Employee Assistance Programme
Our Employee Assistance Programme, provided by Health Assured, gives your clients and their employees access to structured counselling support, as well as expert, confidential advice, practical support and compassionate guidance 24/7.
Virtual GP
With our 24/7 Virtual GP service (ZGP24) provided by HealthHero, your clients’ employees can get advice, reassurance and (where appropriate) diagnosis from an experienced GP whenever they need it.
Second Medical Opinion
A Second Medical Opinion service offers your clients’ employees access to a medical specialist for peace of mind about a diagnosis. They can ask questions about proposed treatment or about a condition or discuss if alternative treatment options are available.
Mental wellbeing app
Thrive is a clinically effective mental wellbeing app that screens for anxiety and depression using NHS-approved assessments. Employees can get support and guidance to manage a range of stresses, from bereavement, to work-related issues or difficulty sleeping.
Zurich Cancer Support service
Our in-house Cancer Support service ensures those affected by cancer receive tailored guidance and a bespoke support plan. Our nurses are here to offer essential advice, support and guidance at a difficult time.
Eldercare support
Our eldercare support, provided by Podplan, is an online service providing support and information for those caring for an elderly relative, or planning for the future. Employees have access to a range of resources to help navigate the complex world of eldercare.
Precision CancerCare
Our Precision CancerCare service, provided by Further, offers fast access to a customised treatment plan based on the specific type and cause of cancer, using the latest tumour profiling technology.
Worldwide health and security information
Crisis24 Horizon is a mobile and online service helping to keep employees safe at home and abroad. It provides up-to-the-minute health and security information on 260 destinations worldwide.
Suicide prevention support
Our ‘Raise the alarm’ suicide prevention support toolkit can help anyone prepare for a situation where they might be faced with someone reporting active suicidal thoughts. This includes a responder checklist for anyone dealing with an immediate threat of suicide.
Mental Health First Aid (MHFA) courses
Group Income Protection customers can access a free, accredited, two-day MHFA course, or a half-day refresher course.
Making a Group Income Protection claim
We’ve taken a number of steps to speed up and simplify the process of making a Group Income Protection claim.
- Fast, paperless claims - A quick call or email is all it takes to notify us of a claim
- Simple claims process - Each claim is assigned a dedicated and experienced case manager - a single point of contact for your clients, from claim submission to resolution
- eSignatures - We use eSignatures throughout the claims journey, significantly speeding up the claims process
- Speedy claims process - When it comes to claims, it's important to act quickly. That's why we aim to process all claims activity as quickly as possible, often within 48 hours.
Use the link below to find out how to make a claim and how the process works for your clients and their employees.
Funding trees and supporting communities
Zurich is helping to fund Trees for the Future’s planting and restoration projects in Africa.
Over two years from January 2024, Zurich’s funding will enable the planting of more than one million trees across Mali and Senegal in West Africa, helping to restore land which has suffered from degradation or resource depletion.
The projects we support help to train farmers to adopt more sustainable and regenerative practices, empower women, restore degraded land, and support the local families who depend on it.