Irish Pensions and Finance

Income Protection – Irish Pensions and Finance

Income Protection

Over the last 12 months we have had increased interest from our clients, in particular from Medical Professionals, in relation to Income Protection cover.

In light of this, we have decided to answer some of the most common questions, and dispel some of the myths that might exist with regards to Income Protection.

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What is Income Protection?

Income Protection can provide you with a replacement income should you be out of work due to illness or injury.

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How does it work?

Your Income Protection policy can provide you with a replacement income of up to 75% of your salary, allowing you to ensure your bills and regular outgoings are covered while you recover.

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What are the most common reasons for claiming?

Any illness or injury which causes you to be signed off work can result in a claim on Income Protection.
The most common reasons we see are:
  • Stress / Anxiety / Mental Health
  • Back or Limb injuries
  • Pregnancy-related illnesses
  • Cancer

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_Element.prototype.element_id = “4d60ba4f-ec12-45b9-bfd8-ba5a409f0317”;
_Element.prototype.user_id = “40859893”;
_Element.prototype.site_id = “748682923609045137”;
_Element.prototype.assets_path = “//marketplace.editmysite.com/uploads/b/marketplace-elements-848857247979793891-1.0.1/assets/”;
new _Element({
el: ‘#element-4d60ba4f-ec12-45b9-bfd8-ba5a409f0317’
});
});
});

}

if (typeof document.documentElement.appReady == ‘undefined’) {
document.documentElement.appReady = 0;
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if (document.documentElement.appReady || (window.inEditor && window.inEditor())) {
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document.addEventListener(‘appReady’, setupElement690092189974228021, false);
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document.documentElement.attachEvent(‘onpropertychange’, function(event){
if (event.propertyName == ‘appReady’) {
setupElement690092189974228021();
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});
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clear: both;
float: left;
width: 100%;
-moz-box-sizing: border-box;
-webkit-box-sizing: border-box;
-ms-box-sizing: border-box;
box-sizing: border-box;
background-color: #f4f7f8;
padding-top: 20px;
padding-bottom: 20px;
padding-left: 20px;
padding-right: 20px;
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border-top-right-radius: 20px;
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border-bottom-left-radius: 20px;
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border-bottom-right-radius: 20px;
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Why would I need Income Protection?

​Income Protection is not for everyone, but we would always suggest you consider ​​if your family could survive financially without your income.

​If the answer is No, you may need to consider Income Protection.

function setupElement484233255277126757() {
var requireFunc = window.platformElementRequire || window.require;

// Relies on a global require, specific to platform elements
requireFunc([
‘w-global’,
‘underscore’,
‘jquery’,
‘backbone’,
‘util/platform/elements/PlatformElement’,
‘util/platform/elements/PlatformElementSettings’
], function(
_W,
_,
$,
Backbone,
PlatformElement,
PlatformElementSettings
) {
var dependencies = null || [];
var platform_element_id = “848857247979793891-1.0.1”;

if (typeof _W.loadedPlatformDependencies === ‘undefined’) {
_W.loadedPlatformDependencies = [];
}

if (typeof _W.platformElements === ‘undefined’) {
_W.platformElements = [];
}

if (typeof _W.platformElements[platform_element_id] === ‘undefined’) {
_W.platformElements[platform_element_id] = {};
_W.platformElements[platform_element_id].deferredObject = new $.Deferred();
_W.platformElements[platform_element_id].deferredPromise = _W.platformElements[platform_element_id].deferredObject.promise();
}

if(_.intersection(_W.loadedPlatformDependencies, dependencies).length !== dependencies.length){
_.reduce(dependencies, function(promise, nextScript){
_W.loadedPlatformDependencies.push(nextScript);
return promise.then(function(){
return $.getScript(nextScript);
});
}, $().promise()).then(function(){
_W.platformElements[platform_element_id].deferredObject.resolve();
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if (dependencies.length === 0){
_W.platformElements[platform_element_id].deferredObject.resolve();
}

_W.platformElements[platform_element_id].deferredPromise.done(function(){
var _ElementDefinition = /**
* This is required for element rendering to be possible
* @type {PlatformElement}
*/
(function() {
var ColoredBox = PlatformElement.extend({

initialize: function() {
}

});

return ColoredBox;
})();

if (typeof _ElementDefinition == ‘undefined’ || typeof _ElementDefinition == ‘null’) {
var _ElementDefinition = PlatformElement.extend({});
}

var _Element = _ElementDefinition.extend({
initialize: function() {
// we still want to call the initialize function defined by the developer
// however, we don’t want to call it until placeholders have been replaced
this.placeholderInterval = setInterval(function() {
// so use setInterval to check for placeholders.
if (this.$(‘.platform-element-child-placeholder’).length == 0) {
clearInterval(this.placeholderInterval);
this.constructor.__super__.initialize.apply(this);
}
}.bind(this), 100);
}
});

_Element.prototype.settings = new PlatformElementSettings({“top_left_radius_each”:[{“top_left_radius_index”:0},{“top_left_radius_index”:1},{“top_left_radius_index”:2},{“top_left_radius_index”:3},{“top_left_radius_index”:4},{“top_left_radius_index”:5},{“top_left_radius_index”:6},{“top_left_radius_index”:7},{“top_left_radius_index”:8},{“top_left_radius_index”:9},{“top_left_radius_index”:10},{“top_left_radius_index”:11},{“top_left_radius_index”:12},{“top_left_radius_index”:13},{“top_left_radius_index”:14},{“top_left_radius_index”:15},{“top_left_radius_index”:16},{“top_left_radius_index”:17},{“top_left_radius_index”:18},{“top_left_radius_index”:19}],”top_right_radius_each”:[{“top_right_radius_index”:0},{“top_right_radius_index”:1},{“top_right_radius_index”:2},{“top_right_radius_index”:3},{“top_right_radius_index”:4},{“top_right_radius_index”:5},{“top_right_radius_index”:6},{“top_right_radius_index”:7},{“top_right_radius_index”:8},{“top_right_radius_index”:9},{“top_right_radius_index”:10},{“top_right_radius_index”:11},{“top_right_radius_index”:12},{“top_right_radius_index”:13},{“top_right_radius_index”:14},{“top_right_radius_index”:15},{“top_right_radius_index”:16},{“top_right_radius_index”:17},{“top_right_radius_index”:18},{“top_right_radius_index”:19}],”bottom_left_radius_each”:[{“bottom_left_radius_index”:0},{“bottom_left_radius_index”:1},{“bottom_left_radius_index”:2},{“bottom_left_radius_index”:3},{“bottom_left_radius_index”:4},{“bottom_left_radius_index”:5},{“bottom_left_radius_index”:6},{“bottom_left_radius_index”:7},{“bottom_left_radius_index”:8},{“bottom_left_radius_index”:9},{“bottom_left_radius_index”:10},{“bottom_left_radius_index”:11},{“bottom_left_radius_index”:12},{“bottom_left_radius_index”:13},{“bottom_left_radius_index”:14},{“bottom_left_radius_index”:15},{“bottom_left_radius_index”:16},{“bottom_left_radius_index”:17},{“bottom_left_radius_index”:18},{“bottom_left_radius_index”:19}],”bottom_right_radius_each”:[{“bottom_right_radius_index”:0},{“bottom_right_radius_index”:1},{“bottom_right_radius_index”:2},{“bottom_right_radius_index”:3},{“bottom_right_radius_index”:4},{“bottom_right_radius_index”:5},{“bottom_right_radius_index”:6},{“bottom_right_radius_index”:7},{“bottom_right_radius_index”:8},{“bottom_right_radius_index”:9},{“bottom_right_radius_index”:10},{“bottom_right_radius_index”:11},{“bottom_right_radius_index”:12},{“bottom_right_radius_index”:13},{“bottom_right_radius_index”:14},{“bottom_right_radius_index”:15},{“bottom_right_radius_index”:16},{“bottom_right_radius_index”:17},{“bottom_right_radius_index”:18},{“bottom_right_radius_index”:19}],”top_padding_each”:[{“top_padding_index”:0},{“top_padding_index”:1},{“top_padding_index”:2},{“top_padding_index”:3},{“top_padding_index”:4},{“top_padding_index”:5},{“top_padding_index”:6},{“top_padding_index”:7},{“top_padding_index”:8},{“top_padding_index”:9},{“top_padding_index”:10},{“top_padding_index”:11},{“top_padding_index”:12},{“top_padding_index”:13},{“top_padding_index”:14},{“top_padding_index”:15},{“top_padding_index”:16},{“top_padding_index”:17},{“top_padding_index”:18},{“top_padding_index”:19}],”bottom_padding_each”:[{“bottom_padding_index”:0},{“bottom_padding_index”:1},{“bottom_padding_index”:2},{“bottom_padding_index”:3},{“bottom_padding_index”:4},{“bottom_padding_index”:5},{“bottom_padding_index”:6},{“bottom_padding_index”:7},{“bottom_padding_index”:8},{“bottom_padding_index”:9},{“bottom_padding_index”:10},{“bottom_padding_index”:11},{“bottom_padding_index”:12},{“bottom_padding_index”:13},{“bottom_padding_index”:14},{“bottom_padding_index”:15},{“bottom_padding_index”:16},{“bottom_padding_index”:17},{“bottom_padding_index”:18},{“bottom_padding_index”:19}],”left_padding_each”:[{“left_padding_index”:0},{“left_padding_index”:1},{“left_padding_index”:2},{“left_padding_index”:3},{“left_padding_index”:4},{“left_padding_index”:5},{“left_padding_index”:6},{“left_padding_index”:7},{“left_padding_index”:8},{“left_padding_index”:9},{“left_padding_index”:10},{“left_padding_index”:11},{“left_padding_index”:12},{“left_padding_index”:13},{“left_padding_index”:14},{“left_padding_index”:15},{“left_padding_index”:16},{“left_padding_index”:17},{“left_padding_index”:18},{“left_padding_index”:19}],”right_padding_each”:[{“right_padding_index”:0},{“right_padding_index”:1},{“right_padding_index”:2},{“right_padding_index”:3},{“right_padding_index”:4},{“right_padding_index”:5},{“right_padding_index”:6},{“right_padding_index”:7},{“right_padding_index”:8},{“right_padding_index”:9},{“right_padding_index”:10},{“right_padding_index”:11},{“right_padding_index”:12},{“right_padding_index”:13},{“right_padding_index”:14},{“right_padding_index”:15},{“right_padding_index”:16},{“right_padding_index”:17},{“right_padding_index”:18},{“right_padding_index”:19}],”background_color”:”#f4f7f8″,”opacity”:100,”top_left_radius”:20,”top_right_radius”:20,”bottom_left_radius”:20,”bottom_right_radius”:20,”top_padding”:20,”bottom_padding”:20,”left_padding”:20,”right_padding”:20});
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_Element.prototype.element_id = “7ad7b9fe-1861-401a-8226-265c2d2678c3”;
_Element.prototype.user_id = “40859893”;
_Element.prototype.site_id = “748682923609045137”;
_Element.prototype.assets_path = “//marketplace.editmysite.com/uploads/b/marketplace-elements-848857247979793891-1.0.1/assets/”;
new _Element({
el: ‘#element-7ad7b9fe-1861-401a-8226-265c2d2678c3’
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} else {
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clear: both;
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width: 100%;
-moz-box-sizing: border-box;
-webkit-box-sizing: border-box;
-ms-box-sizing: border-box;
box-sizing: border-box;
background-color: #99b7ad;
padding-top: 20px;
padding-bottom: 20px;
padding-left: 20px;
padding-right: 20px;
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-moz-border-top-left-radius: 20px;
border-top-left-radius: 20px;
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border-top-right-radius: 20px;
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border-bottom-left-radius: 20px;
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-moz-border-bottom-right-radius: 20px;
border-bottom-right-radius: 20px;
}

Are there any reasons why a claim would not be paid out?

Like any insurance policy, an Income Protection claim must be verified by a doctor before it will be paid out. But in general circumstances, the majority of claims are paid without any issues.

​Most recently, Aviva paid out 93% of all claims submitted in 2020.

function setupElement934134461465494715() {
var requireFunc = window.platformElementRequire || window.require;

// Relies on a global require, specific to platform elements
requireFunc([
‘w-global’,
‘underscore’,
‘jquery’,
‘backbone’,
‘util/platform/elements/PlatformElement’,
‘util/platform/elements/PlatformElementSettings’
], function(
_W,
_,
$,
Backbone,
PlatformElement,
PlatformElementSettings
) {
var dependencies = null || [];
var platform_element_id = “848857247979793891-1.0.1”;

if (typeof _W.loadedPlatformDependencies === ‘undefined’) {
_W.loadedPlatformDependencies = [];
}

if (typeof _W.platformElements === ‘undefined’) {
_W.platformElements = [];
}

if (typeof _W.platformElements[platform_element_id] === ‘undefined’) {
_W.platformElements[platform_element_id] = {};
_W.platformElements[platform_element_id].deferredObject = new $.Deferred();
_W.platformElements[platform_element_id].deferredPromise = _W.platformElements[platform_element_id].deferredObject.promise();
}

if(_.intersection(_W.loadedPlatformDependencies, dependencies).length !== dependencies.length){
_.reduce(dependencies, function(promise, nextScript){
_W.loadedPlatformDependencies.push(nextScript);
return promise.then(function(){
return $.getScript(nextScript);
});
}, $().promise()).then(function(){
_W.platformElements[platform_element_id].deferredObject.resolve();
});
}

if (dependencies.length === 0){
_W.platformElements[platform_element_id].deferredObject.resolve();
}

_W.platformElements[platform_element_id].deferredPromise.done(function(){
var _ElementDefinition = /**
* This is required for element rendering to be possible
* @type {PlatformElement}
*/
(function() {
var ColoredBox = PlatformElement.extend({

initialize: function() {
}

});

return ColoredBox;
})();

if (typeof _ElementDefinition == ‘undefined’ || typeof _ElementDefinition == ‘null’) {
var _ElementDefinition = PlatformElement.extend({});
}

var _Element = _ElementDefinition.extend({
initialize: function() {
// we still want to call the initialize function defined by the developer
// however, we don’t want to call it until placeholders have been replaced
this.placeholderInterval = setInterval(function() {
// so use setInterval to check for placeholders.
if (this.$(‘.platform-element-child-placeholder’).length == 0) {
clearInterval(this.placeholderInterval);
this.constructor.__super__.initialize.apply(this);
}
}.bind(this), 100);
}
});

_Element.prototype.settings = new PlatformElementSettings({“top_left_radius_each”:[{“top_left_radius_index”:0},{“top_left_radius_index”:1},{“top_left_radius_index”:2},{“top_left_radius_index”:3},{“top_left_radius_index”:4},{“top_left_radius_index”:5},{“top_left_radius_index”:6},{“top_left_radius_index”:7},{“top_left_radius_index”:8},{“top_left_radius_index”:9},{“top_left_radius_index”:10},{“top_left_radius_index”:11},{“top_left_radius_index”:12},{“top_left_radius_index”:13},{“top_left_radius_index”:14},{“top_left_radius_index”:15},{“top_left_radius_index”:16},{“top_left_radius_index”:17},{“top_left_radius_index”:18},{“top_left_radius_index”:19}],”top_right_radius_each”:[{“top_right_radius_index”:0},{“top_right_radius_index”:1},{“top_right_radius_index”:2},{“top_right_radius_index”:3},{“top_right_radius_index”:4},{“top_right_radius_index”:5},{“top_right_radius_index”:6},{“top_right_radius_index”:7},{“top_right_radius_index”:8},{“top_right_radius_index”:9},{“top_right_radius_index”:10},{“top_right_radius_index”:11},{“top_right_radius_index”:12},{“top_right_radius_index”:13},{“top_right_radius_index”:14},{“top_right_radius_index”:15},{“top_right_radius_index”:16},{“top_right_radius_index”:17},{“top_right_radius_index”:18},{“top_right_radius_index”:19}],”bottom_left_radius_each”:[{“bottom_left_radius_index”:0},{“bottom_left_radius_index”:1},{“bottom_left_radius_index”:2},{“bottom_left_radius_index”:3},{“bottom_left_radius_index”:4},{“bottom_left_radius_index”:5},{“bottom_left_radius_index”:6},{“bottom_left_radius_index”:7},{“bottom_left_radius_index”:8},{“bottom_left_radius_index”:9},{“bottom_left_radius_index”:10},{“bottom_left_radius_index”:11},{“bottom_left_radius_index”:12},{“bottom_left_radius_index”:13},{“bottom_left_radius_index”:14},{“bottom_left_radius_index”:15},{“bottom_left_radius_index”:16},{“bottom_left_radius_index”:17},{“bottom_left_radius_index”:18},{“bottom_left_radius_index”:19}],”bottom_right_radius_each”:[{“bottom_right_radius_index”:0},{“bottom_right_radius_index”:1},{“bottom_right_radius_index”:2},{“bottom_right_radius_index”:3},{“bottom_right_radius_index”:4},{“bottom_right_radius_index”:5},{“bottom_right_radius_index”:6},{“bottom_right_radius_index”:7},{“bottom_right_radius_index”:8},{“bottom_right_radius_index”:9},{“bottom_right_radius_index”:10},{“bottom_right_radius_index”:11},{“bottom_right_radius_index”:12},{“bottom_right_radius_index”:13},{“bottom_right_radius_index”:14},{“bottom_right_radius_index”:15},{“bottom_right_radius_index”:16},{“bottom_right_radius_index”:17},{“bottom_right_radius_index”:18},{“bottom_right_radius_index”:19}],”top_padding_each”:[{“top_padding_index”:0},{“top_padding_index”:1},{“top_padding_index”:2},{“top_padding_index”:3},{“top_padding_index”:4},{“top_padding_index”:5},{“top_padding_index”:6},{“top_padding_index”:7},{“top_padding_index”:8},{“top_padding_index”:9},{“top_padding_index”:10},{“top_padding_index”:11},{“top_padding_index”:12},{“top_padding_index”:13},{“top_padding_index”:14},{“top_padding_index”:15},{“top_padding_index”:16},{“top_padding_index”:17},{“top_padding_index”:18},{“top_padding_index”:19}],”bottom_padding_each”:[{“bottom_padding_index”:0},{“bottom_padding_index”:1},{“bottom_padding_index”:2},{“bottom_padding_index”:3},{“bottom_padding_index”:4},{“bottom_padding_index”:5},{“bottom_padding_index”:6},{“bottom_padding_index”:7},{“bottom_padding_index”:8},{“bottom_padding_index”:9},{“bottom_padding_index”:10},{“bottom_padding_index”:11},{“bottom_padding_index”:12},{“bottom_padding_index”:13},{“bottom_padding_index”:14},{“bottom_padding_index”:15},{“bottom_padding_index”:16},{“bottom_padding_index”:17},{“bottom_padding_index”:18},{“bottom_padding_index”:19}],”left_padding_each”:[{“left_padding_index”:0},{“left_padding_index”:1},{“left_padding_index”:2},{“left_padding_index”:3},{“left_padding_index”:4},{“left_padding_index”:5},{“left_padding_index”:6},{“left_padding_index”:7},{“left_padding_index”:8},{“left_padding_index”:9},{“left_padding_index”:10},{“left_padding_index”:11},{“left_padding_index”:12},{“left_padding_index”:13},{“left_padding_index”:14},{“left_padding_index”:15},{“left_padding_index”:16},{“left_padding_index”:17},{“left_padding_index”:18},{“left_padding_index”:19}],”right_padding_each”:[{“right_padding_index”:0},{“right_padding_index”:1},{“right_padding_index”:2},{“right_padding_index”:3},{“right_padding_index”:4},{“right_padding_index”:5},{“right_padding_index”:6},{“right_padding_index”:7},{“right_padding_index”:8},{“right_padding_index”:9},{“right_padding_index”:10},{“right_padding_index”:11},{“right_padding_index”:12},{“right_padding_index”:13},{“right_padding_index”:14},{“right_padding_index”:15},{“right_padding_index”:16},{“right_padding_index”:17},{“right_padding_index”:18},{“right_padding_index”:19}],”background_color”:”#99B7AD”,”opacity”:100,”top_left_radius”:20,”top_right_radius”:20,”bottom_left_radius”:20,”bottom_right_radius”:20,”top_padding”:20,”bottom_padding”:20,”left_padding”:20,”right_padding”:20});
_Element.prototype.settings.page_element_id = “934134461465494715”;

_Element.prototype.element_id = “53fbbab6-c816-4acb-8b9e-639a1e2ef095”;
_Element.prototype.user_id = “40859893”;
_Element.prototype.site_id = “748682923609045137”;
_Element.prototype.assets_path = “//marketplace.editmysite.com/uploads/b/marketplace-elements-848857247979793891-1.0.1/assets/”;
new _Element({
el: ‘#element-53fbbab6-c816-4acb-8b9e-639a1e2ef095’
});
});
});

}

if (typeof document.documentElement.appReady == ‘undefined’) {
document.documentElement.appReady = 0;
}

if (document.documentElement.appReady || (window.inEditor && window.inEditor())) {
setupElement934134461465494715();
} else if (document.createEvent && document.addEventListener) {
document.addEventListener(‘appReady’, setupElement934134461465494715, false);
} else {
document.documentElement.attachEvent(‘onpropertychange’, function(event){
if (event.propertyName == ‘appReady’) {
setupElement934134461465494715();
}
});
}

function setupElement594208323703178393() {
var requireFunc = window.platformElementRequire || window.require;

// Relies on a global require, specific to platform elements
requireFunc([
‘w-global’,
‘underscore’,
‘jquery’,
‘backbone’,
‘util/platform/elements/PlatformElement’,
‘util/platform/elements/PlatformElementSettings’
], function(
_W,
_,
$,
Backbone,
PlatformElement,
PlatformElementSettings
) {
var dependencies = null || [];
var platform_element_id = “848857247979793891-1.0.1”;

if (typeof _W.loadedPlatformDependencies === ‘undefined’) {
_W.loadedPlatformDependencies = [];
}

if (typeof _W.platformElements === ‘undefined’) {
_W.platformElements = [];
}

if (typeof _W.platformElements[platform_element_id] === ‘undefined’) {
_W.platformElements[platform_element_id] = {};
_W.platformElements[platform_element_id].deferredObject = new $.Deferred();
_W.platformElements[platform_element_id].deferredPromise = _W.platformElements[platform_element_id].deferredObject.promise();
}

if(_.intersection(_W.loadedPlatformDependencies, dependencies).length !== dependencies.length){
_.reduce(dependencies, function(promise, nextScript){
_W.loadedPlatformDependencies.push(nextScript);
return promise.then(function(){
return $.getScript(nextScript);
});
}, $().promise()).then(function(){
_W.platformElements[platform_element_id].deferredObject.resolve();
});
}

if (dependencies.length === 0){
_W.platformElements[platform_element_id].deferredObject.resolve();
}

_W.platformElements[platform_element_id].deferredPromise.done(function(){
var _ElementDefinition = /**
* This is required for element rendering to be possible
* @type {PlatformElement}
*/
(function() {
var ColoredBox = PlatformElement.extend({

initialize: function() {
}

});

return ColoredBox;
})();

if (typeof _ElementDefinition == ‘undefined’ || typeof _ElementDefinition == ‘null’) {
var _ElementDefinition = PlatformElement.extend({});
}

var _Element = _ElementDefinition.extend({
initialize: function() {
// we still want to call the initialize function defined by the developer
// however, we don’t want to call it until placeholders have been replaced
this.placeholderInterval = setInterval(function() {
// so use setInterval to check for placeholders.
if (this.$(‘.platform-element-child-placeholder’).length == 0) {
clearInterval(this.placeholderInterval);
this.constructor.__super__.initialize.apply(this);
}
}.bind(this), 100);
}
});

_Element.prototype.settings = new PlatformElementSettings({“top_left_radius_each”:[{“top_left_radius_index”:0},{“top_left_radius_index”:1},{“top_left_radius_index”:2},{“top_left_radius_index”:3},{“top_left_radius_index”:4},{“top_left_radius_index”:5},{“top_left_radius_index”:6},{“top_left_radius_index”:7},{“top_left_radius_index”:8},{“top_left_radius_index”:9},{“top_left_radius_index”:10},{“top_left_radius_index”:11},{“top_left_radius_index”:12},{“top_left_radius_index”:13},{“top_left_radius_index”:14},{“top_left_radius_index”:15},{“top_left_radius_index”:16},{“top_left_radius_index”:17},{“top_left_radius_index”:18},{“top_left_radius_index”:19}],”top_right_radius_each”:[{“top_right_radius_index”:0},{“top_right_radius_index”:1},{“top_right_radius_index”:2},{“top_right_radius_index”:3},{“top_right_radius_index”:4},{“top_right_radius_index”:5},{“top_right_radius_index”:6},{“top_right_radius_index”:7},{“top_right_radius_index”:8},{“top_right_radius_index”:9},{“top_right_radius_index”:10},{“top_right_radius_index”:11},{“top_right_radius_index”:12},{“top_right_radius_index”:13},{“top_right_radius_index”:14},{“top_right_radius_index”:15},{“top_right_radius_index”:16},{“top_right_radius_index”:17},{“top_right_radius_index”:18},{“top_right_radius_index”:19}],”bottom_left_radius_each”:[{“bottom_left_radius_index”:0},{“bottom_left_radius_index”:1},{“bottom_left_radius_index”:2},{“bottom_left_radius_index”:3},{“bottom_left_radius_index”:4},{“bottom_left_radius_index”:5},{“bottom_left_radius_index”:6},{“bottom_left_radius_index”:7},{“bottom_left_radius_index”:8},{“bottom_left_radius_index”:9},{“bottom_left_radius_index”:10},{“bottom_left_radius_index”:11},{“bottom_left_radius_index”:12},{“bottom_left_radius_index”:13},{“bottom_left_radius_index”:14},{“bottom_left_radius_index”:15},{“bottom_left_radius_index”:16},{“bottom_left_radius_index”:17},{“bottom_left_radius_index”:18},{“bottom_left_radius_index”:19}],”bottom_right_radius_each”:[{“bottom_right_radius_index”:0},{“bottom_right_radius_index”:1},{“bottom_right_radius_index”:2},{“bottom_right_radius_index”:3},{“bottom_right_radius_index”:4},{“bottom_right_radius_index”:5},{“bottom_right_radius_index”:6},{“bottom_right_radius_index”:7},{“bottom_right_radius_index”:8},{“bottom_right_radius_index”:9},{“bottom_right_radius_index”:10},{“bottom_right_radius_index”:11},{“bottom_right_radius_index”:12},{“bottom_right_radius_index”:13},{“bottom_right_radius_index”:14},{“bottom_right_radius_index”:15},{“bottom_right_radius_index”:16},{“bottom_right_radius_index”:17},{“bottom_right_radius_index”:18},{“bottom_right_radius_index”:19}],”top_padding_each”:[{“top_padding_index”:0},{“top_padding_index”:1},{“top_padding_index”:2},{“top_padding_index”:3},{“top_padding_index”:4},{“top_padding_index”:5},{“top_padding_index”:6},{“top_padding_index”:7},{“top_padding_index”:8},{“top_padding_index”:9},{“top_padding_index”:10},{“top_padding_index”:11},{“top_padding_index”:12},{“top_padding_index”:13},{“top_padding_index”:14},{“top_padding_index”:15},{“top_padding_index”:16},{“top_padding_index”:17},{“top_padding_index”:18},{“top_padding_index”:19}],”bottom_padding_each”:[{“bottom_padding_index”:0},{“bottom_padding_index”:1},{“bottom_padding_index”:2},{“bottom_padding_index”:3},{“bottom_padding_index”:4},{“bottom_padding_index”:5},{“bottom_padding_index”:6},{“bottom_padding_index”:7},{“bottom_padding_index”:8},{“bottom_padding_index”:9},{“bottom_padding_index”:10},{“bottom_padding_index”:11},{“bottom_padding_index”:12},{“bottom_padding_index”:13},{“bottom_padding_index”:14},{“bottom_padding_index”:15},{“bottom_padding_index”:16},{“bottom_padding_index”:17},{“bottom_padding_index”:18},{“bottom_padding_index”:19}],”left_padding_each”:[{“left_padding_index”:0},{“left_padding_index”:1},{“left_padding_index”:2},{“left_padding_index”:3},{“left_padding_index”:4},{“left_padding_index”:5},{“left_padding_index”:6},{“left_padding_index”:7},{“left_padding_index”:8},{“left_padding_index”:9},{“left_padding_index”:10},{“left_padding_index”:11},{“left_padding_index”:12},{“left_padding_index”:13},{“left_padding_index”:14},{“left_padding_index”:15},{“left_padding_index”:16},{“left_padding_index”:17},{“left_padding_index”:18},{“left_padding_index”:19}],”right_padding_each”:[{“right_padding_index”:0},{“right_padding_index”:1},{“right_padding_index”:2},{“right_padding_index”:3},{“right_padding_index”:4},{“right_padding_index”:5},{“right_padding_index”:6},{“right_padding_index”:7},{“right_padding_index”:8},{“right_padding_index”:9},{“right_padding_index”:10},{“right_padding_index”:11},{“right_padding_index”:12},{“right_padding_index”:13},{“right_padding_index”:14},{“right_padding_index”:15},{“right_padding_index”:16},{“right_padding_index”:17},{“right_padding_index”:18},{“right_padding_index”:19}],”background_color”:”##”,”opacity”:100,”top_left_radius”:20,”top_right_radius”:20,”bottom_left_radius”:20,”bottom_right_radius”:20,”top_padding”:20,”bottom_padding”:20,”left_padding”:20,”right_padding”:20});
_Element.prototype.settings.page_element_id = “594208323703178393”;

_Element.prototype.element_id = “1781ace4-9813-41e8-87ec-73a8c407fc9f”;
_Element.prototype.user_id = “40859893”;
_Element.prototype.site_id = “748682923609045137”;
_Element.prototype.assets_path = “//marketplace.editmysite.com/uploads/b/marketplace-elements-848857247979793891-1.0.1/assets/”;
new _Element({
el: ‘#element-1781ace4-9813-41e8-87ec-73a8c407fc9f’
});
});
});

}

if (typeof document.documentElement.appReady == ‘undefined’) {
document.documentElement.appReady = 0;
}

if (document.documentElement.appReady || (window.inEditor && window.inEditor())) {
setupElement594208323703178393();
} else if (document.createEvent && document.addEventListener) {
document.addEventListener(‘appReady’, setupElement594208323703178393, false);
} else {
document.documentElement.attachEvent(‘onpropertychange’, function(event){
if (event.propertyName == ‘appReady’) {
setupElement594208323703178393();
}
});
}

No one likes to consider the repercussions if they were to suffer a long-term illness.  
​But having a financial cushion in place can at least help alleviate any financial worries that may arise.
 
The reduction in 2014 in the length of time Public Sector employees can take paid sick leave has made Income Protection more of a priority for people than ever, with over 60,000 Public Sector workers in Ireland now under cover.

Request an Income Protection review

Submit your details below to speak to one of our team in relation to Income Protection
    * Indicates required field

    Name *

    First

    Last

    Phone Number *

    Email Address *

    Location *

    Note: *

    GDPR *

    Tick here to confirm that you agree to be contacted by Irish Pensions & Finance in relation to services provided.

#element-d4c3b00b-80a1-4432-9e59-106986d7098f .colored-box-content {
clear: both;
float: left;
width: 100%;
-moz-box-sizing: border-box;
-webkit-box-sizing: border-box;
-ms-box-sizing: border-box;
box-sizing: border-box;
background-color: #0c3827;
padding-top: 20px;
padding-bottom: 20px;
padding-left: 20px;
padding-right: 20px;
-webkit-border-top-left-radius: 20px;
-moz-border-top-left-radius: 20px;
border-top-left-radius: 20px;
-webkit-border-top-right-radius: 20px;
-moz-border-top-right-radius: 20px;
border-top-right-radius: 20px;
-webkit-border-bottom-left-radius: 20px;
-moz-border-bottom-left-radius: 20px;
border-bottom-left-radius: 20px;
-webkit-border-bottom-right-radius: 20px;
-moz-border-bottom-right-radius: 20px;
border-bottom-right-radius: 20px;
}

Alternatively, you can
contact us by phone
or email as below.

We look forward to
​hearing from you.

Phone:
01 8298500

Email:
​info@ipf.ie

function setupElement776604342124631588() {
var requireFunc = window.platformElementRequire || window.require;

// Relies on a global require, specific to platform elements
requireFunc([
‘w-global’,
‘underscore’,
‘jquery’,
‘backbone’,
‘util/platform/elements/PlatformElement’,
‘util/platform/elements/PlatformElementSettings’
], function(
_W,
_,
$,
Backbone,
PlatformElement,
PlatformElementSettings
) {
var dependencies = null || [];
var platform_element_id = “848857247979793891-1.0.1”;

if (typeof _W.loadedPlatformDependencies === ‘undefined’) {
_W.loadedPlatformDependencies = [];
}

if (typeof _W.platformElements === ‘undefined’) {
_W.platformElements = [];
}

if (typeof _W.platformElements[platform_element_id] === ‘undefined’) {
_W.platformElements[platform_element_id] = {};
_W.platformElements[platform_element_id].deferredObject = new $.Deferred();
_W.platformElements[platform_element_id].deferredPromise = _W.platformElements[platform_element_id].deferredObject.promise();
}

if(_.intersection(_W.loadedPlatformDependencies, dependencies).length !== dependencies.length){
_.reduce(dependencies, function(promise, nextScript){
_W.loadedPlatformDependencies.push(nextScript);
return promise.then(function(){
return $.getScript(nextScript);
});
}, $().promise()).then(function(){
_W.platformElements[platform_element_id].deferredObject.resolve();
});
}

if (dependencies.length === 0){
_W.platformElements[platform_element_id].deferredObject.resolve();
}

_W.platformElements[platform_element_id].deferredPromise.done(function(){
var _ElementDefinition = /**
* This is required for element rendering to be possible
* @type {PlatformElement}
*/
(function() {
var ColoredBox = PlatformElement.extend({

initialize: function() {
}

});

return ColoredBox;
})();

if (typeof _ElementDefinition == ‘undefined’ || typeof _ElementDefinition == ‘null’) {
var _ElementDefinition = PlatformElement.extend({});
}

var _Element = _ElementDefinition.extend({
initialize: function() {
// we still want to call the initialize function defined by the developer
// however, we don’t want to call it until placeholders have been replaced
this.placeholderInterval = setInterval(function() {
// so use setInterval to check for placeholders.
if (this.$(‘.platform-element-child-placeholder’).length == 0) {
clearInterval(this.placeholderInterval);
this.constructor.__super__.initialize.apply(this);
}
}.bind(this), 100);
}
});

_Element.prototype.settings = new PlatformElementSettings({“top_left_radius_each”:[{“top_left_radius_index”:0},{“top_left_radius_index”:1},{“top_left_radius_index”:2},{“top_left_radius_index”:3},{“top_left_radius_index”:4},{“top_left_radius_index”:5},{“top_left_radius_index”:6},{“top_left_radius_index”:7},{“top_left_radius_index”:8},{“top_left_radius_index”:9},{“top_left_radius_index”:10},{“top_left_radius_index”:11},{“top_left_radius_index”:12},{“top_left_radius_index”:13},{“top_left_radius_index”:14},{“top_left_radius_index”:15},{“top_left_radius_index”:16},{“top_left_radius_index”:17},{“top_left_radius_index”:18},{“top_left_radius_index”:19}],”top_right_radius_each”:[{“top_right_radius_index”:0},{“top_right_radius_index”:1},{“top_right_radius_index”:2},{“top_right_radius_index”:3},{“top_right_radius_index”:4},{“top_right_radius_index”:5},{“top_right_radius_index”:6},{“top_right_radius_index”:7},{“top_right_radius_index”:8},{“top_right_radius_index”:9},{“top_right_radius_index”:10},{“top_right_radius_index”:11},{“top_right_radius_index”:12},{“top_right_radius_index”:13},{“top_right_radius_index”:14},{“top_right_radius_index”:15},{“top_right_radius_index”:16},{“top_right_radius_index”:17},{“top_right_radius_index”:18},{“top_right_radius_index”:19}],”bottom_left_radius_each”:[{“bottom_left_radius_index”:0},{“bottom_left_radius_index”:1},{“bottom_left_radius_index”:2},{“bottom_left_radius_index”:3},{“bottom_left_radius_index”:4},{“bottom_left_radius_index”:5},{“bottom_left_radius_index”:6},{“bottom_left_radius_index”:7},{“bottom_left_radius_index”:8},{“bottom_left_radius_index”:9},{“bottom_left_radius_index”:10},{“bottom_left_radius_index”:11},{“bottom_left_radius_index”:12},{“bottom_left_radius_index”:13},{“bottom_left_radius_index”:14},{“bottom_left_radius_index”:15},{“bottom_left_radius_index”:16},{“bottom_left_radius_index”:17},{“bottom_left_radius_index”:18},{“bottom_left_radius_index”:19}],”bottom_right_radius_each”:[{“bottom_right_radius_index”:0},{“bottom_right_radius_index”:1},{“bottom_right_radius_index”:2},{“bottom_right_radius_index”:3},{“bottom_right_radius_index”:4},{“bottom_right_radius_index”:5},{“bottom_right_radius_index”:6},{“bottom_right_radius_index”:7},{“bottom_right_radius_index”:8},{“bottom_right_radius_index”:9},{“bottom_right_radius_index”:10},{“bottom_right_radius_index”:11},{“bottom_right_radius_index”:12},{“bottom_right_radius_index”:13},{“bottom_right_radius_index”:14},{“bottom_right_radius_index”:15},{“bottom_right_radius_index”:16},{“bottom_right_radius_index”:17},{“bottom_right_radius_index”:18},{“bottom_right_radius_index”:19}],”top_padding_each”:[{“top_padding_index”:0},{“top_padding_index”:1},{“top_padding_index”:2},{“top_padding_index”:3},{“top_padding_index”:4},{“top_padding_index”:5},{“top_padding_index”:6},{“top_padding_index”:7},{“top_padding_index”:8},{“top_padding_index”:9},{“top_padding_index”:10},{“top_padding_index”:11},{“top_padding_index”:12},{“top_padding_index”:13},{“top_padding_index”:14},{“top_padding_index”:15},{“top_padding_index”:16},{“top_padding_index”:17},{“top_padding_index”:18},{“top_padding_index”:19}],”bottom_padding_each”:[{“bottom_padding_index”:0},{“bottom_padding_index”:1},{“bottom_padding_index”:2},{“bottom_padding_index”:3},{“bottom_padding_index”:4},{“bottom_padding_index”:5},{“bottom_padding_index”:6},{“bottom_padding_index”:7},{“bottom_padding_index”:8},{“bottom_padding_index”:9},{“bottom_padding_index”:10},{“bottom_padding_index”:11},{“bottom_padding_index”:12},{“bottom_padding_index”:13},{“bottom_padding_index”:14},{“bottom_padding_index”:15},{“bottom_padding_index”:16},{“bottom_padding_index”:17},{“bottom_padding_index”:18},{“bottom_padding_index”:19}],”left_padding_each”:[{“left_padding_index”:0},{“left_padding_index”:1},{“left_padding_index”:2},{“left_padding_index”:3},{“left_padding_index”:4},{“left_padding_index”:5},{“left_padding_index”:6},{“left_padding_index”:7},{“left_padding_index”:8},{“left_padding_index”:9},{“left_padding_index”:10},{“left_padding_index”:11},{“left_padding_index”:12},{“left_padding_index”:13},{“left_padding_index”:14},{“left_padding_index”:15},{“left_padding_index”:16},{“left_padding_index”:17},{“left_padding_index”:18},{“left_padding_index”:19}],”right_padding_each”:[{“right_padding_index”:0},{“right_padding_index”:1},{“right_padding_index”:2},{“right_padding_index”:3},{“right_padding_index”:4},{“right_padding_index”:5},{“right_padding_index”:6},{“right_padding_index”:7},{“right_padding_index”:8},{“right_padding_index”:9},{“right_padding_index”:10},{“right_padding_index”:11},{“right_padding_index”:12},{“right_padding_index”:13},{“right_padding_index”:14},{“right_padding_index”:15},{“right_padding_index”:16},{“right_padding_index”:17},{“right_padding_index”:18},{“right_padding_index”:19}],”background_color”:”#0C3827″,”opacity”:100,”top_left_radius”:20,”top_right_radius”:20,”bottom_left_radius”:20,”bottom_right_radius”:20,”top_padding”:20,”bottom_padding”:20,”left_padding”:20,”right_padding”:20});
_Element.prototype.settings.page_element_id = “776604342124631588”;

_Element.prototype.element_id = “d4c3b00b-80a1-4432-9e59-106986d7098f”;
_Element.prototype.user_id = “40859893”;
_Element.prototype.site_id = “748682923609045137”;
_Element.prototype.assets_path = “//marketplace.editmysite.com/uploads/b/marketplace-elements-848857247979793891-1.0.1/assets/”;
new _Element({
el: ‘#element-d4c3b00b-80a1-4432-9e59-106986d7098f’
});
});
});

}

if (typeof document.documentElement.appReady == ‘undefined’) {
document.documentElement.appReady = 0;
}

if (document.documentElement.appReady || (window.inEditor && window.inEditor())) {
setupElement776604342124631588();
} else if (document.createEvent && document.addEventListener) {
document.addEventListener(‘appReady’, setupElement776604342124631588, false);
} else {
document.documentElement.attachEvent(‘onpropertychange’, function(event){
if (event.propertyName == ‘appReady’) {
setupElement776604342124631588();
}
});
}