Irish Pensions and Finance

Income Protection

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.

What is Income Protection?

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

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.

Why would I need Income Protection?

Income Protection is not for everyone, but we would always suggest you consider if your family could manage financially without your income. If the answer is no, you may need to consider Income Protection

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. The most common reasons we see are:

– Stress / Anxiety / Mental Health

– Back or limb injuries

– Pregnancy related illness

– Cancer

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

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

Most recently, Aviva paid out 93% of claims in 2022.


Request an Income Protection review

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01 8298500