Without the hard work of nurses like you, our National Health Service would not be around.
We really appreciate and value the work you do.
Luckily, NHS employees can get up to six months of full pay and six months of half pay if they are ill and doctors say they can’t work. This is very generous, but your right to it may depend on how long you’ve worked for the NHS (as per Agenda for Change).
Would you be able to keep up with your bills if you became ill or injured and could not work for an extended period? You might want to think about getting a nurse’s income protection policy if you don’t get sick pay from the NHS or if you need additional financial support.
Income protection payouts are an insurance plan that can give you a steady income and protect your savings.
Scarily, a lot of Brits depend on their employers enhanced sick pay policies or their legal right to statutory sick pay to get by when they can’t work. Most likely, you won’t be able to get these benefits if you work as a locum nurse. You will be considered self-employed and get paid through your own limited company or an umbrella company
Therefore, an income protection plan is essential for locum nurses.
But nurses’ income protection plans are not just about the short term.
They are also about protecting your long-term financial security.
If you got sick or hurt and were told by a doctor that you couldn’t work again, your income protection plan could pay you a percentage of your nursing income until you reach retirement age (or the end of your policy term).
In our view, income protection insurance is about risk management.
For just a few extra pounds a month, you could make sure that you and your family have enough money to cover any unexpected expenses.
Our income protection plans for nurses are designed to give you peace of mind that your money will be taken care of in almost any situation.
Salary protection insurance will cover you for many physical and mental illnesses.
Receive 50-70% of your salary until you are medically fit to return to work.
If you are signed off work indefinitely, you could benefit from an ongoing income until your policy ends or you reach retirement age (whichever comes first)
Make as many claims as you need during the policy period.
If you work for the NHS, you can get a payment for income protection along with your NHS occupational sick pay policy (potentially giving you six months of full pay). This is because income protection is a private insurance plan that can payout at the same time as any occupational sick pay policies from your employer.
It’s a must-have for locum nurses. Your income protection plan will give you a steady income until you are healthy enough to start your next locum contract.
We don’t want you to need to use your insurance to protect your income.
We want you to fly high for the rest of your career; salary protection will help you do that.
