Ideally, you should apply for occupational incapacity benefits as soon as possible.
With Income Protection coverage, you’ll get an extra sweetener in your bank account every month on top of your state benefits while you’re off on extended sick leave. A welcome financial boost, particularly if you’re at home caring for a newborn baby or undergoing treatment for a critical illness.
Pregnancy and childbirth: If you’re pregnant, what should you do to get ready for your new arrival? Are you also entitled to a replacement income after the birth of your child?
Treatment for a critical illness: Find out how your insurance can help if you’ve been diagnosed with a critical illness