We’re here for one reason, which is to make sure you can keep paying the bills.
We'll pay you money each month if you're too unwell to work because you're ill or have had an accident.
My Sick Pay is your own sick pay insurance, putting you in control so you don’t have to rely on others for financial help. You'll need a Financial Adviser to be able to buy My Sick Pay.
You can choose how to set it up. You can take it with you from job to job. And it’s up to you how you spend your Sick Pay.
It’s available whether you’re employed or self-employed.
You can protect up to 65% of what you earn before tax.
We pay out if you can’t carry out your normal job.
My Sick Pay covers you whether you get ill or have an accident or injury - wherever it happens.
If you stop your monthly payments, we won't be able to pay you Sick Pay if you need to claim.
Speak to your Adviser to see how state benefits might affect how much Sick Pay you need.
My Sick Pay covers lost earnings from illness or accidents that make you too unwell to work. It’s not unemployment insurance.
Your adviser will help you choose how many weeks to wait between becoming too unwell to work and when we start paying you Sick Pay. Choose from 1, 4, 8, 13, 26 or 52 weeks.
You can choose Sick Pay that pays out for up to 1 year, 2 years, or for as long as you’re sick, up to the date your insurance ends.
You can choose for your Sick Pay to increase with the cost of living.
We know that life changes – so you can increase or decrease your cover to suit you.
After you’ve had My Sick Pay for 3 years you can pause your cover and your monthly payments for up to 6 months at a time.
We offer two price options: a level price that won’t go up because you’ve got older, or age based prices that start lower and go up as you get older.
We don’t just support Members when they are claiming, we offer a helping hand to all our Members from practical advice to mental health support.
If we're paying you Sick Pay and you can't go back to work full time, or take up a new role with lower pay, we'll help to top up your earnings for up to a year.
We won’t collect any money from you while we’re paying you Sick Pay, so it’s free while you’re claiming.
My Sick Pay is available to you if:
For more information, please read the Key Features Document.
To make sure you choose the right options for you that meets your unique needs we always sell through Advisers.
Find an Adviser that's right for you:
