My Sick Pay

In a nutshell

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.

What is it?

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're in control

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.

My Sick Pay basics

65% of earnings

You can protect up to 65% of what you earn before tax.

'Own job' Cover

We pay out if you can’t carry out your normal job.

Covers illness, accident and injury

My Sick Pay covers you whether you get ill or have an accident or injury - wherever it happens.

Three things to be mindful of

1. Keeping payments up to date

If you stop your monthly payments, we won't be able to pay you Sick Pay if you need to claim.

2. My Sick Pay may affect state benefits

Speak to your Adviser to see how state benefits might affect how much Sick Pay you need.

3. What's not covered

My Sick Pay covers lost earnings from illness or accidents that make you too unwell to work. It’s not unemployment insurance.

Flexible options to suit your needs

Time to wait before your claim is paid

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.

Choice of cover

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.

Keep up with living costs

You can choose for your Sick Pay to increase with the cost of living.

Room to move

We know that life changes – so you can increase or decrease your cover to suit you.

Taking a break

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. 

Choice of Price Options

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.

With great support

Member Assistance Programme

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.

Topping up your earnings

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. 

It's free while we're paying you Sick Pay

We won’t collect any money from you while we’re paying you Sick Pay, so it’s free while you’re claiming. 

Things to consider

Can I buy My Sick Pay?

My Sick Pay is available to you if:

  • You’re working in a job that we can quote for (which is most jobs) 
  • You’re aged 18-59 (the age may need to be less than 59 for some jobs) 
  • You’re normally working at least 16 hours a week and pay income tax in the UK when you buy My Sick Pay (and also in the future to be able to claim) 
  • You’re either employed or self-employed. If you’re self-employed you’ll need to have been trading for at least 6 months 
  • You have a UK bank account in your name that you can pay your direct debit from 
  • You’ve been both a resident in the UK and registered with a UK GP for the last 3 years

Things to be aware of

  • My Sick Pay do not cover you for redundancy or unemployment caused by anything other than illness or accidental injury.

For more information, please read the Key Features Document.

How to buy

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:

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