Long Term Income Protection will payout if you are unable to work due to an accident or sickness.
The cover will normally pay out a percentage of your salary up until your 60th birthday or until you are fit to return back to work. You can claim as many times as you like under the terms of this policy and would normally defer benefits until after any payments from your employer cease. If you are an employer, this cover could be an invaluable benefit to offer your staff to aid employee retention. This type of protection is only available to certain Nationalities.