Supporting your team through life’s challenges
Group Income Protection provides vital financial security for your employees if illness or injury prevents them from working. It also helps your business maintain stability, productivity, and a strong reputation for supporting staff wellbeing during challenging times.
At Patterson-Mills, we work independently across the whole market to find, negotiate, and tailor the right Group Income Protection policy for your needs. We focus on helping you secure competitive premiums, flexible coverage options, and valuable added services such as rehabilitation support and return-to-work assistance.
If you are introducing Group Income Protection for the first time, expanding your benefits package, or reviewing an existing scheme, we are here to help you create a solution that delivers real value for both your employees and your business.
Our expert advice ensures your policy aligns with your wider benefits strategy, budget, and company objectives, now and into the future.
How we work with you – Tailoring solutions for long-term support
Understanding your workforce
We take time to understand your business demographics, needs, and risk profile to design a Group Income Protection solution that fits your organisation perfectly.
Whole-of-market insurer search
We independently survey the market, obtaining competitive terms, flexible waiting periods, benefit structures, and embedded wellbeing services tailored to your priorities.
Negotiating preferential terms
We use our expertise and insurer relationships to negotiate attractive premium rates and policy terms, ensuring your scheme is both valuable and cost-efficient.
Implementation and communication
We manage the setup process, liaise with the provider, and help you clearly communicate the benefits of the scheme to your employees for maximum engagement.
Ongoing claims and wellbeing support
We remain available throughout the policy year to assist with claims queries, help manage rehabilitation support, and offer guidance to maximise the policy’s benefits.
Annual review and market benchmarking
Each year, we review your scheme, benchmark it against current market conditions, and provide clear recommendations to maintain best value and strong protection standards.
How to get started
Discuss your business and workforce needs
We begin with an initial conversation to understand your objectives, employee demographics, budget, and the role you want Income Protection to play in your overall benefits strategy.
Receive your Group Income Protection proposal
We deliver a full market review and provide you with detailed insurer options, pricing comparisons, policy structures, and professional recommendations, clearly explained for easy decision-making.
Implement your scheme with full support
Once you are happy with the plan, we manage every aspect of scheme setup, provider communication, employee onboarding, and ongoing support to make the process seamless and effective.
You can contact our team directly at: employeebenefits@pattersonmills.com.
The Patterson-Mills difference
At Patterson-Mills, we take an independent and highly proactive approach to Group Income Protection. We do not just arrange policies, we help ensure your scheme truly delivers when it matters most.
From securing the best terms, to providing direct support with claims management, rehabilitation, and return-to-work strategies, our service is designed to provide real, ongoing value to your business and your employees.
We are proud to offer tailored guidance, direct adviser access, and annual scheme reviews to keep your benefits strategy strong, relevant, and trusted by your workforce year after year.
Key facts about Income Protection
Payment of Benefit
For a consecutive period of at least 24 months, or right up to State Pension Age, your Staff would be paid an income during the whole of the benefit period for as long as they are off sick, index-linked annually (up to a 5% maximum).
Period before benefit is payable
26 weeks (the “deferred period”) is the initial period of sickness for which no benefit is payable from the Scheme.
Definition of incapacity
Incapacity is when illness or injury prevents a Member from performing the material and substantial duties of their normal occupation throughout the deferred period and beyond.
Scheme salary
Cover is based on the Member’s current basic annual salary or wages only.
Basic benefit
75% of ‘scheme salary’ less the ‘State scheme deduction’ (i.e. the annual amount, before deduction of tax, of the gross UK employment and support allowance plus the work-related activity component).
Taxation
Benefits are taxed as income, usually via payroll, while premium costs are paid entirely by the Employer and are not a taxable benefit for the Member.
Cease age
Cover applies up to age 65 for all Members unless otherwise agreed.
Claims process
Claim forms are obtained from the insurer, quoting the Member’s name and policy reference, or via your HR Manager or Director.