Group Income Protection

Supporting your clients to reduce long-term sickness absence

Help your clients provide financial and practical support to employees when they’re unable to work due to long-term illness or injury. Your clients can demonstrate a caring attitude towards employees, while allowing them to focus on their health, recovery and return to work.

Expert case managers

Our dedicated case managers will work closely with your clients' employees during the claims process, to help them make a safe and timely return to work

A proactive approach

We'll proactively manage health issues in the workplace, with the aim of reducing long-term absence in your clients' businesses

Focus on wellbeing

Our wide range of wellbeing services can help your clients to create a healthier, happier workforce

Product details

Why Aviva Group Income Protection?

We’re experts in Group Income Protection, helping employees with their rehabilitation, recovery and, most importantly, their return to work. In addition to providing financial support when needed, this policy is heavily supported by our clinical expertise. We pro-actively look for ways to offer support that could improve the health and wellbeing of your client's workforce. 

Over the years, we’ve perfected our underwriting and claims processes, making them simple, efficient, effective and accountable. This means the policy’s easy to set-up, reducing the administration for your clients.

Features

Features of Group Income Protection cover:

Tax efficient premiums – under current UK tax laws, premiums will normally qualify as an allowable business expense 

Flexible cover – different levels of cover can be chosen with our policy, grouping employees by multiples of salary or lump sum limits 

Free cover limit - up to a maximum benefit of £150,000, without the need for medical underwriting

Once only underwriting - medical underwriting will normally only take place once regardless of any subsequent increases in benefit 

Tele-interviewing – enables essential medical information to be captured by specialists to speed up underwriting decisions 

Cover from day one – we provide up to 180 days full cover during the underwriting process, excluding any pre-existing conditions 

Inflation protected benefits – an option to include a claim escalator, either fixed amounts, linked to the Retail Prices Index (RPI) or linked to Consumer Price Index (CPI)

Wellbeing services – Our Group Income Protection cover gives access to a range of wellbeing services, designed to help provide emotional and practical support.

Members overseas – Each member must maintain a UK, Channel Islands or the Isle of Man registered contract of employment and be working in one of our listed standard territories, or other previously agreed locations. You must tell us about any members who are working overseas at the policy start date or rate guarantee date. We may wish to apply special terms and conditions to cover overseas members.

Information about tax is based on our understanding of current legislation. The law relating to tax may change in the future.

Selling and setting up a policy

What's needed to set up a policy?

Key points to cover with your client

Opportunities to sell

Wellbeing services

We’re dedicated to helping people live their best lives. 

With Group Income Protection, your client's employees get access to expert clinical help when they need it. Alongside that and the financial support it offers, your client's employees get a fully rounded suite of wellbeing services to help them make informed, balanced and positive lifestyle choices. And if the going gets tough, we also have support services to help them cope, with stress and grief.

These are non-contractual services, which can be withdrawn by Aviva at any time. The services are available to employees who are permanent residents of Great Britain, Northern Ireland, the Channel Islands or the Isle of Man. 

 

For more information please visit our Group Income Protection Wellbeing Services page or read our brochure

Aviva DigiCare+ Workplace - provided by Square Health

Employee Assistance Programme (EAP)

Thrive

Aviva Line Manager Toolkit: Mental Health

Workplace Wellbeing

Get Active

Wellbeing Library

Claims

Demonstrating our claims expertise to your clients

Making a claim

Get in touch

Adviser Business Accelerator

Whether you're looking to accelerate your website, attract and retain clients or improve your social media performace - check out the Adviser Business Accelerator.

From how to develop an effective email marketing strategy, winning back lapsed customers, utilising online content and much more, the Adviser Business Accelerator has got you covered. 

Visit the Adviser Business Accelerator today.

Group Income Protection brought to life

Learn more about some of the many features and benefits of Group Income Protection by watching these short videos.

Please enable your browser JavaScript to view the video

Transcript

Group Income Protection early intervention and rehabilitation 

People are the beating heart of every business, so it makes perfect sense for employers to do what they can to keep their staff happy, fit, and healthy.

As employers ourselves, we know just how important this is – and we’re here to help business owners take good care of their workforce. Looking after the wellbeing of employees is a good place for all of us to start.

This helps to show them just how important they are.  And it also makes good business sense as improved wellbeing leads to better staff engagement and retention.

It also helps reduce absenteeism and helps a business stand out from the crowd. So, how can we help?

Our workplace wellbeing training courses give managers the confidence to recognise, understand and better handle wellbeing issues.

But improving wellbeing can also be as simple as setting up activity clubs or choirs, making use of staff’s own skills, and promoting existing benefits available to employees. Increasing an employer’s focus on staff health and wellbeing is a great way to head off potential problems.

But a wellbeing strategy can’t fix everything. We all know that some employees will inevitably come up against problems – anything from joint issues or mental health concerns to a life-threatening illness.

When it happens, we’ve found that the sooner we can help your employees, the sooner they can begin their recovery. That’s why we encourage employers to contact us as soon as possible.

By getting help for employees quickly, they have a better chance of staying in work, or coming back to work sooner rather than later. Great news for everyone.

At Aviva, we use our extensive experience to get the best outcomes for everyone. That’s why our services are there to help employees through their illness, whether they’re dealing with cancer, musculoskeletal conditions, or mental health issues.

It’s also why we invest in proactive clinical treatments and therapies. Our team has a wealth of clinical and rehabilitation knowledge and experience. Plus, they have access to an army of medical staff, specialising in everything from cardiology to counselling, orthopaedics to oncology, physiotherapy to psychiatry.

We all know how difficult this time can be, so we keep the claims process as simple and personal as possible. Instead of filling in forms while they’re feeling unwell, an employee can simply have a chat with their dedicated case manager, who will get things moving as quickly as possible.

This approach also helps us assess what kind of rehabilitation support they need.

With Aviva we offer employers a rounded approach to keeping their workforce fit and healthy.

It takes Aviva to help your clients employees live their happiest, healthiest lives.

To find out more, search for Aviva advisers or visit aviva.co.uk 

 

Group Income Protection claims pathways

Good health counts for so much, so if an employee faces a long period off work due to ill-health or injury, it can create all sorts of worries. And for employers, employee absence brings its own challenges.  

Our Group Income Protection claims pathway can help ease the strain for all. Even before absence occurs, we’re here for you.

Health can start to deteriorate while an employee is still at work, so engage with us early so we can step in and try to avoid absence. Where time off is needed to help manage symptoms and aid recovery, we’ll support you both, not only during the claims process, but throughout any eventual return to work. 

We’ll assign a dedicated case manager to manage all aspects of your claim and aim to confirm payment before the end of the deferred period. They’ll take information by phone to understand symptoms, treatment pathways and any obstacles which might be preventing a return to work.

There are no forms to complete and our e-signature process makes providing consent quick and easy. Our pathways are adapted to the employee’s needs and circumstances.

In addition to our general pathway, extra support can be offered for employees experiencing health problems, such as poor mental health, cancer, musculoskeletal issues or health issues as a result of Covid-19.

From early intervention, to rehabilitation, your case manager is there every step of the way. To offer the right care, they’re supported by a team of clinical experts, from psychologists to physiotherapists, occupational health nurses to psychiatric nurses and more.

And, they can expand their support to the line manager, HR or occupational health representative. Rehabilitation support is always considered. And, if needed, rehabilitative funding may be available.

If the time comes for your employee to return to work, your case manager will work with you both alongside necessary medical professionals to help devise and implement a safe and effective return to work plan. 

Engage with us and let us take away some of the strain. For more information please speak to your usual Aviva contact or visit us online


Thrive: Mental Wellbeing app

Everyone faces struggles at times, but where do you go if you need a little support? The Thrive Mental Wellbeing app could help when you’re feeling overwhelmed or if you simply want to stay on top of your mental wellbeing.

Approved by the NHS, the app helps you manage your mental wellbeing, anytime, anywhere. You can use it to manage, track and record your feelings through a range of online activities, tools, and techniques, completely confidentially.

And doing so can help you identify and prevent common mental health conditions. If the app recognises you may benefit from further support, it will offer you options tailored to you.

We all lead busy lives, and our wellbeing is just as important as the next person’s, so it’s important to take time out for ourselves. To help you manage your mental resilience, the app gives you access to short, simple activities.

These will help you learn different ways to relax, including mindfulness techniques, a Cognitive Behavioural Therapy programme and meditation. 

When it comes to everyday situations, we all think and react differently. By helping you understand why you might feel a certain way, both physically and mentally, the app can offer you a way to see your situation more positively.

The more you use the app, the more it learns about you. It will then be able to suggest tailored goals to help you manage your emotional wellbeing.

These simple goals could include a spot of meditation, deep muscle relaxation or taking a walk to help you feel better both physically and mentally. And you can look back on previous results to help you build a fuller picture of your thoughts, feelings, and perceptions in different situations.

If you feel you need information or one-on-one support, you can contact one of the friendly Employee Assistance Programme counsellors through the app. 

The app is available as part of the Aviva Group Income Protection Employee Assistance Programme. Why? Because you’re important and so is your wellbeing.                                            

You can download the Thrive Mental Wellbeing app for free from the app store. Mobile data charges may apply.

To register, you’ll need an access code, available from your employer, and to agree to the app terms and conditions.  


Workplace Wellbeing Solutions 

The benefits of a healthy workforce can be far reaching. So, it’s no wonder wellbeing is moving up the agenda for most employers.

We all struggle to keep on top of what life throws at us, whether that’s illness, stress, physical issues, financial worries or other difficulties.

Often one can lead to another, and all can have big impacts on employees and employers alike.

That’s why we offer Workplace Wellbeing solutions as part of our Group Income Protection cover.

Helping you and your teams create a healthier, happier workforce, which could mean less sickness absence and lower costs to your business.

Our services focus on helping you strengthen the mental, physical and emotional wellbeing of your employees.

Our line manager training solutions and courses are delivered by a network of experts, who can help you tackle different challenges.

Help you get your employees back in control and help you identify and prevent problems from spiralling.

Take mental health as an example, a major cause of workplace absenteeism. 

You’ll have access to a range of line manager training solutions, delivered by clinical experts, designed to help you spot and manage mental health issues in your workplace.

We can help you make a difference with wellbeing and inspire positive behavioural change throughout your business.

Together we can create bespoke programmes to help meet the needs of your business.

Get in touch with us today.

We’ll get back to you to talk about your training needs, timescales and any potential costs.

How to apply

Email our team on
GroupProtectionSalesSupport@aviva.com

or speak to your Aviva account manager. 

 

If you're applying for a business with under 250 lives you can use our online system,

Aviva Group Protection Online.

 

If your query relates to an existing policy please call

0800 051 3472

or email

GroupProtectionSalesSupport@aviva.com

Lines are open 9.00am – 5.00pm, Monday – Friday. 

For our joint protection, telephone calls may be recorded and monitored and will be saved for a minimum of five years. Calls to 0800 numbers from UK landlines and mobiles are free. 

Related products

Group Life

Giving employees the reassurance that their loved ones will have some financial support, should the worst happen.

Group Critical Illness

Offering financial protection if employees are diagnosed with a critical illness, or undergo surgery covered by the policy.

Aviva Flex-pertise™

Flexible benefits plans that allow employees to take greater control of their workplace benefits package to suit their budget and needs.

Haven't found what you're looking for?

See our contact us page for a full directory.