Group Income Protection

Supporting your clients to help reduce long-term sickness absence

What is Group Income Protection?

Group Income Protection provides financial support and rehabilitation services to employees if they're absent from work due to an illness or injury.  Your clients can demonstrate a caring attitude towards employees, while supporting them with their health, recovery and, if the time is right, a successful return to work.

Early Intervention and Rehabilitation

We can support your clients even before they need to take time off work. In 2021, 80% of the employees we provided rehabilitation support, returned to, or remained at work.

Expert case managers

Our dedicated case managers work closely with your clients' employee during the claims process, supporting them every step of the way.

Focus on wellbeing

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

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, our claims pathways are designed to support employees through the claims process, whatever their condition.

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Product details

Features and benefits

Wellbeing services

Early intervention and rehabilitation

How our pathways can make a difference

Setting up a policy

Making a claim

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.

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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. 

Fast and efficient quotes for smaller schemes

Join lots of advisers and get Group Protection quotes in around 20 minutes for schemes between 3-250 lives via our self-serve online platform, Aviva Group Protection Online (AGPOL).

Use the same data to quote for all three of our products and put clients on risk the next day. Plus, we offer three year rate guarantees for schemes over 100 lives. 

Please be aware that our technical guides and policy wording documents differ for AGPOL and can be found on our AGPOL page or in the Document Library. You'll also be provided with the relevant guides when you run your online quote.

Find out more about AGPOL.

Get a quote online

Christopher's story

Christopher was absent from work with post-covid fatigue when his Employers referred him to Aviva's rehabiliation team for support regarding his ongoing symptoms following contracting Covid-19 in early 2020.

Within 8 working days of notifying Aviva a case manager had contacted Christopher to complete an initial call to understand his ongoing symptoms. Following this conversation a referral was offered to our rehabilitation partners, Working to Wellbeing, for support available through their Covid-19 Work Support Service.

Working to Wellbeing provided integrated health coaching, cognitive behavioural therapy (CBT) and fatigue management support to assist Christopher to manage his symptoms and achieve his goal of returning to work.

One month following his referral Christopher had commenced a phased return to work which required careful planning and support given his previous attempts to return. During his return the team at Working to Wellbeing provided further holistic support to him regarding his ongoing cognitive symptoms. The support received has resulted in a successful return to his full duties and hours for Christopher.

"The support from the team at Working to Wellbeing was vital as they supported me with the tools to not only manage my life but to be able to return to work…having honest conversations with the team and to have the safety net of their support helped my confidence in pushing myself through challenges...I feel more resilient and I feel the legacy of their support will have a lasting benefit for me....I don't think I would be where I am today without this service".

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 3-250 lives you can use our online system,

Aviva Group Protection Online.

If your query relates to an existing policy please call

0800 051 3472

Monday to Friday 9:00 - 15:00

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.

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