Maximum benefit calculator for dual deferred Income Protection+

Get an indication of the maximum dual deferred benefit available through Income Protection+.   As long as your client’s income is paid through PAYE, just tell us their gross annual earnings and what percentage of these earnings they receive as sick pay, and for how long.

Information you will need before using this calculator

  • Your client’s gross annual income.
  • Your client’s sick pay arrangements, ie., how long they will receive full pay when off sick, how long they will receive reduced pay when off sick, what percentage of their earnings they will receive when on reduced pay.

Maximum benefit for a dual deferred policy calculator

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Sick Pay Arrangements

Important points

  •  This calculator is for adviser use only and should be used for our Income Protection+ product.
  • The output is purely for illustrative purposes and is based on the information and figures you provide.   Aviva accepts no responsibility for errors, inaccuracies, omissions or inconsistencies in the output or for any decisions or actions taken as a result.
  • The calculator assumes that no sick pay is received after the second deferred period.
  • Aviva’s Income Protection+ policy only offers deferred periods of 4, 8, 13, 26, 52 & 104 weeks.   The second deferred period must not be shorter than the first deferred period. 
  • The results screen will show suggested deferred periods in line with the sick pay arrangements entered into the calculator.
  • English Tax and National Insurance calculations are based on the 2020/2021 tax rules.  Tax rules may change.  These tax rules have been used to calculate the net sick pay that will be deducted from the maximum benefit amount and show the maximum benefit the customer may receive after the first deferred period.
  •  If your customer’s sick pay arrangements do not fit in with this calculator then please contact your Aviva Account Manager if you need any support.