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  Group Income Protection

Workplace wellbeing_Monday morning

Group Income Protection is a key component of a comprehensive employee benefits package, providing financial and practical support to employees when they’re unable to work due to long-term illness or injury.

Help your clients demonstrate a caring attitude towards their workforce, while allowing their employees to focus on their health, recovery, and on returning to work.

Quote and apply

For applications or help call us on 0800 145 5684.
Lines are open Monday to Friday, 9am to 5pm.
Calls to and from Aviva may be recorded.

If you are applying for a business with under 100 lives you can use our online system, Aviva Group Protection Online.

Why Aviva Group Income Protection?

We’re experts in Group Income Protection, helping employees with their rehabilitation, recovery and their return to work. The policy is heavily supported by our clinical expertise - in addition to financial support, we pro-actively look for ways to offer support to improve health and wellbeing at work.

Over the years, we’ve perfected our underwriting and claims processes, making them simple, efficient, effective and accountable. Making policies easy to set up, reducing administration for your clients and offering a Free Cover Limit, avoiding the need for medical underwriting in many cases.

What your clients can expect from Aviva Group Income Protection:

  • Flexible policy, designed to meet your client’s immediate and long-term needs, budget and overall best interests of their employees
  • Choice of when the policy’s benefits start, either after 13, 26, 28 or 52 weeks of absence due to long-term illness or injury
  • Free Cover Limit up to a maximum of £150,000 without the need for medical underwriting in most cases
  • Cover providing employees with up to 80% of their salary when absent from work due to long-term illness or injury, up to £425,000 basic benefit
  • Employer pension fund contributions can be insured for up to £75,000
  • For employees, we also offer options to insure their pension contributions and/or National Insurance contributions
  • A choice of benefit payment terms of 2, 3, 4 or 5 years, or cover can be provided to pay benefits until the chosen policy cease age
  • A lump sum option of up to £1.6 million can be used to fund a career change or help fund an employee’s early retirement
  • Option to provide cover for Equity Partners
  • Pay Direct option to reduce administration burdens for your client
  • Access to expert rehabilitation support as well as taking advantage of any additional added value services
  • A comprehensive range of Workplace Wellbeing solutions, offering training and support to your clients and their employees. Solutions cover a wide range of topics from mental health to physiotherapy.

Full details of features and benefits are listed in our Group Income Protection Product Brochure.

Group Income Protection Product Brochure

Non-standard terms may apply to your client's policy.

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
  • 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 90 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 or linked to the Retail Price Index (RPI)
  • Added value services – our Employee Assistance Programme offers practical and emotional support. A wide range of Workplace Wellbeing solutions, including cancer support is also available when your clients need a little help
  • Overseas employees – If their contract of employment is with the UK company, we can cover employees based overseas

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

Added value services

Group Income Protection delivers financial support, alongside a range of rehabilitation services designed to help employees return to work.

Employee Assistance Programme (EAP)

Provided by Care First and offering practical and emotional support to help employees deal with issues such as, financial worries, stressful relationships, concerns about childcare and legal issues.

We offer an EAP to your clients when they take out a policy and the service will be available to all employees of the insured company, regardless of whether they are covered under the policy.

The EAP provides:

  • Up to eight face-to-face or telephone counselling sessions per year, per issue, where clinically appropriate. Employees can also access unlimited ‘in the moment’ telephone support.
  • Unlimited access to the EAP online resource of personal, health and work-related information.
  • Access to Care first's clinically validated app ‘Thrive: Mental Wellbeing’, which provides a mobile tool to help individuals manage common mental health conditions such as anxiety, stress and depression.
  • Management support to help your client's managers with expert, impartial advice and guidance on dealing with the many difficult situations they face.

For an additional charge, employers can choose to add the following services to the EAP:

  • Additional face-to-face sessions
  • Mediation services
  • Employee workshops
  • Performance coaching
  • Onsite critical incident support

Cancer Work Support Service

Through Working To Wellbeing, we offer a range of health and wellbeing services for employees. The service can help employees come to terms with their illness, help them self-manage their symptoms and where possible, return to work.

 

Workplace Wellbeing support

Engaging a workforce to promote healthy living could lead to lower levels of sickness absence and its associated costs. We offer a variety of tools and support services through our Aviva wellbeing team and a range of specially selected third party providers.

Full information on our Workplace Wellbeing solutions.

All these services are non-contractual and can be withdrawn by Aviva at any time, without notice.

Full details of the services available can be found in our Group Income Protection Added Value Services brochure.

Group income protection added value services guide

The tele-interview process

A simple process

A tele-interview (TIV) is a telephone conversation, in which essential medical information is captured. Our tele-interviewers have the skills and are aware of medical details that can help them interpret the conversation and record the details. This helps us gather details about an employee’s health and medical history that can provide faster underwriting decisions.

TIV is a straightforward process

We’ll call your client’s employees and ask them about their work, health, lifestyle and medical history. All information is treated in the strictest confidence and is only used for their application. Afterwards, we’ll issue a copy of the report from the tele-interview to the employee, which they'll be asked to check thoroughly. If they need to make amendments, we ask them to do this in writing.

We'll collect the necessary information

In many cases, our underwriters can make their decision based on the report from the tele-interview. Sometimes we'll need to ask for more information from the employee’s doctor or other medical professionals. Occasionally, we’ll ask an employee to attend a short medical examination with an independent clinician.

If an employee would rather not have a tele-interview, we can use a medical declaration form to capture information about their work, health, lifestyle and medical history.

Renewing cover

In most cases, we will review the rate and terms of policies every two years. We’ll notify you six weeks before the anniversary date, at which point it’s good to re-engage with your clients to ensure they have the right levels of cover and whether their business has changed.

Our Group Income Protection policy can help individuals financially – but we’d like to help you explain the practical benefits of the policy to your clients. Our tools, videos and sales aids are all designed to engage your clients or their employees.

Key points to cover with your clients

Explaining the key points of our Group Income Protection policy is a simple way to communicate the benefits, show its limitations and explain the value of your clients putting this cover in place for their employees.

  • Flexibility – choose the length of time an employee is absent before the payment of benefit is triggered – after a 13, 26, 28, or 52-week deferred period – the longer the deferred period, the lower the premium
  • Your client can also contain costs by setting a limit on the amount of time we pay a benefit, for example a 2-year term
  • By selecting our lump sum option, clients could receive a one-off payment at the end of a limited term
  • With our Pay Direct option, the income benefit can be paid directly to the employee as instructed by the employer
  • We recommend that the employer contacts us with details of any employees who are absent for four weeks or longer, so that we can offer early intervention support
  • Our Employee Assistance Programme (EAP) offers additional benefits, including on the move support for conditions such as anxiety, stress and depression
  • A wide range of support and training options to help clients and their employees with Workplace wellbeing issues
  • In most cases, our Group Income Protection policy’s premiums will qualify as a trading expense and therefore attract corporation tax relief depending on the employer's circumstances

Opportunities to sell Group Income Protection

Our Group Income Protection policy offers the levels of benefit and type of early intervention services that can help support employees to return to work. By acting promptly, and drawing on our clinical expertise, together we could help your employees get back to work faster.

What’s needed to set up a Group Income Protection policy?

  • Working with your client, we’ll ask you to let us know which employees need to be covered by the scheme, and the levels of benefit to be provided
  • We usually offer your client a Free Cover Limit with no individual medical underwriting needed, speeding up the process considerably
  • For employees who do need underwriting, we’ll provide cover for full benefits, for up to 90 days, or until our underwriting decision is made if sooner. Exclusions apply.

There may be cases where we’ll want to work closely with your client if they’ve had long-term absenteeism that’s been prevalent in the business over several years. One of the main reasons for doing this is that our focus is on helping people to stay healthy, so we’ll look for pro-active ways in which to help your client identify risk areas in the business.

Quote and apply

For applications or for more information phone 0800 145 5684

Lines are open Monday to Friday, 9am to 5pm.
Calls to and From Aviva may be recorded.

If you are applying for a business with under 100 lives you can use our online system Aviva Group Protection Online

We’re here to help

We can support you and your clients to keep employees in the workplace.

We can help you apply, deal with any queries, and give you information that will help your clients proceed with confidence as they buy a Group Income Protection policy.

Call us on 0800 145 5684 or speak to your Account Manager
Lines are open Monday to Friday 9.00am – 5.00pm.
Calls to and from Aviva may be monitored and/or recorded.
Or email us on

These documents will help you apply
Group Income Protection - Application form
Group Protection Direct Debit Mandate

A dedicated SME team here to support you

For your smaller clients, our dedicated SME team are here to help you grow and support your portfolio. They’ll give you as much or as little support as you need.

Contact the team today: 0800 404 5035 or speak to your Aviva Account Manager.

Group Income Protection claims


Our claims process

Our Group Income Protection claims process is designed to provide financial support while helping people get back to work quickly.

We do everything we can to help your clients’ employees get the advice and support they need. Our claims process is straightforward, stress-free and creates a return to work strategy that’s beneficial for both the employer and their employees.

Demonstrating our claims expertise to your clients

Our employer brochure highlights our expertise at helping employees get back to work as quickly as possible. We use clinical evidenced-based processes, and our claims team is trained to flag opportunities for early intervention where our rehabilitation experience could make a difference, or where specific workplace wellbeing solutions could support your clients.

Starting a claim

Once a member has been absent from work for four weeks or more, we would encourage your client to contact us as soon as possible on 0800 142 2377 or by email at

Once they contact us, we’ll assign a dedicated Case Manager to help with the individual member’s case and consult with your client to decide whether we need to provide support. Alternatively, we may agree a future date to review the potential claim. The deferred period won’t have any bearing on how early this discussion takes place, as there are often instances when providing support at this point can prevent a significant claim.

How the process works

  • If we feel rehabilitation support is needed, we’ll ask for consent to speak to the employee to gather more information.
  • We’ll liaise with our clinical team for their input on any support we can give and seek approval from their GP of any treatment plan where appropriate.
  • The Case Manager will work with the appropriate rehabilitation partners, clinical experts and the employee and will stay in contact with them while any treatment takes place.
  • When the employee is fit to return to work, the Case Manager will work with all parties to put together a return-to-work plan. This could include a gradual phasing of duties, changes to hours or responsibilities, or retraining requirements. If the plan includes any of these activities, the Case Manager will keep in regular contact with your client during the process.

If it appears the employee won’t be ready to return to work by the end of the deferred period, we’ll work through the claim process with all parties and calculate the benefit payments due.

For claims help or queries, call 0800 142 2377
Lines are open Monday to Friday 9.00am to 5.00pm
Calls to and from this number may be recorded and/or monitored.

Or email for further information.

Which documents should you use?

Our documents help you introduce the benefits of this product to your client.

Group Income Protection literature describes the cover and the options in full. It’s important that you get to know these documents well, as this will help you conduct a compliant sale.

These documents explain how the product works

These documents help you make applications

You’ll find a full range of Group Income Protection literature in our searchable document library.

Adviser Resource Hub

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Created with Group Protection and Health advisers in mind, it's a free, easy to use resource, enabling you to master your own approach to marketing and help give your business an extra boost.

Visit the Adviser Resource Hub today and register for free.

For help or queries, call us on 0800 145 5684 or speak to your Aviva Account Manager.

If your query relates to an existing policy, please call 0800 051 3472.

Lines are open 9.00 am-5.00pm, Monday to Friday. Calls to and from Aviva may be recorded and/or monitored.

Contact us

You can find contact details for each product area in the drop-down list:

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WA14001 07/2019