- 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.
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.
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.
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.