Group Income Protection

Income Security When Life Throws a Curveball

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What Is It?

Group Income Protection provides financial support when employees are unable to work due to long-term illness or injury—covering their salary and providing access to rehabilitation specialists for a faster, more supported return to work.

Why it matters for employers

It safeguards both your team and your business—offering salary protection, reducing absenteeism, and demonstrating a strong commitment to employee wellbeing.

Why it matters for employees

Employees receive continued income during recovery, access to expert rehabilitation, wellbeing support, and a clear pathway to return—providing both hope and financial stability.

How It Works

Deferred Pay Support

After a waiting period, the policy pays a percentage of the employee's salary—typically 50%–80%—until they can return to work or reach a policy limit.

Rehabilitation & Wellbeing Services

Access to physical rehab, counseling, case management, and proactive health support—helping employees stay well or return sooner.

Employer Facilitated Claims

Employers manage claims and receive the benefit—which is then channelled to the employee—making the process smoother and faster.

Secure your team’s stability—every step of the way.

Contact Howden today to build a Group Income Protection plan that supports both your people and your business resilience.

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FAQs

It ensures financial support for employees unable to work due to illness or injury—covering a share of their salary and offering rehabilitation services to ease their return.

It protects operational continuity, reduces the financial strain of extended leave, supports employee loyalty, and reinforces your company’s reputation as caring and responsible.

Employees receive continued income, access to rehabilitation and mental wellbeing services, and tailored return-to-work plans to help them recover confidently and sustainably.