Group Income Protection – Sick Pay

A sudden loss of income due to injury or illness can be devastating for an employee and their family.

Group Income Protection provides up to 80% of an employee’s salary if they are unable to work due to illness or injury for a prolonged period (usually six months). This effectively extends an employee’s Sick Pay, providing long-term financial security. Sometimes a helping hand can make the biggest difference - which is why Group Income Protection is one of the most important insurance options your clients should have.

What AIG’s Group Income Protection scheme offers

List of benefits provided by Sick Pay from AIG:
1. Long term financial security for employees
2. Proactive support to help absent employees back to work
3. An employee assistance programme (EAP), LifeWorks
4. Simple, convenient administration and quality service
5. Competitively priced, with options to suit any budget

Cover options

  • Available for three employees or more, with no maximum
  • Up to 80% of salary available
  • 8, 13, 26, 28, 41 or 52-week deferred periods
  • Limited payment periods of 2, 3, 4 or 5 years - or benefits paid to cover cease age
  • Flexible benefits available
  • Lump sum payments available with limited term
  • Cover available up to age 70
  • Pension scheme contributions and NICs can be covered
  • Benefits can be paid direct
  • Automatic acceptance limit for schemes with five employees or more
  • Premium rates are guaranteed for two years
  • Premiums calculated accurately, with no averaging
Three people stretching in a park

Vocational Rehabilitation services

At AIG, we provide more than just financial security.

We understand that support, advice, guidance and treatment are invaluable when suffering from an illness or injury and the sooner we can help, the better.

That’s why we’ve partnered with Proclaim Claim - one of the UK’s leading rehabilitation specialists - to offer a tailored programme for all Sick Pay policyholders.

They help employees return to full health and get back to work as soon as possible.


Employee Assistance Programme

We’ve partnered with LifeWorks to provide a complete wellbeing solution to Group Income Protection clients and their employees. It brings together a best-in-class user experience and clinical support to achieve complete mental, physical, social and financial wellbeing, through their worldwide network of over 80,000 dedicated support professionals.

Discover more

Smart Health

From on-demand consultations with UK based GPs, to expert case management service with the world’s top medical specialists, our Smart Health service is a convenient way to connect your employees to tools that help manage their health and wellbeing from anywhere in the world, 24/7.


Literature and support materials

Sick Pay - Product summary

An overview of the key features of our Sick Pay product.

Download Updated 22 Jul 19
Sick Pay - Technical guide

An overview of the Sick Pay policy. Policy aims, how it works, what is covered and premiums charged.

Download Updated 22 Jul 19
Sick Pay - Terms and conditions

This explains how the cover works and the terms and conditions for Income Protection Sick Pay.

Download Updated 22 Jul 19
Vocational Rehabilitation

A vocational process chart for absent employees.

Download Updated 31 Mar 19
Vocational Rehabilitation

An overview of the vocational rehabilitation service included in our group income protection insurance.

LifeWorks EAP - overview

LifeWorks brings together a best-in-class user experience and clinical support to achieve complete mental, physical, social and financial wellbeing.


Vocational rehabilitation

Vocational rehabilitation provides support, guidance and treatments to help an absent employee return to work...

Tracey Clarke reveals the cruelty of hindsight

Tracey writes about adjusting to her new life and the importance of income protection...

Why buy Group Income Protection

We take a look at the benefits employers will see when they invest in group income protection...