Group Income Protection
Be innovative. Be trusted. Be your best. Group Income Protection that supports from day one.
For a product and value-added services that well and truly focus on wellbeing, look no further. Our Group Income Protection solution provides the tips and tools needed to help employees with their physical, mental and financial wellbeing, as well as paying up to 80% of an employee’s salary, if they are unable work.
Because when people are happier, healthier and at their best, businesses are too. That’s where we can help.
By working together, we can help everyone reach their full potential as people, parents, partners and professionals. Let’s take a closer look.
From prevention to protection
Introducing Smart Health, our online hub that provides employees 24/7 access to a suite of six wellbeing services. LifeWorks, our Employee Assistance Programme, supports employees with any work, health and life challenges.
Our vocational rehabilitation programme, provided by our partners Proclaim Care, helps employees get back to work when they’re ready.
AIG’s Group Income Protection provides income for employees, if they are unable to work. For us, people come first, which is why we offer practical preventative help and financial support for employees. And it gives you the opportunity to help employers offer a valuable benefit for their business.
For healthier people, there’s Smart Health
Let’s start with your clients: if their employees are living unhealthy lifestyles, this could translate to lower engagement, higher turnover and even lower productivity*. So it’s in their best interest to encourage a much healthier outlook. That’s where Smart Health can help.
Smart Health is more than a wellbeing service – it’s a GP with 24/7 availability, as well as a fitness coach, nutritionist and mental health supporter, accessed on the go at any time. Health has never been so convenient.
It offers employees access to six personalised services, including nutrition plans and workout programmes, to help ward off illness, as well as a second medical opinion service. But most importantly, they have 24/7 access to a GP. Whether it’s over the phone or via video call, employees can speak to a medical professional wherever they are. All insured employees can benefit from Smart Health.
*AIA Vitality’s Healthiest Workplace Survey, 2018
For productive people, look to LifeWorks
LifeWorks is an Employee Assistance Programme that not only offers best-in-class practical and emotional support for employees, it also gives them and their employers a chance to personalise the experience. And from this familiar space they can then explore the other features it has to offer.
They can use it to access a number of face-to-face counselling sessions and a library of wellbeing articles, through either their smartphones or the web. It also offers work-life support in areas such as legal, financial, education and childcare, with the option to add-on everyday support in the form of discounts and cashback.
There are two options employers can choose from, to make sure they’re offering the best they can to help their employees stay in control of their health.
Option one: Core Wellbeing (free for all employees)
- Counselling and coaching services available in person, or by video, chat, direct message or telephone
- Critical incident support
- 8,000+ clinically verified and trusted articles, toolkits, podcasts and more
- Perks and savings
- Support in areas such as anxiety, depression, relationships and workplace challenges
Option two: Upgrade package (£48 per employee, per year)
- Employee Physical Assistance Programme (EPAP)
- Enhanced wellbeing feed
- Enhanced perks and savings
- Enhanced community
For recovering people, Proclaim Care is there
When an employee is unable to work and needs to take time off, our vocational rehabilitation programme is there to help them get back on their feet and into work when they’re ready.
Provided by our partner, Proclaim Care, this independent and impartial service works to create a realistic return-to-work plan tailored to the individual employee.
Whether it’s support, advice, treatment or guidance, rehabilitation specialists are on hand to help – not to mention they’re all qualified medical professionals. So rest assured, all employees are in good hands. Together, we’ll do what we can to help them get back to being their best.
For insured employees who are unwell, Proclaim Care is here to help once they’re ready to come back to work.
When an employee is recuperating, the last thing they need to distract them from their recovery is money worries - an income could make a huge difference.
The benefits of our Group Income Protection are available to businesses of any size. And your clients will have complete control, as well as the opportunity to offer an attractive benefit to their employees. It’s also flexible and can be tailored to each employer with ease – whether it’s the amount of time income protection is paid, or the time an employee needs to be off before it kicks in.
So that’s our Group Income Protection offering – focused on practical prevention (unlike other products out there) and protection when it’s needed. Be your best with AIG.
If you're quoting for a scheme of up to 200 employees, visit our online portal to get a quote now.
Literature and support materials
Group Income Protection - Member Guide
This document is for employees to understand how income protection cover works.
Group Income Protection - Technical guide
An overview of the Group Income Protection policy. Policy aims, how it works, what is covered and premiums charged.
Group Income Protection - Terms and conditions
This explains how the cover works and the terms and conditions for Group Income Protection.
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 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...