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

AIG’s Group Income Protection scheme offers long term financial security, support to help absent employees get back to work, access to Support Matters, a simple administration process, at a completive price.


Cover options

  • Available for two 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

Support Matters

Support Matters®, included for all Sick Pay policyholders, is a completely confidential employee assistance programme provided by Workplace Options.

It’s designed to provide an engaging, useful, everyday support for employees and managers.


Support Matters can help your client and their employees with:

  • Up to four sessions of clinical counselling
  • Everyday work-life enquires
  • Help with dependent care
  • Legal information and support
  • managerAssist®
  • Financial support
  • Debt management counselling
  • Career coaching


All of these services can be easily accessed online. But if your client needs someone to talk to, there are other ways of contacting Support Matters, such as:

  • Telephone - 24 hours a day, all year round
  • Text
  • Email
  • LiveChat via the Support Matters® website
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.


Literature and support materials

Sick Pay - Product summary

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

Download Updated 31 Mar 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 31 Mar 19
Sick Pay - Terms and conditions

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

Download Updated 31 Mar 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.

Support Matters - overview

Support Matters® is a confidential employee assistance programme provided by Workplace Options and delivers employee and manager support.

Download Updated 04 Apr 19


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