The Scale of the Problem
As of early 2026, over 8 million people in England are waiting for NHS treatment. Average waits for many procedures exceed 18 weeks – the legal target. For complex surgeries, waits of 12–18 months are not uncommon.
How Waiting Lists Affect Your Income
If you are waiting for a hip replacement, cardiac surgery, cancer treatment, or spinal surgery, you may be:
- Unable to do your job
- On long-term sick leave with reduced or no pay
- Dependent on SSP at £116.75/week
- Facing additional costs (private physio, adapted equipment, prescription charges)
Income Protection Fills the Gap
Income protection pays out regardless of whether treatment is on the NHS, private, or delayed. If you cannot work, the policy pays. You do not need to wait for surgery or recovery.
What About Critical Illness Cover?
Critical illness cover pays a lump sum on diagnosis of specific serious conditions. Income protection pays an ongoing monthly income for any condition that prevents work. Both have a role, but IP is better suited to extended waiting list situations.
The Deferred Period
Choose a deferred period (waiting period before your policy pays) based on your employer sick pay:
- Full sick pay for 3 months? Choose a 13-week deferral
- Full sick pay for 6 months? Choose a 26-week deferral
- Self-employed with no sick pay? Choose 4-week deferral
Frequently Asked Questions
Yes. Pays if you can't work – regardless of NHS waiting times.
Waits of 6–18 months are common. IP pays throughout the waiting and recovery period.