Why Police Officers Need CIC
Policing involves high stress, shift work, exposure to traumatic events, and physical risk. These factors can contribute to serious health conditions including cancer, heart disease, and stroke. While the Police Pension Scheme provides ill-health retirement, it requires permanent disability and does not provide a lump sum for immediate costs.
CIC pays immediately on diagnosis, giving you funds for private treatment, mortgage payments, home adaptations, or simply financial breathing room while you focus on recovery.
Police Pension vs CIC
- Police Pension ill-health: Requires permanent disability, lengthy application, no lump sum for treatment
- CIC: Pays immediately on diagnosis, no need to prove inability to work, tax-free lump sum you control
They serve different purposes – the pension provides long-term income replacement, while CIC provides immediate financial relief.
Key Conditions to Consider
Police officers should pay particular attention to CIC policies that cover:
- Cancer – The most common CIC claim (65%+ of all claims)
- Heart attack and stroke – Stress and shift work are risk factors
- PTSD-related conditions – While PTSD itself is not covered by CIC, physical consequences may be
- Traumatic brain injury – Covered by most policies if resulting from assault or accident
Frequently Asked Questions
Yes. Police pension requires permanent disability. CIC pays a lump sum immediately on diagnosis.
No. Standard risk. 30-year-old non-smoker: from £16–24/month for £100k cover.