Why do stroke survivors need income protection?
A stroke can dramatically affect your earning capacity. Income protection pays a monthly benefit if you can't work — covering your bills while you focus on recovery.
How does income protection work?
Income protection pays 50–70% of your pre-disability income as a monthly benefit, after a chosen deferred period (typically 4–52 weeks). It continues until you return to work, the benefit period ends, or you retire.
How much does income protection cost for stroke survivors?
Some insurers may exclude future strokes as a pre-existing condition, but many will offer cover at standard or slightly loaded premiums depending on time elapsed and severity. A 35-year-old can typically get £2,000/month of benefit from around £30–£60/month depending on occupation class.
Frequently Asked Questions
Yes — income protection is available to stroke survivors. Some insurers may exclude future strokes as a pre-existing condition, but many will offer cover at standard or slightly loaded premiums depending on time elapsed and severity.
Yes — most comprehensive UK income protection policies cover mental health conditions including depression and anxiety, which are among the most common reasons for claims.