Why do civil servants need income protection?
Civil servants receive employer sick pay for a period — but this tapers off during prolonged illness. Income protection fills the gap when sick pay ends, ensuring your mortgage and household costs are covered throughout a long-term illness or injury.
How does income protection work?
IP pays a monthly benefit — typically 50–70% of your gross income — if you're unable to work due to illness or injury. Payments continue until you return to work or reach the policy end date.
How much does IP cost for civil servants?
Civil service is typically Occupation Class 1 for income protection — offering the most competitive premiums. A healthy 35-year-old can typically get £1,500/month of benefit for £25–£55/month depending on occupation class and deferred period.
Own occupation — always choose this
Always choose "own occupation" cover — it pays if you cannot do your specific job, not just any work.
Frequently Asked Questions
Occupation class is a key pricing factor for IP. Civil service is typically Occupation Class 1 for income protection — offering the most competitive premiums.
Yes — and it's especially important without employer sick pay. Cover is based on your net profit.