Why do people with diabetes need income protection?
Living with diabetes — whether Type 1 or Type 2 — can create uncertainty about your long-term ability to work. Income protection pays a regular monthly benefit if complications from diabetes or any other illness prevent you from working.
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 people with diabetes?
Many diabetics can get income protection at competitive rates, though premiums may be slightly higher and diabetes-related conditions may be excluded. Well-controlled Type 2 diabetes often has minimal impact on premiums. 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 people with diabetes. Many diabetics can get income protection at competitive rates, though premiums may be slightly higher and diabetes-related conditions may be excluded. Well-controlled Type 2 diabetes often has minimal impact on premiums.
Yes — most comprehensive UK income protection policies cover mental health conditions including depression and anxiety, which are among the most common reasons for claims.