Why do people with heart conditions need income protection?
Heart conditions are among the leading causes of long-term work absence. Income protection pays a regular monthly benefit if you're unable to work — an essential safety net for those managing chronic cardiac health.
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 heart conditions?
Those with managed heart conditions can often get critical illness cover, though premiums may be higher or some conditions excluded. An independent broker can search across the whole market. 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 heart conditions. Those with managed heart conditions can often get critical illness cover, though premiums may be higher or some conditions excluded. An independent broker can search across the whole market.
Yes — most comprehensive UK income protection policies cover mental health conditions including depression and anxiety, which are among the most common reasons for claims.