Why do IT professionals need income protection?
Burnout, mental health conditions, and repetitive strain are common reasons IT professionals claim on income protection. A policy with an own-occupation definition ensures you're covered if you can't do your specific tech role.
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 IT professionals?
IT professionals typically fall into lower-risk occupation classes, making premiums very competitive. Mental health and repetitive strain conditions are among the most common claims. 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 IT professionals. IT professionals typically fall into lower-risk occupation classes, making premiums very competitive. Mental health and repetitive strain conditions are among the most common claims.
Yes — most comprehensive UK income protection policies cover mental health conditions including depression and anxiety, which are among the most common reasons for claims.