Why do occupational therapists need income protection?
Income protection is particularly important for private and independent occupational therapists who don't benefit from NHS sick pay. Monthly payments of up to 70% of income continue until you can return to practice — or until the policy end date.
How does income protection work for occupational therapists?
Income protection 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, reach the policy end date, or die.
How much does income protection cost for occupational therapists?
Occupational therapy is usually Occupation Class 1 for income protection — offering very competitive premiums. A healthy 35-year-old occupational therapist looking for £1,500/month benefit typically pays £25–£55/month depending on the deferred period and occupation class.
Own occupation vs any occupation
Always aim for "own occupation" cover — this pays out if you cannot perform your specific job. "Any occupation" cover is much harder to claim on and is generally not recommended.
Frequently Asked Questions
Occupation class is a key pricing factor for income protection. Occupational therapy is usually Occupation Class 1 for income protection — offering very competitive premiums.
Long-term policies pay until you return to work or retire. Short-term policies (1–2 years per claim) are cheaper but provide less protection.
Yes — income protection is especially important if you're self-employed, as there is no employer sick pay to fall back on.