Why do paramedics and emergency workers need income protection?
Paramedics cannot do their job from home — physical fitness and mental health are essential. If illness or injury prevents you from responding to calls, income protection pays monthly benefits to cover your mortgage and living costs while you recover.
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 paramedics and emergency workers?
Paramedics are typically Occupation Class 2 for income protection, reflecting the physical and clinical demands of the role. 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. Paramedics are typically Occupation Class 2 for income protection, reflecting the physical and clinical demands of the role.
Yes — and it's especially important without employer sick pay. Cover is based on your net profit.