Why do scaffolders need income protection?
Scaffolders have one of the most physically demanding jobs in the UK. If injury or illness prevents you from working, income protection replaces 50–70% of your income until you recover or retire. As many scaffolders are self-employed, there is no sick pay safety net — making income protection especially important.
How does income protection work for scaffolders?
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 end of the policy term, or the policy expires at retirement age.
How much does income protection cost for scaffolders?
Premiums depend on your age, health, smoking status, occupation class, deferred period, and benefit amount. Scaffolding is typically classed as Occupation Class 3 or 4, meaning premiums are higher than office-based roles. Own-occupation policies are essential. A healthy 35-year-old scaffolder looking for £1,500/month benefit typically pays £25–£55/month, depending on the deferred period chosen.
What is a deferred period?
The deferred period is how long you wait before payments begin — typically 4, 8, 13, 26, or 52 weeks. Longer deferred periods mean lower premiums. Choose a deferred period that aligns with how long your savings or employer sick pay would last.
Own occupation vs any occupation cover
Always aim for "own occupation" cover — this pays out if you cannot perform your specific job, not just any job. "Any occupation" policies are much harder to claim on and are generally not recommended.
Frequently Asked Questions
Occupation class is a key pricing factor for IP — unlike life insurance. Scaffolding is typically classed as Occupation Class 3 or 4, meaning premiums are higher than office-based roles. Own-occupation policies are essential.
Long-term policies pay until you return to work, retire, or die. Short-term policies (typically 1–2 years) are cheaper but provide less protection.
Yes — in fact, income protection is especially important if you're self-employed, as you have no employer sick pay to fall back on.