Why do speech and language therapists need income protection?
For speech and language therapists in private practice, income protection is especially important — there is no NHS sick pay and no employer safety net. Monthly payments if you're unable to work ensure your personal and professional costs are covered during illness or injury.
How does income protection work for speech and language 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 speech and language therapists?
Speech and language therapy is usually Occupation Class 1 — among the most competitive for income protection premiums. A healthy 35-year-old speech and language 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. Speech and language therapy is usually Occupation Class 1 — among the most competitive for income protection 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.