Medium Term Sickness 6 Months to 2 Years

Published / Last Updated on 19/11/2021

If you are unable to work due to illness or injury, could you still afford to pay your bills?

Many larger employers may have a group sick pay scheme that pays up to 50% or 75% of salary for a period, e.g.:

  • First 12 months or 2 years
  • Starting after 3 months or 6 months and ending at 12 months or 2 years.

Most smaller employers will not offer a sick pay insurance scheme with the exception of statutory sick pay (paid by the employer) currently at £96.35 per week (21/22) but end after 28 weeks (just over 6 months).

Can you afford to live on £96.35 per week or £zero after 28 weeks and then rely on means tested state benefits?

Permanent Health Insurance (PHI)

Planning for medium and long term illness or accident and being unable to work is a priority for us all.  Many employers will not offer protection for this and you need to consider Permanent Health Insurance/Sick Pay Insurance to pay benefits for specific periods or even up to normal retirement age.

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