Sick Pay Insurance

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Sick Pay Insurance

Black Lion Insurance offers outstanding advice on a wide range of sick pay insurance options.  We cover the whole of the market, so we’re not tied to any one insurer.  This enables us recommend the perfect product for your needs and your lifestyle, based on the information you give us.

What is sick pay insurance?

Simply put, sick pay insurance is a type of personal income protection plan.  It covers up to 70% of your gross income and can, if necessary, pay out right up until you retire. Most payments are made monthly.

How does it work? Is it complicated?

No, not at all, but Black Lion can help you with everything if you’re not sure.  We’ll set up the policy and can help you claim, too.

You’ll need to consider the level of cover you need (how much you insure yourself for), the length of cover required and a likely deferred period (the time from your claim to the first payment.)  There are also various premium types, but we can advise you on these.

What else?  Your age, whether you smoke, your general health and lifestyle and your family history will be taken into consideration.

Also, you may not get cover for existing conditions likely to deteriorate, or for an illness you’ve had before.

Black Lion Insurance is a team of dedicated, holistic, whole of market insurance consultants and we’ll take the time to understand your circumstances exactly.  With access to products from AXA, Aviva, Legal & General, Zurich, Aegon and many, many others, we’ll ensure that you get the right cover at the best possible price.

Could sick pay insurance support YOU in your hour of need?

Whether you’re employed, self-employed, or a contractor, you rely on your ability to go to work every day to earn your living.  You may receive contractual sick pay from your employer or state sickness benefit, but these payments will almost certainly not even touch the sides when it comes to paying your mortgage, bills or any other regular financial commitments.

Are you sure you have enough savings? If not, you may wish to talk to the experts here at Black Lion Insurance. Contact us to find out more. Sick pay cover could be cheaper than you think.  And, should the worst happen, all your regular monthly commitments will be covered.  You’ll be able to recover in your own time.

In our experience, sick pay insurance isn’t something that most of us want to think about.  Nobody has “getting ill” as one of their life goals, for example.

And, you’re fine.  Yes, you’re absolutely fine.

What’s more, there are probably other things to spend your money on, aren’t there? True enough.

However, the reality is that if you are suddenly unable to work due to an accident or a debilitating illness, sick pay insurance could be the best thing you ever paid for.  Why?  Because in the event of a claim, it will provide you with a monthly income until you recover.

Don’t leave it to chance. Black Lion is looking forward to hearing from you.

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Step 1. Select Type of Policy

Do you need sick pay insurance?

Sick pay insurance would be vital to you if:

  • You are self-employed and would not be able to pay the bills if you were unable to work. It would ensure that you would be able to pay your bills if you were ill or injured. 
  • You are the sole income provider and would not be able to pay the bills if you were unable to work. As the sole source of income, choosing income protection insurance is the best way to protect yourself and your family financially. Find the best policy for you, to ensure you can pay the bills and monthly outgoings if you suffered an accident or sickness that meant you could not work.

Sick pay insurance is important to you if:

  • You are self-employed, and you don’t have a large amount of savings that you are happy to dip into. Consider taking out an accident and illness policy for maximum protection. 
  • You are the sole income provider and your employer offers sick pay. Check what level of sick pay you would get from your employer before making a final decision about income protection insurance. Few companies offer long term sick pay beyond the Statutory Sick Pay, so it is important to have all the information in advance. 
  • You live in a joint income household but are unsure if your partner would be able to cover the financial responsibilities. If your partner’s salary couldn’t cover the bills, then it would be worthwhile considering an income protection insurance policy.

How does a sick pay insurance policy help when you need to claim?

You stop working due to an accident or illness, and stop earning an income.

You inform us, and we will guide you through the claims process with the insurer.

You will start to receive your monthly payout.

The monthly payout will continue for as long as your insurance policy covers.

What are your policy options?

Short-Term or Long-Term Protection
There are two types of accident and sickness insurance plans.
Short-term plans usually range from 6 months to 2 years. Long-term plans will pay out until you are well enough to go back to work, whether that’s 1 year or 10 years.
Deferred Period
A deferred period, or excess period, refers to the duration of time between stopping working, and when your insurance policy will start to pay out.
This can range from just a couple of days, up to a whole year. The standard length of time for most long-term insurance policies is 4 weeks.
Indexation helps to protect your policy against inflation. Your monthly payments will increase each year, to reflect any increases in costs according to the Retail Prices Index (RPI).
Policy Cease Age
Your insurance policy cease age is how old you will be when the policy will end. This is normally the age you will retire at but could be older.
Maximum Pay-Out Period
This refers to the longest length of time that you can make a continuous claim on your income protection insurance. For short-term policies this could be from anything between 6 months to a couple of years. There are not usually restrictions with a long-term policy. You will receive payments until you are either able to return to work, or you reach your policy cease age.

What affects the costs of your policy ?

Monthly Payout

The higher your monthly payout amount, the higher your policy premium.

Deferred Period

The longer the length of time before your policy pays out, the cheaper your premium.

Medical History

Previous illnesses or injuries may increase policy premiums or be excluded from your cover.

Policy Cease Age

The longer the policy runs, the higher the premium will be.


The older you are, the premium is likely to be higher.

The costs of your insurance depend on various factors.

The more you want to insure for each month, will subsequently increase your premium, as well as the length of the policy and your deferred period.
Your age can also play a role. The older you are, you are seen as more likely to make a claim and so your policy premium will reflect this.

It is important to declare any previous medical conditions or illnesses. Certain disorders may not be covered by your income insurance and others may mean you incur a higher premium.

You will also be asked about your smoking status. Smokers are deemed higher risk resulting in a higher cost for your insurance.

What our clients are saying

Black Lion insurance were great in helping me get through the countless jargon and pitfalls when it comes to setting up insurance. I was thankfully recommended to them by a colleague and they made the process seamless ensuring I have the most appropriate policy for me.

I’m an IT contractor and I wasn’t sure if I was eligible for this cover, however, to my delight, not only could I have the cover, but I could pay it through my Ltd company. I was covered within an hour of getting in contact. Very prompt and informative service!
Sanjay P

Polite and very clear when explaining my product of interest. Happy to answer any questions and recap on areas that I wanted to ensure I understood clearly before committing. Didn’t feel pressured or rushed at any point and the chap was very pleasant.
Donna Rudd

About Us

Part of Halo Consulting, Black Lion Insurance are a dedicated team of insurance consultants with years of experience in guiding our clients to a solution that meets their specific needs. We specialise in helping both employed and self employed individuals, as well as business owners on a variety of solutions, which range from life insurance, income protection insurance, keyman insurance and shareholder protection insurance.