Group Income Protection

Cost-effective cover with unrivalled benefits

Learn about income protection

Group Income Protection provides your employees with financial security and peace of mind should they become unable to work due to illness or injury.

How does it work?

You decide

Firstly, you decide how much of a proportion of an employee’s salary you want to protect.  For example: employers generally choose to protect 2/3rds of an employee’s salary less the social welfare benefit payable by the government. 

Deferred period

Then you choose the deferred period which is the length of time before the income protection claim is payable which can be 13, 26 or 52 weeks.  


In the event of a claim, the payment is made to you, the employer.  You continue to pay the employee through your payroll and continue to deduct their appropriate level of tax.

Watch our video on how it works

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To follow

Group Income Protection Summary Benefits

A Financial Broker will give you the best type of guidance on what products are most suitable to your needs. The following is a summary of the benefits Aviva can offer.

Income Protection Benefit

Cover can be a % of salary subject to a maximum benefit of 75% x salary less the social welfare benefit or €400,000

Pension Protection Cover

Covers the members pension contributions should they be unable to contribute due to sick leave. Maximum cover is €100,000

Deferred Period

This is the waiting period before you can submit a claim.  The options are 13, 26 or 52 weeks

Ceasing Age

Up to age 68

Continuation Option

This allows an employee to take out an equivalent individual policy in their own name without the need for underwriting should they leave the company.  Our technical guide outlines how this feature operates.

Free Cover Limit (FCL)

The level of benefit where we won’t seek medical evidence for individuals with benefits below this amount.  The FCL is outlined on your quote and policy schedule.

Early Intervention Supports

Aviva have partnered with a number of rehabilitation partners to provide a range of services from as little as 4 weeks into an employee’s absence to help get them back on their feet and back to work.

Best Doctors, 2nd medical opinion

Members and their immediate family get access to a second medical opinion from a world-renowned expert at no extra cost

Aviva Family Care, mental health support service

Members and their immediate family get access to a counselling and psychotherapy service delivered by a team of clinical, counselling and health psychologists registered with the Irish Psychological Society.

Exclusive Benefits to Aviva

Aviva want your employees to be provided with the right care when they need it most so we offer members with access to some fantastic additional value added benefits, including

Effective Early Intervention

We know from experience that working with employees at an early stage is more likely to lead to a successful return to work. That the longer someone is out of the workplace, the harder it is for them to return.

That’s why as part of our claim assessment, we work to promote our members recovery to ensure they get back on their feet as soon as possible.

Our in-house clinical staff perform personalised assessments to help us get a better understanding of their circumstances, helping us to determine what support would be most appropriate for them.

We’ve partnered with Spectrum Health for early intervention services.

It’s Voluntary

Early Intervention is a voluntary process. Members can avail of these services as early into an absence as required.

Aviva Cover the Cost

Working with our partner providers, we will create a tailor made plan to suit the individual employee. Where treatment such as physiotherapy or counselling is required, Aviva cover the cost of these services. We work in partnership with the members GP, so all parties work together to ensure the most appropriate outcomes.

It’s on-going

We provide support for employees from when we’re first notified up until the employee successfully returns to work. We’ll even continue to support the employee and ensure they get the support they need after they return to work.