Income protection cover is for sickness, injury and mental health issues. It is not for when you choose not to work between jobs or after redundancy.
If you fall ill and unfortunately cannot work for a few months or more, you can claim on your income protection insurance.
Serious injuries happen, and they can stop you from working. You can claim executive income protection insurance, for example, when you damage your back and can’t work.
Unfortunately, the strain of being an executive can sometimes become too much. Stress leads to mental illness, which can be crippling. Keeping on at work will only make matters worse. Now comes the time to call on the income protection insurance and focus on getting better.
When you cannot work, you claim your income protection insurance until you are back on your feet.