What group risk benefit has the biggest impact on employees?

We would say the product with the biggest impact is Group Income Protection (GIP) which dually benefits both employers and employees. Employers benefit from reduced occupational and statutory sick pay and Equality Act compliance (by retaining disabled employees in the workplace). Employees benefit from ensuring people that have had their lives turned upside-down retain as much normality as possible. If you are unable to work, GIP and its associated support services come into play to keep your bills paid and your standard of living intact and, when it’s safe and sustainable, get you back into the workplace.

Prolonged absence is a difficult time and GIP offers broad shelter, including retention in the death and private medical schemes when they are most needed. Early Intervention Services and Employee Assistance Programmes can catch problems early, Second Medical Opinion services give you peace of mind about any diagnosis or treatment recommendations and Rehabilitation Services provide dedicated support tailored to your circumstances - all so life remains as normal as possible.

Ron Wheatcroft

Technical Manager - Swiss Re

Everybody needs an income. Losing it during a period of sickness can cause serious worries for employees and their families, particularly when finances are already tight.