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Replacement income if you can't work because of illness or accident

If you’re not able to work, your earnings may be reduced or even stop altogether. If this happens to you, would you still be able to enjoy yourself – let alone save for your retirement?

With income protection, you can help to maintain your lifestyle. If you can’t work due to illness or accident, it could give you the money you need to help pay your mortgage and other bills – and save for your future.

Income protection benefits start to be paid if you can’t work for a prolonged period. These plans continue to make payments until you’re able to resume work or until the plan expires.

• How much income protection? – you’ll probably receive state incapacity benefits and you may get some pay from your employer. So think about how much more you need in addition
• When do payments need to start? – your employer might carry on paying you for a while so you should think about a plan that starts when your employer payments stop
• How long does the cover last? – it’s usual for these plans to last until normal retirement age - between age 50 and 65 depending on your occupation

• More on income protection cover

Get financial advice

If you want to talk to RBS about your protection needs, call us on 0800 051 1872.