Your ability to earn a living is perhaps the greatest asset you possess - it makes good sense to protect it.
In the UK:
- more than 2 million people of working age have been off work for 6 months or more*
- the chance of being off work for more than 6 months is around 1 in 7**
Fortunately, a Personal Income Replacement Plan can safeguard against lost earnings if an individual suffers from an illness or injury and is unable to work.
The Personal Income Replacement Plan provides financial security by providing you with a replacement income if you are too ill to work for a certain length of time. The plan also recognises the desire to return to a full working life as soon as possible by allowing access to Unum's unique rehabilitation services. These pages provide an overview of our Personal Income Replacement Plan. You will find information on what the product is, how it works and how it serves the best interests of income earners and their dependants.
Further information can be found in our Personal Income Replacement Literature section, including Forms.
*DWP, November 2004
** Unum research
What does Unum provide?
The features
Who benefits?
Getting further advice