Group Income Protection
Give your employees peace of mind with protection that truly matters
Provide a financial safety net if life takes an unexpected turn, ensuring employees can focus on recovery without the stress of lost income.
Show you care by offering an employee benefit that supports long-term wellbeing and demonstrates commitment to your workforce.
Simplify administration with expert guidance on compliance, claims, and day-to-day management.
About ilumiti
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Why Group Income Protection matters
Financial wellbeing is a cornerstone of overall employee health. When employees face long-term illness, injury, or serious conditions such as cancer, the stress of lost income can be overwhelming — and it can also impact mental health.
Group Income Protection provides a regular income during recovery, helping employees focus on getting better rather than worrying about bills. This policy not only supports financial security but also demonstrates your commitment to wellbeing and resilience.
The challenge? Many employees don’t understand how income protection insurance works, and HR teams often struggle with complex policies, claims processes, and compliance.
What ilumiti do
We provide end-to-end support for your group life policy:
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Scheme set-up and provider selection
Helping you choose the right insurer and structure/cover levels for your business.
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Administration and day-to-day management
Managing enrolments, claims, and compliance so you don’t have to.
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Market review and coverage options
Assessing the market and presenting tailored solutions.
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Expert negotiation
Securing competitive rates and favourable terms.
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Underwriting support
Assisting employees through the process.
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Seamless onboarding and offboarding
Managing enrolments and terminations efficiently.
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Billing and account management
Handling invoicing and account reconciliation.
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GDPR compliance
Protecting sensitive data at every step.
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Employee guides and communication
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Annual scheme review
Evaluating performance and recommending improvements.
Why choose ilumiti?
When it comes to Group Income Protection insurance, clarity and expertise matter. Employers need a partner who can simplify complex policies, manage compliance, and ensure employees understand the value of this benefit.
Here’s why ilumiti is the right choice:
Specialist knowledge in income protection schemes – We help employers design and manage policies that fit their workforce and budget.
Strong relationships with leading insurance providers – Giving you access to competitive rates and comprehensive cover.
Dedicated advisers for your team – Our experts guide HR and employees through claims, eligibility, and return-to-work support.
End-to-end administration – From policy set-up to ongoing management, we make the process simple and stress-free.
Clear, human communication – We translate insurance jargon into language employees understand, improving engagement and trust.
Want to see what’s possible?
Let’s turn your benefits into a programme employees truly value. From scheme set-up to engagement campaigns, we’ll help you create a strategy that supports wellbeing and helps improve retention.
Get in touch to discuss how we can support your next income protection rollout or engagement campaign.
Frequently Asked Questions
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Group Income Protection is a collective insurance policy provided by employers to cover multiple employees, offering a safety net during long-term illness or injury. In contrast, individual income protection policies are purchased by individuals for personal coverage. Group policies often come at a lower cost due to the shared risk among employees and may include additional benefits tailored to the workforce, while individual policies can be customised to fit personal needs but may be more expensive.
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Employers benefit from Group Income Protection by enhancing employee morale and loyalty, demonstrating a commitment to their workforce's wellbeing. This type of coverage can reduce absenteeism and improve productivity, as employees feel secure knowing they have financial support during difficult times. Additionally, offering such benefits can make a company more attractive to potential hires, helping to retain top talent and reduce turnover costs.
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When selecting a Group Income Protection provider, employers should consider factors such as the provider's reputation, financial stability, and the range of coverage options available. It's also important to evaluate the provider's claims process, customer service quality, and the level of support offered for both HR teams and employees. Additionally, competitive pricing and the ability to customise plans to fit the specific needs of the workforce are crucial considerations.
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Employees can learn more about their Group Income Protection benefits through various channels. Employers should provide clear communication, including employee guides and informational sessions, to explain the policy details and claims process. Regular updates and reminders about the benefits can also help keep employees informed and engaged.
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If an employee needs to make a claim on their Group Income Protection policy, they should first notify their HR department or the designated contact person within the organisation. The employer will then guide the employee through the claims process, which typically involves submitting necessary documentation, such as medical reports and proof of income loss. The insurance provider will review the claim and communicate the outcome, ensuring that employees receive the support they need during their recovery. Your employee benefits broker can lend a tremendous amount of value in this claims process by coordinating between the employer and insurance provider.
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Yes — many leading Group Income Protection (GIP) policies now include mental health support as part of their offering. In addition to providing financial security during long-term absence, these policies often include:
Employee Assistance Programmes (EAPs) – Confidential counselling and advice services for employees and their families.
Access to mental health specialists – Including therapy sessions and psychiatric support where clinically appropriate.
Wellbeing resources – Digital tools, resilience training, and stress management programmes to help prevent issues before they escalate.
This means GIP is not just about income replacement; it’s a holistic benefit that supports recovery and wellbeing, helping employees return to work healthier and more resilient.