Income Protection Insurance For Teachers 2025 Guide

Receive a monthly income for as long as you need if you are off work sick or physically injured – it is that simple.

Do Teachers Need Income Protection?

The long and short – Yes. On average, teachers in the UK get only 11 paid sick days per year. The average income protection claim lasts 18 months.

An income protection insurance for teachers policy will pay out in the event of ANY sickness or injury.

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Why Income Protection?

If you are online researching income protection insurance for teachers, the thought may have crossed your mind.

“What if something happens to me?” Unfortunately, it could.

You can’t control getting sick or injured, but we can control whether we’re protected. Income protection is flexible insurance that pays teachers a tax-free benefit if they are off work due to sickness or injury.

Further benefits of teachers’ income protection cover:

• Monthly Rolling – You are never tied to any agreement. Income protection is entirely flexible.
• Available if you are full-time, part-time, temp or agency.
• Very affordable options can start from £10 per month.
• You will be covered instantly – as soon as today!
• Payments can be received monthly until retirement.
• There are no upfront costs whatsoever.
• Existing medical conditions accepted.
• Dual deferred periods are available for sick pay that gradually reduces over time.

Factors that will determine the cost of your income protection plan

• Fixing the premium type to ensure your monthly cost remains the same
• The level of coverage you will require: you can receive a maximum of 70% or opt for a lower amount that will cover vital bills
• Your age at the point of application – The younger, the better!
• Your medical background – The more extensive, the higher the risk, but our team can find you the best option.

In your deferred period, you can select a waiting period that is applied before you receive your monthly benefit. The longer you can wait, the lower the cost.

What Government Assistance is Available for Teachers?

Unfortunately, there isn’t much support beyond receiving sick pay. SSP is currently £99.36 and is paid out for 28 weeks. An average income protection claim will last 18 months.

UK Financial Statistics

• The average household is just 24 days from the breadline, far shorter than the 90 days they believed.
• Almost half of all households feel that losing their income is one of their biggest worries if they cannot work.
• 2 in 5 households have less than £1,000 in savings. 1 in 5 has no savings.

Have you considered what would happen if you could not work? If you have savings, will they cover all your outgoings for over 12 months?

The chances are, the answer to that question is no. Let us show you the affordability of this cover with a free, no-obligation quote.

1 in 20 teachers has mental health struggles that last over a year

Teaching is widely accepted as one of the most high-pressure jobs, especially after COVID-19.

Stress is one of the main conditions for which a claim is made on teachers’ income protection. This claim lasts, on average, 8 months, giving you breathing space to get your mental health back on track without missing any monthly commitments.

Teachers can also fall victim to physical injuries or have an accident, leaving them unable to work. This would also result in a successful claim, allowing them to recover thoroughly and anxiety-free, knowing all financial commitments would be covered.

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Did you know that income protection not only pays you a monthly benefit when you are sick or injured?

There is a list of great features these policies come with that nobody ever seems to discuss. The features provide care not just for you but also for your loved ones.

Additional Benefits That Come With an Income Protection Policy:

• Waiver of premium – During a claim, the insurer will pay for your policy
• Hospitalisation benefit – Get £100 for each night you are hospitalised
• Trauma benefit – Receive a lump sum of £50,000 if diagnosed with specific conditions
• Fracture cover – Receive a lump sum for every fracture/broken bone and claim as many times as you want.
• It is ideal for those with sporty or active hobbies.
• Death benefit – Get a lump sum if you pass away during the policy term
• 24/7 free GP service – This includes telephone or video consultations with private prescriptions
• Private diagnostic testing for Oncology, Cardiology or Neurosurgery also protects your children.
• Family care benefit – If your partner or child has been sick or injured for three months, you can claim your monthly benefit for a whole year while they recover.

And many more extra benefits can come FREE with an income protection policy.

Here are some everyday scenarios and genuine prices:

Meet Claire

Claire is 34 and earns £36,000 per year. She has no medical conditions.

Claire has had her policy for two years and is, unfortunately, in a position where she needs to claim for depression and anxiety.

Her claim is accepted immediately, and she receives £1,800 per month, tax-free, for 9 months. Claire’s policy remains active at the same great price, as she can make multiple claims due to the policy she was advised to have.

This policy costs £14.32 per month, meaning Claire paid £343.68 over two years and got back £16,200.

Meet Syed

Syed is 61 and earns £58,000 per year. He has IBS.

Syed is very active and goes mountain biking regularly as a hobby.

Unfortunately, Syed has an accident, which leaves him in bad shape in the hospital for 30 days. Once out of the hospital, Syed takes three months to recover.

Syed received £3,000 as a hospitalisation benefit and £2,784 for each month he was out of work. The hospitalisation benefit came at no extra cost and was added on by the adviser he dealt with.

If you’re a teacher and have found yourself reading about income protection online, don’t delay. Get a free, no-obligation quote today and start protecting your tomorrow today.

Please read our life insurance for teachers guide if you are also interested in complimentary life insurance quotes.

Types Of Cover Available

Type	Description	Key Insurers
Short-Term Income Protection	Provides coverage for a limited period (1-5 years) for each claim. It can be ideal for temporary conditions or injuries.	Aviva, Vitality
Long-Term Income Protection	Offers benefits until retirement age or until recovery from illness/injury. Ideal for chronic or long-term conditions.	AEGON, LV=
Own Occupation	It covers the teacher’s role and ensures benefits if they can’t perform their teaching duties due to illness.	Zurich, British Friendly
Suited Occupation	It covers the teacher’s job role, ensuring benefits if they can’t perform their teaching duties due to illness.	Royal London, AIG
Any Occupation	Provides benefits only if the teacher cannot work in any occupation, making it harder to claim.	Aviva

Additional Benefits with Income Protection

Benefit	Description	Key Providers
Waiver of Premium	The Insurer pays the policy premium during a claim period, ensuring the policy remains active.	Royal London, LV=
Hospitalisation Benefit	Offers a fixed amount per night if hospitalised, e.g., £100 per night.	Aviva, British Friendly
Trauma Benefit	Provides a lump sum (e.g., £50,000) for specific critical conditions like cancer or heart attack.	Zurich, AIG
Fracture Cover	Pays out for fractures or broken bones, which is especially useful for active teachers.	Vitality, Royal London
Death Benefit	Offers a lump sum to beneficiaries if the policyholder dies during the policy term.	RBS, Zurich
24/7 Free GP Service	Includes telephone or video consultations with private prescriptions.	LV=, Aviva
Private Diagnostics Testing	Pays out for fractures or broken bones, which is especially useful for active teachers.	British Friendly, AIG
Family Care Benefit	It covers tests for conditions like cancer, heart disease, and neurosurgery, sometimes extending to children.	LV=, Halifax

Factors Affecting Premiums for Teachers

Factor	Description	Outcome
Age	Younger applicants generally get lower premiums.	Increases premiums with age
Medical History	Pre-existing conditions may increase premiums.	Higher risk can mean higher premiums
Deferred Period	The length of time before benefits are paid after a claim. Longer periods reduce premiums.	Short periods increase, long periods decrease premiums
Policy Type	Choosing between level, age-banded, or reviewable premiums can significantly impact costs.	The Level is stable; age-banded increases; reviewable fluctuates
Occupation Definition	“Own Occupation” provides the most comprehensive cover, but at higher costs.	Own Occupation increases premiums

Mental Health and Stress Coverage

Aspect	Description	Key UK Insurers
Stress Inclusion	Some policies exclude stress, while others cover mental health problems if not pre-existing.	Vitality, British Friendly
Mental Health Support	Some insurers offer additional mental health resources, including counselling and therapy support.	AIG, LV=
Long-Term Mental Health Claims	Coverage duration can be crucial for conditions like depression or anxiety, which may require extended time off.	Aviva, Zurich

Government and Employer Support

Support Type	Description	Relevance to Income Protection
Statutory Sick Pay (SSP)	Government support of £99.35 per week for up to 28 weeks.	Typically insufficient, making Income Protection essential
Teacher Sick Pay	Up to six months full pay and six months half pay; varies by employer.	Helps in setting a deferred period for the policy
Employment and Support Allowance (ESA)	A state benefit that can be as low as £74.70 per week.	Often inadequate, highlighting the need for additional cover

Income Protection For Teachers FAQs

Other guides you might find helpful:

Research sources:

• https://neu.org.uk/advice/your-rights-work/contracts/sick-leave/teachers-sick-pay-and-sick-leave-entitlement
• https://protection.aviva.com/globalassets/life/documents/4128_occupational_sales_aid_teachers.pdf