Road to recovery

Work-related absence costs the UK economy £11.6bn each year, a trend that industry experts suggest is unlikely to abate any time soon. It is therefore hardly surprising that many firms have shifted their focus from simply trying to prevent workers becoming unable to work, to helping them get back on their feet as soon as possible. But while more and more insurers offer some sort of rehabilitation services alongside income protection (IP), there still seems to be some confusion as to what impact this could have on claims. To examine this, it is important to first look at what triggers an...