Why all roads lead to Income Protection

The government’s spending review has made it clear that the contribution-based form of Employment and Support Allowance (ESA) for those in the work related activity group (the most commonly claimed form of the benefit) will only last a year. When combined with already implemented changes making it increasingly harder to claim, it seems safe to say the Big Society mantra of self sufficiency now spreads into the welfare and benefits arena. However, the government has yet to utter the magic words many in the income protection (IP) sector can’t wait to hear: ‘you’d better insure yourself....