Paul Avis: Group risk - income protection

Group income protection provides a proportion of an employee's salary every month, should they be unable to work through sickness or injury throughout a waiting or ‘deferred' period. As well as salary, pension and National Insurance contributions can be covered and benefits can be level or escalate in payment each year. This benefit is becoming more important for employees. From 6 April 2017, applicants for employment and support allowance (ESA) who are assessed as unfit for work but capable of work-related activity (WRAC) will receive a lower level of State benefit that is equivalent to...