We all expect insurance policies to pay out when we need them and group income protection is no exception, but that is not all it does.

Group risk benefits are mostly associated with catastrophic life events, such as illness, accidents, disability and death, but they can, and do, provide everyday help to HR, line managers, business owners and employees alike, in recognition of the fact that making a claim is not an everyday occurrence.

The group risk industry has long recognised the importance of early intervention in supporting people through difficult times and helping them remain in or get back to work. That is why group income protection in particular has evolved away from a purely financial product to one that includes support services that complement an employer’s health, attendance and wellbeing programmes.

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