When the reason you’re unable to work is due to a sports related injury, it could throw a ‘spanner in the works’ when it comes to company sick pay.
Whilst you will still be able to claim Statutory Sick Pay, it’s now common for an employers Terms & Conditions of Employment to state that the payment of company sick pay is “at the discretion of the company”. This means your employer has the right to decide, on a case-by-case basis, whether they will pay you sick pay or not, and if so, how much and for how long. Even in cases where a company does have a pay sick pay package, you could find additional clauses when it comes to sports or recreation.
As part of your advice journey, our Advisors will ask about any sick pay or on-going income you may get. This means that we can give you protection insurance advice, based both on your needs and personal circumstances, about products to suit you as an individual.
No-one wants to get injured, let alone end up unable to work as a result…but we all know it can, and does, happen!
Protection insurance that doesn’t exclude sports – even those pursuits that are considered as ‘high risk’ or hazardous – could help financially support you and your loved ones while your off work recovering.
We can advise and arrange protection insurance for you that:
24/7 Protection
Offers Worldwide cover that keeps you protected, all day, every day.
All sports covered
Can cover all sports, hobbies and pursuits – even winter sports.
Amateur and Professional sports
Will suit your personal level of participation or achievement.
Individual & family plans
Can have family cover for children added to your own plan
*Cover is subject to the Insurance Providers Terms & Conditions, medical underwriting and status of country of travel
Protecting your income
As an amateur or professional sportsperson, you can be at a higher risk of injury. If you are unable to work due to a sports injury, how would you pay the bills?
Income Protection insurance can give you, and your loved ones, peace of mind that, if a sports injury means you can’t work, you have insurance in place that could help support you financially.
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The above cover is available across several different policies and all cover is subject to underwriting and individual circumstances.
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