Personal Sick Pay:


Income protection for clients in riskier jobs

We believe everyone should have peace of mind over their income, regardless of their occupation. Some clients in riskier jobs – like tradespeople, nurses and electricians – can be more expensive to insure, and need tailored cover. 

Our Personal Sick Pay offers specialist income protection aimed specifically at these clients. It’s built with a number of features with them in mind:

  • Cover for up to 60% of earnings.
  • Weekly or monthly claim benefit payment.
  • Age costed premiums.
  • Personal Sick Pay £1,000 guarantee.
  • Own occupation definition of sickness.
  • Waiver of premium option.
  • Part of the Flexible Protection Plan menu.
  • We offer different waiting period options to suit your client, from day 1 through to 1, 4, 8, 13, 26 or 52 weeks.

Product profile

Personal sick pay helps replace some of your clients’ income if they’re unable to work due to long-term sickness or an accident. Learn more about the target market, main features, limits, risks and costs:Waiver of Premium product profile

Important information

Our tailored support places your client at the heart of our offering – giving them peace of mind when it’s needed most. Here are some important things you should know about our Personal Sick Pay:

  • We won’t pay a claim if your client becomes unemployed or is made redundant.
  • If your client chooses level cover, it won’t keep up with inflation and could buy less in the future. 
  • We won’t pay out in the event of a normal pregnancy.
  • Clients can insure up to 60% of their earnings at outset – subject to a minimum amount of cover of £6,000 a year (£500 a month) and a maximum of £100,000 a year (£8,333 a month).
  • We won’t pay out if your client isn't working for any reason, other than an illness or accident. For example, lockdown, quarantine, periods of mandatory or precautionary isolation, or suspension from work.
  • If your client stops paying their premiums, their cover may stop.
  • The minimum term is 5 years. The policy must end before your client reaches the age of 70.
  • The policy won’t pay out if your client is ill but continues to work.
  • Benefits paid at claim may reduce any state benefits your client might be entitled to.
  • To apply, your client needs to have been registered with a GP and lived in the UK for at least the last two continuous years, immediately before they take the policy out.
  • There is no cash value at any time.
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Tools to support you

Understand your client's risks and work out their cover amounts, in just a few clicks.

Cover options


Level cover

Level cover offers a fixed amount of cover – it won’t change and won’t keep up with inflation. This means your client won’t be able to buy as much with their money in the future, compared to today.

Inflation-linked cover

Here, the amount of cover will increase in-line with inflation. We then re-calculate the premium to match the new amount of cover – the premium will increase in-line with inflation.

Budget Personal Sick Pay

This is a more affordable option – it works in the same way as our standard policy, but we’ll only pay your client for a maximum of 24 months for a single claim.

Types of premium


Guaranteed future prices

If your client's insurance has guaranteed future prices, the price they'll pay in the future for each £1 of Personal Sick Pay is guaranteed to go up each year at the rate set out in the Guaranteed Future Price table.

If your clients choose guaranteed future prices, the insurance will cost a bit more to begin with. They'll know exactly what it will cost in the future and we can’t change what is set out in the table.

Speak to your account manager for a copy of our future price tables.

Reviewable future prices

If your client's insurance has reviewable future prices, then the price they'll pay in the future for each £1 of Personal Sick Pay is guaranteed to go up each year at the rate set out in the Reviewable Future Price table for the first 5 years.

After that, we’ll review the prices in the table every 5 years and the amounts quoted in the table could change (either up or down).
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Flexible Protection Plan

Personal Sick Pay forms part of our Flexible Protection Plan – the only menu plan in the market that offers specialist income protection for clients in riskier occupations. Opt to add Life and Critical Illness Cover, Life Insurance or Family Income Benefit to give your client reassurance over their future.

Protect your clients quicker – with our unique quote and apply system, Fastway, you’ll only need one application, set of underwriting and Direct Debit.

Father son standing on ladder, DIY tools
Protection optionsPersonal Sick Pay is ideally suited to your clients in riskier jobs. But what about your clients in less-risky occupations?

Income Protection provides valuable cover where the risk of occupational injury or illness is low – like office workers or accountants. It offers cost-friendly security, helping your client focus on getting better.
MoneyFacts Best Income Protection 2023 award

Moneyfacts awards

We’re here to make your advice stand out. And as a leading specialist in Income Protection, we’re even easier to recommend to your clients. With our range of products that protect your clients’ income, you can tailor your recommendations by age, lifestyle, budget and occupation.

We’re proud to have been awarded Moneyfacts’ Best Income Protection Provider for the fourteenth year running. See more on our awards for our protection and retirement options.

With a range of practical and emotional support, your clients will get the most from their Income Protection, at no extra cost.

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LV= Doctor Services

We’re here for your clients when they need us most. Your clients and their spouse/partner* have access to 6 expert medical advice services – all accessible in a handy app or by phone, wherever they are:

  • Remote GP 24/7. Unlimited consultations with a UK doctor available by phone or video.
  • Prescription services. Get a private prescription without the need for your client to visit their local GP.
  • Second opinion. Check a diagnosis and get advice on treatment options with a UK medical specialist by video or face to face consultation.
  • Remote physiotherapy. Up to five free sessions** with a trained UK physiotherapist and receive a bespoke treatment plan through video consultations.
  • Remote psychological support. Up to five free sessions** of mental health support including counselling and Cognitive Behavioural Therapy from a network of highly trained therapists. 
  • Discounted health MOTs. Benefit from 25% off health MOTs - a service that provides an assessment of overall health, identifying any risk and areas of improvement.

*Spouse, civil partner or person with whom the policyholder lives with as a partner and at the same address.

**The five sessions limit is split between the policyholder/life assured and partner/spouse.

More on LV= Doctor Services

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Benefits, exclusively for members

Your clients get greater value with our Personal Sick Pay. Once they've agreed to become an LV= member, they can get access to exclusive member benefits and additional support services.

More about the benefits available to members

We paid 88%* of Personal Sick Pay claims

We offer a clear and fair approach to paying claims – and believe anyone can be affected by long-term illness, regardless of age or lifestyle.

We’re proud to have paid 88%* of Personal Sick Pay claims in 2023. A successful claim is as important to your client as it is to you - your clients get vital financial help when they need it most and you feel confident in the provider you recommended.

*88% Personal Sick Pay claims paid (includes new claims admitted in 2023 and those already being paid before 1 January 2023 that continued to be paid in 2023) 85% Personal Sick Pay for new claims admitted in 2023. 

View our 2023 claims performance

Dedicated support for you

With expert underwriting and online quote and apply, we’re committed to supporting the conversations you have with your clients.

Our underwriting measures an individual’s risk – assessing their lifestyle, medical history, occupation, hobbies and financial circumstances. That means we offer the right terms in relation to risk. But we keep it simple – we offer terms wherever possible and without unnecessary medical evidence.

Our quote and apply system – Fastway – makes it quicker to protect clients. It’s a fast and flexible application journey and gives you an immediate underwriting decision. 

More on Fastway.

Contact Phone

Let's talk

0800 678 1890

9am - 5pm Mon-Fri

TextDirect: first dial 18001. We will record or monitor calls for training and audit purposes.