Income Protection for Healthcare and Veterinary professionals
What would you do if you couldn’t work because of
illness or injury?
Sickness or injury can affect any of us of at any age and at any time. In fact, a record number of 1 in 16 people are off work long term in the UK (xxxx).
Imagine if that was you.
You may get sick pay from your employer for a short amount of time, or if you are self-employed with no sick pay you may have some savings set aside. But what happens next? Your mortgage, bills and essential outgoings – How would they all be paid?
That’s where Income Protection Plus comes in.
PG Mutual’s Income Protection Plus provides you with a financial safety net for times like these. It can pay you a regular income until you are well enough to go back to work or reach the age of 65, plus provides you with additional support services to help you live a healthier life as well as get you back to fitness and the job you love sooner.
Is it worth taking the risk of not having Income Protection Plus?
How Income Protection Plus works
Income Protection Plus is quite simple.
You pay a monthly premium, and you can rest assured that if you become too ill or injured to work, we can pay you a monthly income of up to 70% of your pre-tax income until you sufficiently recover, or reach age 65, whichever comes first.
That means you don’t need to worry about the money and can just concentrate on your recovery.
Why choose PG Mutual?
PG Mutual was set up by pharmacists back in 1928. We understand the healthcare market as we’ve been doing it for almost 100 years.
We now support all types of healthcare and veterinary professionals, and we pride ourselves on our service levels and support services.
PG Mutual Income Protection Plus
Here at PG Mutual we specialise in offering Income Protection to healthcare and veterinary professionals whether they are full, part time or self-employed. We understand our market inside out as we’ve been doing it for almost 100 years.
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Doctors & Medical professionals
As a medical professional, you’re constantly busy looking after others. You will want to be sure you have an income protection plan that can take care of you. That’s where PG Mutual’s Income Protection Plus plan can really help.
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Nurses
Many people think they can rely on a spouse or family members if they need to take time off work due to illness or injury, but it’s a lot to ask of someone else to cover your outgoings. At PG Mutual we are specialists in supporting healthcare professionals just like you when you need it the most.
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Pharmacists
The role of today’s pharmacist is one of constant change especially with recent initiatives such as Pharmacy First. At PG Mutual, we understand the market and are constantly changing ourselves to meet the needs of pharmacists just like you.
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Dentists
Nowadays employer’s sick pay doesn’t necessarily cover the entire time you might need to take off, and often it’s too much to expect a spouse or family to cover the shortfall. At PG Mutual we can help cover your outgoings if you are unable to work because of illness or injury.
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Opticians
At PG Mutual, we specialise in supporting opticians just like you. You will want to be sure you have an income protection plan you can tailor to suit to your needs and that’s where PG Mutual’s Income Protection Plus plan can really help.
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Vets
Whether you are looking after the biggest of animals or the smallest of pets we know that a kick or bite can put you out for weeks or months. At PG Mutual we help cover your outgoings if you are unable to work because of illness or injury and could support you with the right rehabilitation programme to help you get back to the job you love.
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Locums
We know how important locums are across the wide world of healthcare, and we are also aware that your needs are specific and often different to those of employed staff. At PG Mutual we believe that locums deserve all the cover and support enjoyed by employees. We have created solutions that are bespoke, flexible and controlled by you.
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GPs
With all the changes happening in GP working practices you will want to be sure you have an income protection plan you can tailor to suit to your needs. That’s where PG Mutual’s Income Protection Plus plan can really help.
How Income Protection Plus has helped real PG Mutual members
Names have been changed but these are real examples
Bijal had been working as a GP, both privately and for the NHS. He was in his mid-thirties and his wife was expecting a baby when he was diagnosed with a progressive neurological disorder which slowly reduced his ability to work, before having to stop working entirely.
Initially, for the first six months, he was covered partly by the private practice and partly by the NHS, but he was soon in a position where these payments came to an end. As a member of PG Mutual he then started claiming his income protection benefit of £3,998.80 per month and will continue to do so until he reaches the age of 65.
Back in 2017 a stable wall fell upon Dave while he was treating a sick horse causing him extensive injuries. Dave had to be off work for 2 years.
Over those 2 years PG Mutual paid out 100% of his covered income and it meant Dave could maintain his lifestyle and pay his bills, letting him concentrate on his recovery. We also supported Dave with a specialist rehabilitation programme to help get him back to work, at no additional cost He is now back at the job he loves and continuing his career.
Anna was only off work for a few days with Gastroenteritis but being self-employed this meant losing her income.
Without having Income Protection Plus she would have had to dip into her savings to pay her bills but thankfully, due to her claim being paid quickly by PG Mutual, she didn’t need to.
What you get with Income
Protection Plus
At PG Mutual we call our cover Income Protection Plus because of the many added benefits that come with membership.
If you feel this might be the right support for you then get a
quote today.
