Income Protection Plus
for Pharmacists
Have you ever had to step away from work, not just for a day,
but for weeks or even months?
Whether you’re a locum, a business owner, or working in a busy community pharmacy, one thing’s true: if you can’t work, your income stops. Employer sick pay might last a few weeks – if you have it at all. And asking family to cover your salary long-term? That’s a heavy ask.
That’s where Income Protection Plus comes in.
Income Protection Plus provides you with a financial safety net when illness or injury stops you from working. You could receive up to 70% of your pre-tax income, paid until you’re fit fit enough to get back to your job or reach the age of 65, whichever comes first.
No two pharmacists are the same. That’s why Income Protection Plus is flexible to suit your lifestyle and budget. Whether you work full-time, part-time or are self-employed, you can tailor your cover to fit your needs – giving you a steady income while you focus on recovery
How Income Protection Plus
has helped a pharmacist
Michael, (his name has been changed for confidentiality), had been a pharmacist for over 20 years and owned his own business. When he had a heart attack, he was unable to work or run his business for several months.
Throughout this time, PG Mutual were able to financially support his livelihood and lifestyle as well as support his wellbeing with regular calls with a nurse to discuss his condition.
Michael received £12,857 in claim payments by the time he was fit enough to return back to work.
Why pharmacists should choose PG Mutual
PG Mutual was started by pharmacists back in 1928 and we have supported healthcare professionals ever since.
- Tailored protection that fits your role. Whether you work full-time, part-time, freelance, or run your own pharmacy, you can adapt your plan to your schedule and budget.
- Flexible start dates, you’re in control. Choose when your cover begins: day one, or after 7, 14, 30, 90, 180 or 365 days. You decide what works for your income and recovery needs.
- Support when you need it most. We understand the pressures of pharmacy work. Our team is just a phone call away, ready to help when life takes an unexpected turn.
- Wellbeing support for you too. Your membership includes free access to a 24/7 virtual GP and confidential counselling service, because even caregivers need care.
- Long-term security, on your terms. Your plan can pay until you’re 65 or until you’re ready to return to work. It’s not just income protection – it’s peace of mind.
- The Plus in Income Protection Plus. Your plan includes a profit share feature that aims to build a cash lump sum over the life of your policy.
Our Income Protection Plus plan has evolved over the years as we continuously address the growing needs of pharmacists.
With our Income Protection Plus plan its reassuring to know that not only do we provide the income support you may need when you need it the most, but as a PG Mutual member you’ll also have access to a range of support services to help you live a healthier and happier life.
If you feel this might be the right support for you then get a quote today: