View employer-paid sick pay entitlement as an opportunity not an obstacle to individual IP, says protection adviser Matthew Chapman
In my experience, one of the most common objections to taking out Income Protection is the client's misguided notion that their sick pay will be enough to support them during any period of incapacity. If we ignore those with little or no sick pay at all (and who desperately need Income Protection) and instead focus on those who do receive reasonable sick pay entitlement - such as NHS workers, teachers and other public sector employees - in the past, this may have presented you with a challenge...
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