Protection Watch: Kevin Carr's verdicts on recent developments

1. Fade to Grey While progress continues to be made, the exact situation regarding whether the presence of an income protection claim could impact a client's state benefits remains a grey area for advisers and insurers. For context, not very many people have income protection, not everyone claims on it, and those who do may not be too worried about losing some entitlement to means tested state benefits, such as Universal Credit. Advisers should, however, be clear with clients that risks may exist. What we do know is that the DWP is engaging positively with the industry and has agreed som...