User 94% Over the last10 years we havepaid an averageof 94% of claims. 94% Over the last10 years we havepaid an averageof 94% of claims. *Office of National Statistics, 2022 An estimated 149.3 million working days were lost because of sickness or injuryin the UK in 2021, equivalent to 4.6 days per worker*. MEB construction balloonuser-outlinefriendly-voicetelephone email <?xml version="1.0" encoding="utf-8"?> toolbox starstar-1sterling-pound-sign-of-moneyhearttrophy speech-bubblepound-sterling contactclipboardprescriptionprescription-1paperfilehandshakealarm-clockeditwriting twitter linkedin instagram youtube facebook


Accident Protection

If you have a deferred period contract, this option provides cover from the first day of incapacity if you suffer an accident that leads to time off work and a loss of earnings.

Contract End Date

This is the date your contract will cease.

Contract Start Date

This is the start date of your contract.

Deferred Period

The amount of time you have to be out of work due to illness or injury before a claim can be paid. Your deferred period will start on the first day you stop work and is outlined in your contract and the table above. You need to wait until your deferred period is finished before a claim can be accepted.

Fracture Benefit

Provides a lump sum payment of £1,500 in the event you suffer a fracture to any one of our ‘listed’ bones. This benefit will be paid irrespective of whether or not you are in receipt of health benefits.

Hospitalisation Benefit

Provides a payment of £50 per night, following three consecutive nights in a UK hospital, backdated to the first night’s stay.

Immediate Death Benefit

A lump sum of £7,500 payable on death with cover ceasing on your 70th birthday, or your retirement age.


This is the option to have your benefit linked to the Consumer Price Index (CPI) or such lower measure of inflation as the Society may apply from time to time at its discretion.

Maximum Weekly Benefit Amount

This is the maximum amount of benefit you can claim. It is not a guaranteed amount as it will be dependent on your actual evidenced earnings. If you have elected for a short-term claim period, then the payment of benefits is limited to two years per claim.

Monthly Premium

This is the monthly payment to provide the benefits outlined.

Retirement Age

This is the age at which you originally confirmed you would retire from your occupation.

Severe Injury Cover

If you have chosen a deferred period, you can apply to add Severe Injury Cover. If you have to stop working because of one of the listed injuries, and as a result your earnings go down, you can claim Injury Benefit that will be paid from the first day you are unable to work, subject to at least four consecutive days off work.

Type of Premium

A level premium is where your monthly payment will remain the same throughout the term of your contract. An escalating premium will increase your monthly payment each year following your birthday.