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User <?xml version="1.0" encoding="UTF-8"?> 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

Minimum Benefit Guarantee (for new claims made from 12th May 2026)

If you claim and your earnings mean that we can’t pay your full benefit amount, we’ll apply a Minimum Benefit Guarantee for a maximum of £1,500 a month. For a monthly benefit of more than £1,500, we’ll guarantee to pay at least £1,500 a month and for a monthly benefit of £1,500 or less, we’ll guarantee to pay the chosen benefit amount. We’ll never pay more than your chosen monthly benefit amount, and we will deduct for any continuing income.

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