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


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Your income protection contract insures part of your earnings so that if you are unable to work because of illness or injury, and as a result your earnings go down or stop, you will be able to claim benefit to help you meet essential costs.

Find out more...

You can find full details about your contract by exploring the documents in Useful Documents.

Need to make a claim?

We understand the claims process can be daunting, and so we’ll do all we can to make it as smooth and easy as possible for you. Our Claims Page explains how to make a claim on your income protection contract and what to expect from us at each step of the process.

Call our Claims Team
0800 587 5098

Email our Claims Team

Added-value Benefits

As a mutual organisation, everything we do is always for the benefit of our members. With no shareholders to pay, we reinvest straight back into the Society for you – whether it is to create an even better service, innovative new products or added-value benefits. Your income protection contract and the benefits you have access to in addition to your contract, are there to help support you financially and with your wellbeing.

Member Perks

Discounts on lifestyle and shopping.

125 Foundation

Exclusive financial support

Friendly Voice

Confidential telephone service from a Personal Nurse


Virtual GP service

Childrens Critical Illness

Financial support should your child fall ill

Your Halo

Personalised health and wellbeing service

Who can support you?

Your Member Services Team

Your dedicated Member Services Team are on hand to help with all your queries and to be there when you need them most.

The team will go above and beyond for you, from helping you understand your contract and make any changes, to providing details of your Added-value benefits.

We're here to help