short term disability insurance


	Short Term Disability Income Insurance

UK short term income protection policies which offer a short term benefit if you suffer disability or incapacity that prevents you from working, the benefit is payable for a period of 12 months or 24 months ( income guard only ) and can be taken on its own or with Unemployment Insurance. ( income sure only ) This income protection can be arranged without the need for the protection of mortgage payments but if your reason for protecting your income is mortgage related a cheaper option could be our mortgage payment protection policy. These policies are not available online but further information can be forwarded to you by post by contacting us at info@assetguard.co.uk , you are under no obligation to proceed with the insurance cover and can contact us with any queries or questions if the policy is not fully understood. If you would like permanent income insurance against disability , accident or sickness please visit Long Term Income Protection.


	Cost of disability income insurance from £2.00 per £100 of monthly benefit

	Non mortgage related short term income protection with incapacity / disability insurance.

	Income Guard

Income protection against financial loss due to accident and sickness ( disability ) . This policy will provide a short term benefit with a choice of 12 or 24 monthly payments for any separate incapacity claim. The cost is dependent on the choice of deferred periods ( 14 or 28 days ) and your occupation. The amount of income you can protect is up to 66% of gross earnings or £2000 whichever is the lower amount and you can also arrange as an extra benefit for a lump sum payment if you suffer permanent total incapacity or accidental death. Please E-mail us if you would like further information on this policy.


	Short term income protection against disability/incapacity


	Cost per £100 of monthly benefit

	12 months - 14 day deferred period 12 months - 28 day deferred period 24 months - 28 day deferred period


		Occupation Class 1 Class 2 Class 3 Class 4

	£2.60 £3.25 N/A N/A £2.00 £2.70 £3.60 £4.25 £2.60 £3.25 £4.40 £5.50


	Capital lump sum payment for accidental death and permanent total disability.


	Cost per £10,000 up to a maximum of 5 times your gross annual salary. Class 1- £3.15 Class 2 - £4.95 Class 3 - £8.90 Class 4 - £10.40


	Occupational classes for Income Guard short term disability / incapacity insurance

Class 1 - Non manual work, clerical workers or those working solely in an office.

Class 2 - Light manual work, domestic cleaners, post office employees, sales reps, dentists, shop employees, cooks, teachers, site inspectors or factory managers.

Class 3 - Manual work, domestic electricians, nurses, family veterinary employees, engineers, factory workers, van, licensed taxi or train drivers.

Class 4 - Heavy manual work, builders, bricklayers, plumbers, PSV or HGV drivers, physiotherapists, gardeners, joiners, labourers, painters, decorators, carpenters or window cleaners.


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Income Guard at a glance

	12 or 24 months of cover Occupation rated 14 or 28 day deferred period Maximum benefit of £2000 or 66% gross income (lesser amount) Non mortgage related No unemployment cover Employed or self employed Monthly benefits and/or capital benefits.


	As you can see this could provide very affordable income protection on a short term basis if your occupation is class 1, but may prove to be more costly than other plans we have available if your occupation is deemed a higher risk, please see mortgage payment protection or check the following insurance policy..


	Income Safe


	A policy for non mortgage related short term income protection insurance against disability and/ or unemployment cover. Cost £3.65 per £100 of monthly cover


		Short term , non mortgage related protection against income loss due to disability / incapacity and/or unemployment for a period of 12 months only, this is the same insurance policy as our unemployment only insurance . The cost of cover is £3.65 per £100 for disability only or £5.85 with redundancy insurance. Please contact us for a brochure info@assetguard.co.uk

	Short term disability insurance - Income protection against accident or sickness that will pay a monthly benefit if you are incapacitated and unable to work.


		Income Safe at a glance

	Back to day one benefits - 12 monthly benefits only - 120 days initial exclusion for any unemployment claim (even if unemployment is notified within this period but starts after this period ) - Disability insurance only or with unemployment cover - benefit up to £1000 or 50% gross earnings ( lesser amount )

Short Term Disability Income Insurance

Cost of disability income insurance from £2.00 per £100 of monthly benefit

A policy for non mortgage related short term income protection insurance against disability and/ or unemployment cover. Cost £3.65 per £100 of monthly cover

Short term disability insurance - Income protection against accident or sickness that will pay a monthly benefit if you are incapacitated and unable to work.