TL;DR: Income protection can pay you a monthly income if you cannot work due to illness or injury. It is designed to replace part of your salary (often up to 50-70%) until you return to work or the policy ends, after an initial waiting period. It is different to critical illness, which typically pays a one-off lump sum.
This guide explains everything you need to know about this type of cover, including how it works, what affects the cost, and whether it's right for your situation. Our FCA-regulated advisers can help you compare options from leading UK providers.
Key Points
- Replaces your earnings when illness or injury prevents working
- Typically covers 50-70% of your gross salary
- Payments continue until you recover, retire, or the policy ends
- Can cover almost any illness or injury that prevents work
Who Is This For?
This information is particularly relevant if you're self-employed, a contractor, or anyone without comprehensive employer sick pay. If losing your income would affect your ability to pay bills, rent, or mortgage, income protection provides a financial safety net. See our dedicated guide to income protection for self-employed workers.
Next Steps
Our FCA-regulated advisers can help you find the right income protection policy for your circumstances. We compare the whole market to find cover that fits your budget and needs.
Frequently Asked Questions
Income Protection Questions Answered
Get clear answers to the most common questions about income protection insurance.
Cost & Value
Claims & Payouts
Coverage
General Information
Related Topics
Content reviewed: January 2026