Can I Claim Income Protection and Work Part-Time?
Yes, you can often claim income protection while working part-time. Most policies include 'proportionate benefit' - if you return to work part-time, your payment reduces to supplement your earnings. This encourages gradual rehabilitation. Check your policy's specific terms as calculations vary between providers.
How It Works
Proportionate benefit
Most policies reduce payments proportionally when you return part-time
Rehabilitation support
Many insurers encourage and support gradual return to work
Earnings top-up
Payments supplement your part-time earnings to near previous income
Flexible return
Work as much as you're able - benefit adjusts accordingly
Frequently Asked Questions
Can I work part-time and still claim?
Yes, many policies include 'proportionate benefit' or 'rehabilitation benefit'. If you return to work part-time, you receive a reduced payment to top up your reduced earnings. This encourages gradual return to work.
How is the partial payment calculated?
Typically based on the percentage of income you're earning. If you're earning 50% of your pre-illness salary, you might receive 50% of your benefit. Each policy calculates this differently.
Does it affect my future claims?
No. Returning to work part-time doesn't affect your ability to claim again in future. If your condition worsens and you need to stop work again, your full benefit resumes.
What if I can only do a different job?
This depends on your policy definition. 'Own occupation' policies are best - they pay if you can't do YOUR job, even if you could do other work. 'Any occupation' policies are stricter.
Related Questions
This page provides general information only and does not constitute personal financial advice. Income protection insurance products and their terms vary between providers. Always read the policy documentation carefully before purchasing. Your Home Finance is authorised and regulated by the Financial Conduct Authority.