What Conditions Does Income Protection Cover?
Income protection covers any illness or injury that prevents you from working. This includes mental health conditions (stress, anxiety, depression), musculoskeletal problems (back pain, joint issues), cancer, heart conditions, and injuries. Unlike critical illness, it's not limited to a specific list of conditions.
Common Covered Conditions
Mental health
Stress, anxiety, depression, burnout - the most common claim reasons
Musculoskeletal
Back pain, joint problems, RSI, sports injuries
Serious illness
Cancer, heart conditions, stroke - any illness stopping work
Any incapacity
Unlike critical illness, covers ANY condition preventing work
Frequently Asked Questions
Does income protection cover mental health?
Yes, most policies cover mental health conditions including stress, anxiety, and depression. These are actually among the most common claim reasons. Some policies have specific mental health terms, so check your policy wording.
Is back pain covered?
Yes. Musculoskeletal problems including back pain, joint issues, and repetitive strain injuries are the most common claims after mental health. If the condition prevents you working, you can claim.
Does it cover cancer?
Yes. Unlike critical illness which only pays for specific cancer stages, income protection pays for any cancer that stops you working - even early-stage or treatable cancers during recovery.
What about pregnancy complications?
Standard pregnancy isn't covered as it's not illness, but pregnancy complications, difficult births, or postnatal conditions that prevent work are typically covered.
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.