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User<?xml version="1.0" encoding="UTF-8"?>94%Over the last10 yearswe havepaid an averageof 94% of claims.94%Over the last10 yearswe havepaid an averageof 94% of claims.*Office of National Statistics, 2022An estimated149.3 millionworking days were lost because of sickness or injuryin the UK in 2021, equivalent to 4.6 days per worker*.MEBconstructionballoonuser-outlinefriendly-voicetelephoneemail<?xml version="1.0" encoding="utf-8"?>toolboxtwitterlinkedininstagramyoutubefacebook

Minimum Benefit Guarantee (for new claims made from 12th May 2026)

If you claim and your earnings mean that we can’t pay your full benefit amount, we’ll apply a Minimum Benefit Guarantee for a maximum of £1,500 a month. For a monthly benefit of more than £1,500, we’ll guarantee to pay at least £1,500 a month and for a monthly benefit of £1,500 or less, we’ll guarantee to pay the chosen benefit amount. We’ll never pay more than your chosen monthly benefit amount, and we will deduct for any continuing income.

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