31st March 2020 GDPR & Privacy Section

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Income & Family Protection

Income Protection

Many Public Sector Employees are concerned about protecting their income following recent changes to the Public Sector Illness Benefit.
Most Private Sector employees would have to rely on the minimal disability benefit from the State in the event of long term illness.
Self – Employed individuals do not currently have any State Disability Benefit.

Irish Pensions and Finance offer Individual Income Protection Plans rather than Group Schemes. This offers you more choice on the Plan and Provider, as well as total control over your plan. For example, you can bring your Plan with you if you change jobs, and you do not need to be in a Union to apply.


So, what does Income Protection offer?

Payments of up to 75% of income
Deferred period from 6 weeks payment up to retirement/return to work
All illnesses and injuries covered

However, Income Protection can be difficult to get. You must currently be in good health and pre-existing/injuries may result in loadings/exclusions or your application being denied.

For more information on the product options available, visit our Downloads page

To get a quote in relation to your own particular circumstances, call 01 8298500 to speak to a Financial Advisor.


Click on the videos below to hear the real life stories from Income Protection claimants:

Family Protection

Many Public Sector employees do not realise that they already have substantial cover as part of their main superannuation scheme.

You may not need any extra cover or may be overpaying for double cover.

Alternatively, you may be under covered or exposed.

We recommend a consultation before you take out any protection policies.

What our consultations include:
An analysis of the amount of income your family would need in the event of your death/serious illness
Calculation of main scheme benefits already in place
Review of any existing policies
Discussion on most cost-effective way to arrange cover/cover any gaps in protection

Irish Pensions & Finance have access to all protection products available from all the main providers and can negotiate the best prices on the market on your behalf. For more information, click here