Group Income Protection
Our group income protection (GIP) solution provides an invaluable replacement income for employees who are sick or injured and unable to work. In addition employers also gain access to a vast range of support and assistance services designed to help businesses, managers and staff. From the day zero or early interventions and rehabilitation of insured members to the Added Value Support Services available to all UK employees and their eligible dependants*. A Generali Income Protection policy can not only help companies improve productivity, recruitment and retention but can also help control the cost and incidence of insurance claims.
An extensive range of free, added-value, wellbeing services is available to all UK employees of our GIP clients – whether insured under the policy or not – along with their eligible dependants*. These include: an Employee Assistance Programme, the new Eldercare Support Service and Best Doctors®.
Services to support managers – and corporate wellbeing strategy – are also included as standard, such as day zero and early interventions, potential for wellbeing investment matching, claims management and rehabilitation, plus our Wellbeing Communications Hub, designed to assist HR and CompBen professionals build brand engagement and loyalty by ensuring their UK employees are aware of the valuable complementary wellbeing services available with the Generali UK Group Life and Income Protection plans.
Our Wellbeing Communications Calendar brings you a valuable range of communication resources: webinars, workshops, videos and articles, conveniently grouped according to national and international wellbeing awareness days – whether physical, emotional, social or financial. All of the materials, including some workshops and training courses, are available completely free of charge.
- Assistance managing absence more effectively through early intervention
- Efficient claims management and assessment using our vast experience and deep understanding of paying valid claims and encouraging workplace reintegration where appropriate
- One-to-one HR support including process workshops, regular reviews, management information
- Assistance in fulfilling the employer’s duties under the Equality Act 2010
- Effective direct and indirect cost control
- Access to a network of highly skilled professional service providers
- Greater awareness of health issues
- Alternative financial solutions
- EAP and Best Doctors available to all employees of our UK GIP clients and their eligible dependants*
- Eldercare support service available to all employees of our UK GIP clients and their eligible dependants*
- All clients have access to day zero support and medically supported early interventions
- Highly experienced claims team
- Low claims in payment to assessor ratio
*Eligible dependants include the employee’s spouse/partner, any parent, parent-in-law, brother or sister living in the same household; any legal dependant under the age of 21 and in full time education; or any other legal dependant who is dependent on the member because of disability. Eligibility to the Eldercare Support Service is also extended to dependant parents and parents-in-law not resident in the employee’s home. Employers are recommended to make independent arrangements to declare any taxable benefit to their local tax office.
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