Income Protection for NHS Doctors and Surgeons covers a broad range of working tasks activities and many insurance providers will want to know your exact daily routine in order to underwrite your policy. LV= have enhanced their Income Protection policy acceptance for NHS Doctors and Surgeons by basing their terms upon job titles rather than working tasks definitions.
Last year LV= have revamped their Income Protection guidelines for all NHS Doctors and Surgeons who are registered with the General Medical Council. Below is a summary of the new policy benefits:
|Length of NHS Service||LV= Sick Pay Guarantee 50% of monthly benefit after...||LV= Sick Pay Guarantee 100% of monthly benefit after...|
|Up to 1 year||1 months||3 months|
|Over 1 year and up to 2 years||2 months||4 months|
|Over 2 years and up to 3 years||4 months||8 months|
|Over 3 years and up to 5 years||5 months||10 months|
|Over 5 years||6 months||12 months|
An LV= Income Protection policy will allow you to protect a maximum of 55% of your pre-tax income. We would strongly recommend that you speak with one of our industry trained advisers who regularly source insurance for Doctors and Surgeons if you choose to apply for Income Protection. By speaking with one of our advisers you can rest assured that your Income Protection policy will match your needs.
Why not use our online quotation system to see how much Income Protection could be for you.
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