Wage Protector is an essential cover that supports your client when they can’t work. It’s designed specifically for workers in higher-risk jobs who are generally more expensive to insure, such as construction workers, electricians, plumbers, mechanical engineers, and the self-employed.
Aviva Wage Protector at a glance:
Peace of Mind
Protects your client from financial uncertainty.
Unrivalled Claims Experience
Paying claims is at the heart of our protection business.
Aviva Care
Access to Aviva Care included for all new protection policy holders.
How does it work?
Wage Protector provides income support if your client is unable to work due to illness or injury after a deferred period, for up to 24 months. It's a cost-effective alternative to traditional Income Protection, designed for higher-risk occupations. In exceptional cases, benefits may continue beyond 24 months following a functional assessment.
All our protection policies come with Aviva Care at no extra cost. This gives your clients and their families access to a Digital GP from the comfort of their home. Additionally, Aviva Care offers Best Doctors Second Medical Opinion, Family Care Mental Health Support, and Bereavement Counselling.
Product details
Features
Hospital cash Your client will receive a daily replacement income if in hospital for more than 7 days during the deferred period. This payment will be backdated to day 1, once your client is in hospital for more than 7 days.
Waiver of premium Your client won’t pay any premiums while we’re paying them an income, and their plan will carry on as normal. This means if they return to work and need to claim again, they can.
Overseas benefit Once the policy is in force, the client can live anywhere in the world however if a claim arises while the client is living outside the European Union or Western Europe (Channel Islands, Gibraltar, Isle of Man, Iceland, Liechtenstein, Monaco, Norway, San Marino, Switzerland, and the United Kingdom) it will be only paid for 13 weeks.
Rehabilitation benefit If your client returns to work on a reduced basis after illness or injury, Aviva may pay a Rehabilitation Benefit to help offset reduced earnings, subject to policy conditions.
Occupation change programme The plan will continue if your client changes jobs, regardless of what they will be doing in their new job. The plan will also continue if they're made redundant. They won't be able to claim while they are looking for a new job, but they won't have to reapply for cover when they're employed again.
Powered by Teladoc Health, Aviva Care provides you with GP support services to help you feel better, gives you access to world leading medical experts and supports your mental wellbeing. What’s more, these services come at no extra charge to your clients.
Download the Aviva Care app
Download the Aviva Care app from the App Store or Google Play Store. Open the app and login using your email address and password – or register for the service using your email address and policy number or access code.
About Aviva Care
Through Aviva Care you have access to Digital GP, Best Doctors Second Medical Opinion, Family Care Mental Health & Bereavement Support and our Get Fit programme.
Aviva Life & Pensions Ireland Designated Activity Company, is a private company limited by shares, registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Tel (01) 898 7950, www.aviva.ie
Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.
Aviva Life & Pensions Ireland does not guarantee the on-going availability of any or all of the Aviva Care Ireland services to its policy holders and may, at its sole discretion, withdraw access to the service at a month’s notice. If we withdraw it, we’ll write to notify policy holders at least 30 days in advance of its removal.
Teladoc Health, who provide the Aviva Care services, is not a regulated entity. Aviva Care is not a regulated service.
Aviva Life & Pensions Ireland Designated Activity Company, is a private company limited by shares, registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Tel (01) 898 7950, www.aviva.ie
Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.
