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Group Income Protection

Jacobs Financial provides advice to employers on the setting up and review of group income protection (permanent health, “PHI”) insurance schemes for staff.


This cover is taken out to enable a company to continue an employee's salary in the event of long-term sickness or disability.  Typically, benefit is insured at 75% of salary and is paid after 6 months’ absence.  The premiums paid by the company will normally be treated as a business expense and employees are not taxed on the cost.


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