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Should I pay for Insurance when I am in receipt of the benefit

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Hi Good People

I'll try to keep this to the point. I claim Income insurance through my employer after a period of absence due to ill health. I'm still employed and benefit options for 2022/23 are now open. Should I select/pay for to an insurance policy I am in receipt of?


An aside, when I took out the policy I increased cover to pension age, this option is not available in the current benefit options, just the standard 5 year cover and it looks to be set to autorenew to that?

Thanks in advance :)


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benefit payment is not covered by most income protection policies...??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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4 hours ago, dx100uk said:

benefit payment is not covered by most income protection policies...??

the benefit of payment from the insurance company, nothing to do with DWP. Sorry, I should have worded it better :)

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3 hours ago, honeybee13 said:



So you're talking about further PHI cover? Does the existing PHI run to the date when your pension kicks in?




Hi HB, yeah Income protection/PHI.. its an option when choosing workplace benefits, it comes around every financial year. I have always upgraded the benefit to pension age, that was prior to falling ill and claiming through it. Every year i've just chosen it as a benefit again, now the option "until pension age" has been removed and just standard 5 year cover available. Im sure I read somewhere that when you are in receipt of payment you don't need to continue paying the premiums anyway? As\its a group policy its confuzzling!

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