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Personal Accident & Income Protection If you are out of work as a result of sickness or an accident will your income continue? There are two types of cover available to protect you:
  • Sickness / Accident Benefit
  • Income Protection

Sickness / Accident Benefit

Personal accident is a type cover that is designed to provide you with an income and/or a lump sum in the event of a sickness or accident preventing you from being able to work.

Policies can be written on a group or individual basis and offer flexible coverage periods. There are a number of companies offering this cover in Ireland and it is rated based on

  • Your occupation
  • Your age
  • Amount of cover required

Income Protection

Income protection provides you with a portion of your salary which is paid to you if you are unable to work due to sickness or injury.  Depending on how long you would be paid by your employer in this event, you can choose when you need the cover to "kick-in" ie. after 13 weeks, 26 weeks etc.

Each type of occupation is rated, for instance a benefit of €500 per week would cost more for a roofing contractor than for an office worker. There is a cap on the amount you can receive in relation to your salary, usually you can receive up to 75% of your normal salary, less the amount of state illness benefit. 

To obtain a quotation and discuss your options with our financial advisors, please contact 071 9620193 or email financial@bradyinsurance.ie  

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Insurance House, Main Street, Carrick on Shannon, Co. Leitrim. P: 071 962 0193 F: 071 962 0411
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Joseph G Brady Insurance Ltd, trading as Brady Insurance is regulated by the Central Bank of Ireland