Be supportive.
Group Income Protection that supports from day one.
Be effective.
Be your best.
Group Income Protection (GIP) from AIG. It’s designed to suit businesses of any size, so you can help more clients to help their employees if they need to take time off. Not only does it provide income to employees when they’re too ill to work – it also encourages employees to stay well with a range of practical, preventative apps, tools and tips. After all, happy and healthy people are more productive.
AIG offers a range of options that can be tailored to suit your clients’ businesses, not to mention competitive pricing. Combined with our value added services, our GIP helps clients and their employees be ready for anything life throws at them because it focuses on more than simply paying out money – it also helps people focus on their health earlier.
This product is essential to have in your portfolio – after all, we offer a broad range of options available in the market. And this guide will take you through just how our Group Income Protection, along with our prevention and rehabilitation services, help employees with their physical, mental and financial wellbeing.
Be proactive with our Group Income Protection.
Be positive and empower people to be their best.
Be informed about how we can help.
Group Income Protection from AIG Life
Financial protection
Rehabilitation
Introduction
Prevention
SmartHealth
Proclaim Care
AIG
Our Group Income Protection
Our Group Income Protection is combined with value added services that protect employees from the get-go. It's made up of three important stages.
*These services are non-contractual, which means they don’t form part of your insurance contract. If AIG’s partnership with Teladoc Health ends, the service can be withdrawn at any time without notice.
LifeWorks
Our online hub that provides employees 24/7 access to a suite of six wellbeing services.
Our Employee Assistance Programme that supports employees with work, health and life challenges.
Our vocational rehabilitation programme that helps employees transition back to work.
Our Group Income Protection provides an income for employees should they become unwell and unable to work.
For healthier people, there’s Smart Health
An innovative hub that offers practical, preventative measures to help your clients’ employees be well and stay well for longer.
Work commitments can prevent people prioritising their health, and that’s where Smart Health can help.
All services are available , and at .
Accessed via the app, web or on the phone, this service focuses on proactive ways employees can look after their health, so they can be their best selves.
is the ultimate proactive, preventative step employees can take to help them take control of their health.
Discover Smart Health >
24/7
365 days a year
no additional cost
Available anywhere in the world, employees can speak to a doctor by video call or on the phone in 30-minute blocks and receive medical advice, prescriptions and referrals if needed.
24/7 virtual GP
Access to mental health professionals who help employees and their families cope with stress, anxiety, trauma, depression or a recent bereavement.
Mental health support
Expert help for those looking for a second medical opinion or those struggling to get a diagnosis. This service offers access to a global network of over 50,000 medical specialists.
Second medical opinion service
Tailored 4 or 8-week programmes designed by sports coaches and nutrition experts, which help support health and fitness goals through a combination of diet and exercise.
Fitness programme
An online questionnaire that gives employees an instant, personalised health check. The report then provides tips around improving medical conditions, nutrition and how to form healthy habits for the future.
Health check
A consultation team of experienced and highly qualified nutritionists who will help employees create meal plans, personalised for weight loss, pregnancy, food intolerances and any other special dietary needs.
Nutrition consultation
For productive people, look to LifeWorks
Carefully curated content, which helps employees stay focused and your clients stay at the top of their game.
makes a difference
every day
LifeWorks is an
Users can create their own personalised profiles and discover a world of readily available content as well as perks and savings. Your clients can also create their own company network to share news and updates, helping employees stay happy and engaged.
award-winning
Employee Assistance Programme.
A market-leading platform
83%
client employees use it weekly, on average
26m+
people supported
Flexible options
Upgrade option
Core Wellbeing, free for all employees in the organisation (whether insured or not).
Available at an additional cost of £48 per employee, per year.
24/7 access
Counselling and coaching services available inperson, or by video, chat, direct message or telephone
Work-life support in areas like legal, financial, childcare, eldercare, special needs, or education
Critical incident support
8,000+ clinically verified and trusted articles, toolkits, podcasts and more
Benefits and savings for day-to-day as well as key life events.
Support in areas like anxiety, depression, relationships and workplace challenges
>
Employee Physical Assistance Programme (EPAP)
Enhanced wellbeing feed
Enhanced perks and savings
Enhanced community.
Source: LifeWorks 2021
Accessed through a mobile and web-friendly app, it offers best-inclass practical and emotional support for employees.
, providing proactive content that helps people lead happier, healthier lives
For recovering people, our rehabilitation programme is there
Vocational rehabilitation that helps people get back to their best.
Vocational Rehabilitation
For clients
Our rehabilitation programme, provided by our partners Proclaim Care, helps employees to return to work . Experienced, medically qualified Rehabilitation Specialists work directly with the employee, to create a tailored back-to-work plan that includes support, guidance and funded treatments if needed.
as soon as the time is right
When it comes to your clients, it’s important they understand the Proclaim Care service:
Comes as part of AIG’s Group Income Protection, with no extra cost
Works with employees to help them recover so they can get back to work
Can help identify barriers that may prevent employees returning to work
Will keep your clients fully informed along the way.
For employees
Vocational rehabilitation is for employees who have taken time off due to illness. This service:
Is completely impartial and clinically led
Aims to help employees return to health and come back to the workplace when the time is right
Assigns employees with a Rehabilitation Specialist who helps them form a plan
Offers support from qualified medical professionals including nurses, physiotherapists and occupational therapists, and funded treatments where necessary
Provides both clients and their employees with realistic return-to-work plans that work for everyone.
The Proclaim Care service is not AIG Life branded, however care is taken to explain roles and responsibilities to the employee and to manage the handover of the relationship when vocational rehabilitation is no longer appropriate or needed.
The initial part of the process should take place within 10 working days, so the plan can be put into action as soon as possible.
until the employee is ready to return to work
We’ll talk to Proclaim Care and agree the action plan
They’ll then provide a report, containing recommendations
Proclaim Care contact the employee and the employer, explain the process and ask a few more questions
If we’re able to help, we refer the case to
We ask about the employee and the nature of their condition
Your client calls AIG within the five weeks of the employee’s absence
Referral and rehabilitation process
How Proclaim Care works
Find out more about vocational rehabilitation
Care continues
Proclaim Care: helping a mum
Background
This Proclaim Care case study tells the story of a through vocational rehabilitation.
successful return to work
Sarah* is a married mum of two little ones, who she adores. Together with her husband, they work hard to
Read more case studies >
be her
best
Treatment and support
Immediately, Sarah began chemotherapy, which caused fatigue and nausea. Following that, she began rounds of radiotherapy, lasting three weeks.
give them the best life
support her through this time
in regular contact with both
Sarah and her employer
suggested she contact local support
services
making things easier
Outcome
Sarah gradually recovered and went into remission.
It was while she was at the end of her treatment that Sarah’s Rehabilitation Specialist identified the possibility that she could retur to work earlier. It was welcome news as Sarah was eager to get back to simply living.
Together with her employer, they created a phased return to work plan. She did in fact return to work two months after treatment, starting by working from home, which helped manage her fatigue. Then, with the support of her GP, she began working four hours on alternate days, gradually moving to full-time work after six weeks.
When she did go back to the office, her commute was changed so she could avoid rush hour and feel more comfortable. Any time that was missed, she could make up at home after her commute, which worked for everyone.
*Proclaim Care and AIG Life real-life customer case study. The image shown is for illustration purposes and names have been changed for confidentiality.
and beat cancer
they can. Sadly, Sarah was diagnosed with breast cancer, which had an enormous effect on the family. Especially as it caused high levels of stress and anxiety at almost every turn. Waiting for results was particularly nerve-wracking.
, her Rehabilitation Specialist kept
(at times that suited her).
They also
like Macmillan to see if they could help her too. And her Rehabilitation Specialist discovered certain medication could be delivered straight to Sarah’s door,
for the family.
For protected people, explore our Group Income Protection offer
Financial protection that covers companies of any size.
Group Income Protection
protect the employee
With a wide range of options, our product in the market is for . Whether they already have a scheme in place, or if they’re setting up Group Income Protection for the first time, these options make it easy to find a price point that works for every employer.
What can your clients expect?
Premium rates guaranteed for two years
8, 13, 26, 28, 41, or 52-week deferred periods
The choice of payments until the cover cease age, or limited payment periods of 2, 3, 4 or 5 years
Premiums calculated accurately with no averaging
What can employees expect?
Up to 80% of their salary covered (depending on individual factors)
Payments made for a limited period, or until cover cease age
The option of a lump sum payment (if chosen by your client)
Automatic acceptance limits, so medical underwriting is not usually required
Cover up to age 70.
If an employee is unwell and has to take an extended period of time off work, Group Income Protection is there to by providing an income while they are unable to work.
businesses of every size
Flexible benefit schemes available
Variable pension scheme contributions and NICs can be covered.
Claims MI is provided annually for all employers with over 200 employees.
Employers with over 200 employees will have a dedicated Claims Specialist they can talk to directly
Our Claims Specialists will monitor the progress of vocational rehabilitation
Decisions are made within 10 working days of receiving all necessary information
If needed, a referral for vocational rehabilitation is made
The employer calls our Claims Specialist to trigger the process within five weeks of the employee’s absence
Employer makes the claim in respect of their employees
Once the claim is agreed, the benefit will be paid to the employer who puts it through payroll, where all normal deductions are applied e.g. taxes
Our quick and simple claims process
We collect medical evidence to support the claim
Smart Health, LifeWorks and Proclaim Care are non-contractual services. AIG Life is entitled to withdraw these services at any time.
AIG Life Limited. Telephone 0345 600 6820. If calling from outside the UK, please call +44 1737 441 820. Registered in England and Wales. Number 6367921. Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. AIG Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The registration number is 473752.
EDCO 3307-0222
Find out more about how we’re helping everyone be their best at
aiglife.co.uk/GIP