1. On Master Page - Insert Title of Presentation Here Date When times are tight, households aren’t the only ones cutting back. Businesses do too, which can mean no or lower salary increases and cuts to both income protection and sick pay. The question is; can you rely on your employee benefits if illness or injury prevented you from working?

2. On Master Page - Insert Title of Presentation Here Date In the UK 75% of employers do not currently offer any protection benefits to their staff at all. That means no life insurance, income protection or critical illness if ill health takes a turn for the worse On top of this, only 1 in 3 private sector employers offer their own sick pay on top of Statutory Sick Pay. That’s a meager £86.70 per week, or in real terms, less than the average weekly grocery shop for a family of 4 Facing the facts

3. On Master Page - Insert Title of Presentation Here Date It’s time to put your employer under the spotlight; use the ask your employer letter to find out straight away how much support you would receive if ill health strikes. If the results aren’t what you were expecting income protection could be your answer; protecting your income if your health takes a turn for the worst. A wake-up call