If you’re lucky to work for a big tech company, you’ll probably have Income Protection (aka Salary Protection aka Income Continuation Insurance) thrown in as part of your benefits.

Yes, imagine having benefits included on top of your base salary.

It’s Mark Zuckerberg’s world, baby, and we’re all just living in it.  

If you’re a mere pleb like myself, you’ll have to stump up for Compare income protection on your ownio because your sick pay is crap or non-existent.

However, income protection cover is well, well worth it.

For one, you don’t have to die for it to come in useful.

Numero dos, it’ll pay your bills and your rent when you can’t.

Agus uimhir a trí, it’ll cover you until you get back to your job or RETIRE. That could be several decades of cover, if necessary.

That said, I’m getting ahead of myself. First things first: income protection is a type of insurance that pays up to 75 per cent of your salary if you’re out of work due to any disability, injury, or illness.

In straightforward terms, if you can’t work FOR ANY REASON (with the exception of redundancy), the insurer will pay you a replacement salary of up to 75 per cent of what you were earning.

Presumably, you can see why that would be useful.

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