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Old 30.05.2018, 08:17
MDP MDP is offline
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Loss of Income Insurance

Forum appears to be a bit light on this topic.

11 years away from retirement would like some personal protection for myself and family if I ended up ill and unable to work, it appears it is one of the key areas lacking in a lot of peoples protection portfolio.

Anyone have any advice and recommendations on loss of income protection, specifically related to illness (health) and not accident.

I have short term disability indemnity insurance with work, 700 days cover at 80% salary, waiting period 30 days. Would the RAV (unemployment benefit then kick in at 70%/80% or would I be exempt since one of the chomage conditions is being able / willing to work. Therefore I would need Loss of Income Insurance to kick in 700 days after illness start date?

I see that Zurich, Genarali, KPT.ch offer this and premiums depends on the level of income protection you want vs the degree of disability, cover period and when it would start to be paid.
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