Wiltshire Friendly Society

Protecting your income

Coronavirus (Covid-19) Update

The Society team is now working remotely. To help us during this period, please avoid using the post wherever possible. Instead, please use the email addresses stated below and attach photographic or scanned correspondence as necessary.

We will be focussing on essential services to ensure your membership runs as smoothly as possible. Certain services may be restricted or delayed though we will do our best to make things feel as normal as possible.

We have provided guidance on when you can claim for a Coronavirus related illness here - should you need to claim for a Coronavirus (Covid-19) related illness, or any other incapacity, please contact us via claims@wiltshirefriendly.com or 01225 756782.

For all other enquiries or queries please contact us via info@wiltshirefriendly.com or 01225 752120.

Please also note, we will not provide cover for a Coronavirus (Covid-19) related illness for all new membership applications received after 24 March 2020.

We send our best wishes to all of our members.

Last updated 26 March 2020

Individuals +

Individual Income Protection Plans

Income Protection Plans for Sports Players

Sports Players +

Income Protection Plans for Sports Players

Employers +

Group Income Replacement Plans

Sports & Leisure Clubs +

Group Personal Income Protection Plans

Selling or Introducing the Society's Plans

Advisers +

Selling or Introducing the Society's Plans

Your Specialist Income Protection Provider

Accidents happen. People fall ill. It might never happen to you but just in case it does you should consider how you would cope financially. How would you pay your bills if you were unable to work due to an accident or injury? How do you ensure you and your family are financially protected if you find yourself unable to work due to sickness or ill health?

According to the Chartered Insurance Institute, "each year, a million people in the UK suffer a prolonged absence from work due to sickness." CII.co.uk (Building Resilient Households Report) - October 2016

However, "around 10% of workers are covered by income protection policies – two-thirds of which are organised by their employer." CII.co.uk (Building Resilient Households Report) - October 2016

At Wiltshire Friendly we offer Income Protection insurance which pays a regular sum of money if you are unable to work due to illness or injury and lose your income. It doesn’t matter whether you are employed or self-employed, we consider insuring everyone whether as individuals or through their employers.

You need the Society most when you come to claim. That's why it's important we highlight the percentage of claims paid by the Society in the previous calendar year and over the last 3 years.

96.47% of all claims
paid in 2019

96.92% of all claims
paid 2017-2019
inclusive

What is Income Protection Insurance?

It’s an insurance policy that supports you financially if you are unable to work due to an illness or an injury,
which means you are unable to carry out your normal occupation.

It covers an agreed proportion of your income if you are unable to work due to an incapacity.
It can pay out until you return to work, retire or reach the end of the policy term, whichever is sooner.
There is a waiting period before the benefit payments start. You decide what’s right for you considering how long you could cope and when your existing benefits stop. Longer waiting periods help reduce your premium.
It covers the majority of illnesses or injuries that leave you unable to work, in the short or long term, dependent on the type of policy you take out and its definition of incapacity.
You can claim as many times as you need to. There is no limit throughout the duration of the plan.

It is NOT the same as critical illness insurance, which pays out a one-off lump sum if you have a specific serious illness.
It is NOT the same as short-term accident cover which only pays out a limited amount.
It is NOT a life assurance plan, nor does it cover you in the event of pregnancy.
It is NOT a redundancy or unemployment plan.
It is NOT a healthcare plan, covering your medical bills specifically.