{"id":208254,"date":"2025-04-27T06:43:21","date_gmt":"2025-04-27T06:43:21","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/sick-leave-sick-pay\/"},"modified":"2025-04-27T06:43:21","modified_gmt":"2025-04-27T06:43:21","slug":"sick-leave-sick-pay","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=208254","title":{"rendered":"Sick Leave &#038; Sick Pay"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"sick leave\" width=\"1024\" height=\"512\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2019\/07\/pablo-58.png 1024w, https:\/\/lion.ie\/wp-content\/uploads\/2019\/07\/pablo-58-300x150.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2019\/07\/pablo-58-768x384.png 768w, https:\/\/lion.ie\/wp-content\/uploads\/2019\/07\/pablo-58-800x400.png 800w\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2019\/07\/pablo-58.png\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" class=\"alignnone wp-image-14478 size-full lazyload\"\/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-14478 size-full\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2019\/07\/pablo-58.png\" alt=\"sick leave\" width=\"1024\" height=\"512\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2019\/07\/pablo-58.png 1024w, https:\/\/lion.ie\/wp-content\/uploads\/2019\/07\/pablo-58-300x150.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2019\/07\/pablo-58-768x384.png 768w, https:\/\/lion.ie\/wp-content\/uploads\/2019\/07\/pablo-58-800x400.png 800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/p>\n<p>Sarah is 33 and works as an accountant in a firm in the city centre.<\/p>\n<p>She\u2019s mostly on time \u2013 though last week she was late because her cat vomited on the floor.<\/p>\n<p>Sarah suspects that Jim, the cat in question, took one look at the hardwood flooring in the hallway and thought,<\/p>\n<blockquote>\n<p>Nah, the carpet is a way better shout.<\/p>\n<\/blockquote>\n<p>Little fecker.<\/p>\n<p>Sarah\u2019s a great employee; she\u2019s even started contributing to her employer\u2019s pension scheme.<\/p>\n<p>But then Sarah gets sick.<\/p>\n<p>She\u2019s out of work for a week because of cramps.<\/p>\n<p>The company she works for are decent and pay her ten sick days a year.<\/p>\n<p>Sarah\u2019s not worried.<\/p>\n<p>But then the cramps don\u2019t go away, and she finds out she\u2019s got stomach cancer, and she\u2019s about to face a long medical battle, and God knows how long out of work.<\/p>\n<p>Those ten paid sick days are all the company offers.<\/p>\n<p>So, what happens next?<\/p>\n<p>And what if something like that were to happen to you?<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_do_Sick_Leave_and_Sick_Pay_Work_in_Ireland\"\/>How do Sick Leave and Sick Pay Work in Ireland?<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>Stories like Sarah\u2019s happen all the time.<\/p>\n<p>Life happens \u2013 and sometimes it happens <em>hard<\/em>.<\/p>\n<p>Most of us don\u2019t consider <a href=\"https:\/\/lion.ie\/income-protection\/\">insuring our salary<\/a> in the event of illness \u2013 it\u2019s not on top of our minds when negotiating a new job or a revised contract.<\/p>\n<p>We\u2019re probably too busy finagling over the dollar bills we\u2019re making.<\/p>\n<p>But sick pay is important \u2013 hopefully, you\u2019ve got a caring employer willing to cough up for more than a few days.<\/p>\n<p>Because here\u2019s the thing: an employee in Ireland (that\u2019s you) is legally entitled to just five days of sick pay per year (<a href=\"https:\/\/www.citizensinformation.ie\/en\/employment\/employment-rights-and-conditions\/leave-and-holidays\/sick-leave-and-sick-pay\/\">and that\u2019s only since Jan 1 2024!<\/a>)<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"\" width=\"696\" height=\"106\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/25041.png 696w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/25041-300x46.png 300w\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/25041.png\" data-sizes=\"(max-width: 696px) 100vw, 696px\" class=\"alignnone size-full wp-image-104406 lazyload\"\/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-104406\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/25041.png\" alt=\"\" width=\"696\" height=\"106\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/25041.png 696w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/25041-300x46.png 300w\" sizes=\"auto, (max-width: 696px) 100vw, 696px\"\/><\/p>\n<p>Your company doesn\u2019t owe you a cent.<\/p>\n<p>It doesn\u2019t matter whether you\u2019re toiling at your desk long past office hours or taking the mick with extremely extended lunch breaks \u2013 we all have the same statutory rights when it comes to sick pay \u2013 <del>three<\/del> five measly days.<\/p>\n<p>Other than those five days, the amount of sick you get is up to your employer, though most businesses settle for the bare minimum \u2013 which, in the grand scheme of an entire working year, isn\u2019t a whole lot.<\/p>\n<p>Especially as you hit 40 and end up with hangovers that last longer than those five days.<\/p>\n<p><em>Remember that one particular session when you were keeled over your desk until the Thursday, considering selling all your worldly possessions and living out of the back of a van while you travel around Europe. Your kids could go live with their gran for a while, surely.\u00a0<\/em><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"hangover man\" width=\"597\" height=\"597\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/hangover-man.png 597w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/hangover-man-300x300.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/hangover-man-150x150.png 150w\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/hangover-man.png\" data-sizes=\"(max-width: 597px) 100vw, 597px\" class=\"alignnone size-full wp-image-103286 lazyload\"\/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-103286\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/hangover-man.png\" alt=\"hangover man\" width=\"597\" height=\"597\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/hangover-man.png 597w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/hangover-man-300x300.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/hangover-man-150x150.png 150w\" sizes=\"auto, (max-width: 597px) 100vw, 597px\"\/><\/p>\n<p>In all seriousness, get familiar with your company\u2019s sick pay policy \u2013 including how many days you\u2019ll get.<\/p>\n<p>Also, find out how soon your employer requires a medical certificate \u2013 it\u2019s usually after two or three consecutive days off and it should say when you\u2019ll be able to return to work.<\/p>\n<p><strong>PRO TIP:<\/strong> If you\u2019re on annual leave and you\u2019re ill and get a cert to prove it, you should get the day back and can take it off later. You\u2019re welcome.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Could_You_Survive_Financially_if_you_Took_More_Than_Five_Days_Off\"\/>Could\u00a0 You Survive Financially if you Took More Than Five Days Off?<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>Deep breaths, sonny, because we\u2019re about to look at the cold, hard facts of being long-term out of work.<\/p>\n<p>It ain\u2019t pretty.<\/p>\n<p>So, depending on your exact circumstances, you\u2019ll be looking at various options \u2013 all of which have terrifying names.<\/p>\n<p><a href=\"https:\/\/www.citizensinformation.ie\/en\/social_welfare\/social_welfare_payments\/disability_and_illness\/\">The options are:<\/a><\/p>\n<ul>\n<li><strong>Illness Benefit<\/strong> \u2013 a short-term (one to two years) payment if you can\u2019t return to work. You should apply within six weeks of getting sick. You don\u2019t get any payment for the first six days of your illness, but you\u2019re covered for one to two years after that.<\/li>\n<li><strong>Invalidity Pension <\/strong>\u2013 this kicks in if you can\u2019t return to work. To qualify, you have to be unable to go back to work either permanently (yes, I know it\u2019s scary, but these are the cold, hard facts I mentioned earlier) or if you\u2019re out sick for 12 months and can prove you\u2019ll be out sick for at least 12 more. <a href=\"https:\/\/lion.ie\/income-protection-insurance\/contractors\/\">Self-employed people get this; they don\u2019t get illness benefit<\/a>.<\/li>\n<li><strong>Partial Capacity Benefit <\/strong>\u2013 this scheme applies if you\u2019ve been on Illness Benefit or Invalidity Pension for six months and want to ease your way back into work.<\/li>\n<li><strong>Disability Allowance <\/strong>\u2013 this is a weekly allowance paid to people who haven\u2019t worked in 12 months due to a disability.<\/li>\n<li><strong>Occupational Injuries Benefit Scheme <\/strong>\u2013 paid if you get an illness or injury at work or travelling for work.<\/li>\n<li><strong>Supplementary Welfare Allowance <\/strong>\u2013 if you\u2019re out sick and have no income, you can apply for this.<\/li>\n<li><strong>Injury benefit<\/strong> \u2013 a weekly payment from the good folks at the Department of Employment Affairs and Social Protection if you can\u2019t work due to an accident at work. (Doesn\u2019t every government department sound like it should be a Harry Potter book? Harry Potter and the Department of Employment Affairs and Social Protection sounds like a riot, doesn\u2019t it?)<\/li>\n<\/ul>\n<p>Your next question, no doubt, is how much those benefits pay.<\/p>\n<p>I\u2019m not going to go through an exhaustive list right now as it\u2019s on a case-by-case basis, but to give you an idea, we\u2019ll look at Illness Benefits, which Sarah will get for a year while she recovers.<\/p>\n<p>Sarah isn\u2019t married and doesn\u2019t have any kids.<\/p>\n<p>It\u2019s just her and her pukey cat.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"\" width=\"730\" height=\"464\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/illben.png 730w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/illben-300x191.png 300w\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/illben.png\" data-sizes=\"(max-width: 730px) 100vw, 730px\" class=\"alignnone size-full wp-image-104407 lazyload\"\/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-104407\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/illben.png\" alt=\"\" width=\"730\" height=\"464\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/illben.png 730w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/illben-300x191.png 300w\" sizes=\"auto, (max-width: 730px) 100vw, 730px\"\/><\/p>\n<p>Sarah would be looking at a personal rate of \u20ac244 a week \u2013 or \u20ac1057 a month.<\/p>\n<p>If Sarah is lucky, the accountancy firm she works for will also cover a certain amount of her wages, but that\u2019s rare.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Could_you_live_on_E1057_a_month\"\/>Could you live on \u20ac1057 a month?<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>I couldn\u2019t.<\/p>\n<p>And that\u2019d just be me \u2013 we\u2019re not even factoring in Hannah and the kids.<\/p>\n<p>Life is expensive.<\/p>\n<p>So is being sick, especially long-term.<\/p>\n<p>Yes, it\u2019s crap, but it\u2019s even worse if you\u2019re unprepared.<\/p>\n<p>When it comes down to it, you have two options to insure yourself should you take a considerable amount of time out of work.<\/p>\n<p>Those two options are <a href=\"https:\/\/lion.ie\/serious-illness-cover\/\">Serious Illness Cover<\/a> and <a href=\"https:\/\/lion.ie\/income-protection\/\">Income Protection.<\/a><\/p>\n<p>Serious Illness Cover has several different names because the insurers thought, \u201cyes, let\u2019s make this even more complicated.\u201d<\/p>\n<p>Like Sarah\u2019s cat, the insurers are annoying shits (but not as cute)<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"cutest cat\" width=\"597\" height=\"597\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_a_domestic_cat_getting_sick_on_a_carpet_491647e9-8aff-46a9-9a49-3cdef7d687ff.png 597w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_a_domestic_cat_getting_sick_on_a_carpet_491647e9-8aff-46a9-9a49-3cdef7d687ff-300x300.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_a_domestic_cat_getting_sick_on_a_carpet_491647e9-8aff-46a9-9a49-3cdef7d687ff-150x150.png 150w\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_a_domestic_cat_getting_sick_on_a_carpet_491647e9-8aff-46a9-9a49-3cdef7d687ff.png\" data-sizes=\"(max-width: 597px) 100vw, 597px\" class=\"alignnone size-full wp-image-103288 lazyload\"\/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-103288\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_a_domestic_cat_getting_sick_on_a_carpet_491647e9-8aff-46a9-9a49-3cdef7d687ff.png\" alt=\"cutest cat\" width=\"597\" height=\"597\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_a_domestic_cat_getting_sick_on_a_carpet_491647e9-8aff-46a9-9a49-3cdef7d687ff.png 597w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_a_domestic_cat_getting_sick_on_a_carpet_491647e9-8aff-46a9-9a49-3cdef7d687ff-300x300.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_a_domestic_cat_getting_sick_on_a_carpet_491647e9-8aff-46a9-9a49-3cdef7d687ff-150x150.png 150w\" sizes=\"auto, (max-width: 597px) 100vw, 597px\"\/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_does_serious_illness_cover_work\"\/><strong>How does serious illness cover work?<\/strong><span class=\"ez-toc-section-end\"\/><\/h2>\n<p>You get a tax-free lump sum if you get a serious or critical illness covered by your policy.<\/p>\n<p>Most Serious Illness Cover payouts are for cancer, heart attack, or stroke but there is a list of illnesses as long as your arm that you are covered for.<\/p>\n<p>I go deep in my <a href=\"https:\/\/lion.ie\/specified-illness-cover\/serious-illness-cover-the-ultimate-guide\/\">ultimate guide to Serious Illness Cover here<\/a>, but in brief, what I\u2019ll say is this: Serious Illness Cover is good if you can\u2019t get income protection.<\/p>\n<p>But it\u2019s not a patch on the legend that is Income Protection.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Income_Protection_How_does_it_Work_and_do_you_need_it\"\/>Income Protection: How does it Work, and do you need it?<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>Income Protection (also known as\u00a0<a href=\"https:\/\/lion.ie\/income-protection\/\">Permanent Health Insurance \/ Salary Protection \/ Income Continuance<\/a>) can pay you up to 75 per cent of your before-tax income (minus the state Illness Benefit) if you cannot work.<\/p>\n<p>If you\u2019re working full-time or are self-employed, this could make a big difference in your life.<\/p>\n<p>Let\u2019s say you earn \u20ac80,000 per annum. You can insure up to 75 per cent of this, less the state Illness Benefit of \u20ac12,688 per year.<\/p>\n<p><em>If you\u2019re self-employed, you\u2019re not entitled to any Illness Benefit, so you can insure 75 per cent of your pre-tax income.<\/em><\/p>\n<p>75% x \u20ac80,000 (minus \u20ac12688 = \u20ac47,312<\/p>\n<p>So you can insure \u20ac48,560 using Income Protection.<\/p>\n<p>If you cannot work, you receive \u20ac47,312 from the insurer and \u20ac12,688 from the state, totalling \u20ac 60,000 in replacement income.<\/p>\n<p>This replacement income lets you concentrate on getting better without constantly worrying about how you\u2019ll keep your head above water.<\/p>\n<p>By the way, some employers offer a group income protection scheme, wherein they will cover you under the terms of their policy.<\/p>\n<p>If your workplace is scabby and doesn\u2019t offer Income Protection, you should buy your own policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What%E2%80%99s_a_Deferred_Period\"\/><strong>What\u2019s a Deferred Period?<\/strong><span class=\"ez-toc-section-end\"\/><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"income protection deferred period (2)\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-1024x1024.png 1024w, https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-300x300.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-150x150.png 150w, https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-768x768.png 768w, https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-800x800.png 800w, https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2.png 1080w\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-1024x1024.png\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" class=\"alignnone size-large wp-image-101702 lazyload\"\/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-101702\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-1024x1024.png\" alt=\"income protection deferred period (2)\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-1024x1024.png 1024w, https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-300x300.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-150x150.png 150w, https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-768x768.png 768w, https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2-800x800.png 800w, https:\/\/lion.ie\/wp-content\/uploads\/2022\/10\/income-protection-deferred-period-2.png 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/p>\n<p>The deferred period (also known as the waiting period) is important: it\u2019s how long you have to be unable to do your job before you can claim on your policy.<\/p>\n<p>You <a href=\"https:\/\/lion.ie\/income-protection-insurance\/deferred-period\/\">can choose a deferred period of 4, 8, 13, 26, or 52 weeks<\/a>.<\/p>\n<p>Your cover will be cheaper if you have a longer deferred period \u2013 but is the few extra quid a month really worth surviving for a whole year on the government\u2019s measly Illness Benefit?<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_Income_Protection_Expensive\"\/>Is Income Protection Expensive?<span class=\"ez-toc-section-end\"\/><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"female pharmacist jane\" width=\"597\" height=\"597\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_26_year_old_female_chemist_working_at_a_drugstore_counte_a1534c6f-862b-4395-b2c1-40b36629dede.png 597w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_26_year_old_female_chemist_working_at_a_drugstore_counte_a1534c6f-862b-4395-b2c1-40b36629dede-300x300.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_26_year_old_female_chemist_working_at_a_drugstore_counte_a1534c6f-862b-4395-b2c1-40b36629dede-150x150.png 150w\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_26_year_old_female_chemist_working_at_a_drugstore_counte_a1534c6f-862b-4395-b2c1-40b36629dede.png\" data-sizes=\"(max-width: 597px) 100vw, 597px\" class=\"alignnone size-full wp-image-103289 lazyload\"\/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-103289\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_26_year_old_female_chemist_working_at_a_drugstore_counte_a1534c6f-862b-4395-b2c1-40b36629dede.png\" alt=\"female pharmacist jane\" width=\"597\" height=\"597\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_26_year_old_female_chemist_working_at_a_drugstore_counte_a1534c6f-862b-4395-b2c1-40b36629dede.png 597w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_26_year_old_female_chemist_working_at_a_drugstore_counte_a1534c6f-862b-4395-b2c1-40b36629dede-300x300.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/sn00ly_26_year_old_female_chemist_working_at_a_drugstore_counte_a1534c6f-862b-4395-b2c1-40b36629dede-150x150.png 150w\" sizes=\"auto, (max-width: 597px) 100vw, 597px\"\/><\/p>\n<p>Let\u2019s look at an example real quick: Jane, a 26-year-old chemist earning \u20ac45,000.<\/p>\n<p>She wants to see how much she might pay with various deferral periods for 75 per cent cover until she\u2019s 55.<\/p>\n<ul>\n<li>A 4-week deferral period will set her back \u20ac36 per month after tax relief<\/li>\n<li>A 13-week deferral period will set her back \u20ac17 per month<\/li>\n<li>If she chooses a 52-week deferred period, she will pay just \u20ac11 per month<\/li>\n<\/ul>\n<p>As you can see, there\u2019s a significant difference between the pricing at four weeks versus 52 \u2013 <a href=\"https:\/\/lion.ie\/income-protection-insurance\/how-income-protection-works\/\">but could you afford to wait that long?<\/a><\/p>\n<p>In this instance, Jane picks the 13-week deferral period because work will pay her for the first three months if she can\u2019t work.<\/p>\n<p>She can easily afford the \u20ac28 payment, especially as it\u2019s actually only costing her \u20ac17 once she claims back 40% tax relief.<\/p>\n<p>If you\u2019re curious about how to claim tax relief on income protection \/ permanent health insurance, I\u2019ve covered that <a href=\"https:\/\/lion.ie\/income-protection-insurance\/tax-relief\/\">here.<\/a><\/p>\n<p>Factors like your age, health, medical history and lifestyle will impact the cost of your cover.<\/p>\n<p>(<a href=\"https:\/\/lion.ie\/mortgage-protection-insurance\/smokers-life-insurance\/\">Smoking is a divil for all types of insurance<\/a>.)<\/p>\n<p>Your occupation may cause increases too \u2013 and I don\u2019t mean if you do something bananas like working as a bullfighter.<\/p>\n<p>Occupations fall into categories from Class 1 to Class 4.<\/p>\n<p>Class 1 is your fairly standard office worker, who\u2019ll be sitting at the desk all day, while Class 4 is more dangerous and includes people doing a lot of physical work, like tradespeople.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"\" width=\"700\" height=\"151\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2025\/04\/25042.png 700w, https:\/\/lion.ie\/wp-content\/uploads\/2025\/04\/25042-300x65.png 300w\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2025\/04\/25042.png\" data-sizes=\"(max-width: 700px) 100vw, 700px\" class=\"alignnone size-full wp-image-104409 lazyload\"\/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-104409\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2025\/04\/25042.png\" alt=\"\" width=\"700\" height=\"151\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2025\/04\/25042.png 700w, https:\/\/lion.ie\/wp-content\/uploads\/2025\/04\/25042-300x65.png 300w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\"\/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Hard_Truth\"\/><span id=\"The_hard_truth\" class=\"ez-toc-section\"\/>The Hard Truth<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>If you\u2019re young, single, footloose, and fancy-free, you could probably survive without Income Protection.<\/p>\n<p>Worst comes to worst; you could move home for a year or two and get by.<\/p>\n<p>It\u2019d be grim, but you could do it.<\/p>\n<p>However, the state\u2019s Illness Benefit won\u2019t cut it if you have kids or a mortgage or loved ones to look after.<\/p>\n<p>You could probably muddle through for a few weeks, but do you want to be stressed about finances while trying to get better?<\/p>\n<p>You\u2019re going to feel awful already, and the financial stuff\u2019s stress definitely won\u2019t help.<\/p>\n<p>If you\u2019re not sure it\u2019s worth it, why not <a href=\"https:\/\/lion.ie\/life-insurance-quote\/\">give our Income Protection quote calculator<\/a>\u00a0a whirl and take it from there?<\/p>\n<p>I\u2019ve described Income Protection as the big daddy of insurance, and I will tell you why right now.<\/p>\n<p>You go to work to make money.<\/p>\n<p>That money funds your lifestyle.<\/p>\n<p>If that money dries up, you\u2019re in big, big trouble.<\/p>\n<p>So what if you could back up that money?<\/p>\n<p>Insure it, if you will.<\/p>\n<p><strong>One more case study for ya!<\/strong><\/p>\n<p>Let\u2019s look at the cat lady Sarah again.<\/p>\n<p>Let\u2019s say she took out a policy a year before she got ill.<\/p>\n<p>She was earning \u20ac60,000 as an accountant and wanted to insure the full 75 per cent of that (less social welfare, she can insure \u20ac32,312), with a deferral period of 13 weeks (how long she\u2019d have to be out before the policy kicks in).<\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"ip quote 2023\" width=\"644\" height=\"663\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2021\/04\/ip-quote-2023.jpg 644w, https:\/\/lion.ie\/wp-content\/uploads\/2021\/04\/ip-quote-2023-291x300.jpg 291w\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2021\/04\/ip-quote-2023.jpg\" data-sizes=\"(max-width: 644px) 100vw, 644px\" class=\"alignnone size-full wp-image-101945 lazyload\"\/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-101945\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2021\/04\/ip-quote-2023.jpg\" alt=\"ip quote 2023\" width=\"644\" height=\"663\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2021\/04\/ip-quote-2023.jpg 644w, https:\/\/lion.ie\/wp-content\/uploads\/2021\/04\/ip-quote-2023-291x300.jpg 291w\" sizes=\"auto, (max-width: 644px) 100vw, 644px\"\/><\/p>\n<p>Tax relief applies to Income Protection, so for \u20ac42.32\u00a0 every month, Sarah would receive 75 per cent of her salary (less social welfare!) until she\u2019s back to work.<\/p>\n<p>And all for less than a tenner per week.<\/p>\n<p>It\u2019s worth considering (<a href=\"https:\/\/lion.ie\/income-protection-insurance\/income-protection-for-accountants\/\">especially if you\u2019re an accountant<\/a>)<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Over_to_you%E2%80%A6\"\/>Over to you\u2026<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>Crappy sick pay?<\/p>\n<p>Reckon you\u2019d struggle to live on Illness Benefits of \u20ac220 a week?<\/p>\n<p>Make the smart decision and protect yourself.<\/p>\n<p>You\u2019ll never be younger; premiums will never be cheaper.<\/p>\n<p>Take the plunge.<\/p>\n<p>There is a chance that<em> future you<\/em> may look back on today as the most important day of your life.<\/p>\n<p>Please call me on (01) 693 3382, and we\u2019ll get it sorted.<\/p>\n<p>Alternatively, you can <a href=\"https:\/\/lion.ie\/income-protection-questionnaire\/\">complete this short questionnaire<\/a> to get the ball rolling.<\/p>\n<p>Thanks for reading<\/p>\n<p>Nick<\/p>\n<p><em>Editor\u2019s note: We first published his blog in 2019 and have regularly updated it.<\/em><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-1024x1024.png 1024w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-300x300.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-150x150.png 150w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-768x768.png 768w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-800x800.png 800w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16.png 1080w\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-1024x1024.png\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" class=\"alignnone size-large wp-image-101947 lazyload\"\/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-101947\" src=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-1024x1024.png\" alt=\"\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-1024x1024.png 1024w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-300x300.png 300w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-150x150.png 150w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-768x768.png 768w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16-800x800.png 800w, https:\/\/lion.ie\/wp-content\/uploads\/2023\/02\/REVIEWS.io-Social-Proof-Image-16.png 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/p>\n<\/p><\/div>\n<p><script>\n!function(f,b,e,v,n,t,s)\n{if(f.fbq)return;n=f.fbq=function(){n.callMethod?\nn.callMethod.apply(n,arguments):n.queue.push(arguments)};\nif(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';\nn.queue=[];t=b.createElement(e);t.async=!0;\nt.src=v;s=b.getElementsByTagName(e)[0];\ns.parentNode.insertBefore(t,s)}(window, document,'script',\n'https:\/\/connect.facebook.net\/en_US\/fbevents.js');\nfbq('init', 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She\u2019s mostly on time \u2013 though last week she was late because her cat vomited on the floor. Sarah suspects that Jim, the cat in question, took one look at the hardwood flooring in the hallway and thought, Nah, the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":208255,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[18247,11007,13226],"dealstore":[],"offerexpiration":[],"class_list":["post-208254","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-leave","tag-pay","tag-sick"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Sick Leave &amp; Sick Pay - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=208254\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sick Leave &amp; Sick Pay - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Sarah is 33 and works as an accountant in a firm in the city centre. 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