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Income Protection Your trade is hard on your body and it is very easy to pick up an injury that will stop you working and therefore stop your income. It is essential to acquire some form of financial protection as soon as you start working. If you do not and you pick up an injury before arranging cover it could limit the extent of cover you might subsequently be able to arrange depending on the nature of the injury and the likelihood of its reoccurrence. There are two types of cover available, Permanent Health Insurance and Personal Accident and Sickness Insurance. The form of cover you need is Permanent Health Insurance because once you have a policy in force and provided you continue paying the premiums it cannot be cancelled by your insurer. Annual contracts like Personal Accident and Sickness Policies can be cancelled or not renewed by the insurer or have cover restricted if you suffer injuries that are likely to reoccur. A Permanent Health Insurance Policy will not usually pay benefits to a farrier/blacksmith for at least the first 13 weeks of disability as a result of accident or sickness Our selected provider will pay benefits after just 4 weeks or even day one. Monthly benefit will then be paid until you return to work or until you reach your chosen retirement age whichever is earlier. Most importantly, reoccurring injuries can also be claimed for as long as you have had no previous medical problems prior to commencing cover. For further details, help or advice please ring or email us, for details click on Contact Us, or complete the enquiry form by clicking on Enquiries and we will contact you
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