Income Protection Discounts

How would you replace your income if you had to take time off due to illness or injury?

Whether you’re running your own equine practice, working locum or employed in a busy practice, one thing is true: if you can’t work, your income eventually stops. Employer sick pay might last a few weeks – if you have it at all. And asking family to cover your salary? That’s a heavy ask.

When you’re unable to work through illness or injury, the last thing you need is financial stress. That’s where Income Protection Plus comes in.

What is Income Protection?

Income protection Plus can help you stay financially secure, when you’re unable to work due to an injury or illness. It could help keep you going financially over periods spent out of work whether short-term, or long-term, up until you are ready to return to work or reach age 65, whichever comes first.

Why BEVA members choose Income Protection Plus:

• Comprehensive cover. Protect up to 70% of your pre-tax income with a plan that suits your  career, schedule, and budget.

• Long-term security, on your terms. Your plan can pay until you’re 65 or until you’re ready to return to work. It’s not just income protection – it’s peace of mind.

• Flexible start dates, you’re in control. Choose when your cover begins: day one, seven, 14, or after month one, three, six or 12. You decide what works for you.   

• Tailor your protection to fit your needs. Whether you’re a self-employed, run your own practice, or as part of a practice team, you can adapt your plan to your schedule and budget.

• Support when you need it most. We understand the pressures of equine work. Our team is just a phone call away, ready to help when life takes an unexpected turn.

• Wellbeing support for you too. Your membership currently includes free access to a 24/7 virtual GP and confidential counselling – because care starts with you. You can access both anytime via the Health Hero app or online. 

• Help getting back to work, when you're ready. If vocational rehabilitation could support your recovery, we’ll offer it, with your wellbeing and readiness at the heart of the plan.

The Plus in Income Protection Plus

PG Mutual’s Income Protection Plus plan also includes a profit share feature that aims to pay you cash lump sum at the end of your policy, whether you claim or not. Find out more.

About PG Mutual

PG Mutual exists to protect the livelihoods and lifestyles of its members and their families if they are unable to work due to illness or injury.

We’re here when it counts having supported members through short and long recoveries for nearly 100 years - our longest ongoing claim is now in its 30th year.

We’re also a Mutual Society. That’s good news for you. As a mutual organisation, we’re owned by our members, not external shareholders. When you take out Income Protection Plus, you become part of our Society. That means we’re accountable to you - and only you.

Important information

• If you are not incapacitated by sickness or injury, you will not be able to claim.

• If you do not experience a loss of income during a period incapacity, you will not be paid any benefit.

• A final cash payment from the profit share feature of Income Protection Plus is not guaranteed.

• If you cancel your policy within two years, you will not receive any return from the profit share feature.

• You can find more information about Income Protection Plus from our Key Information Document and our Product Guide.

Get a quote today

We think you'll be pleasantly surprised by how affordable our cover is...

BEVA members get a 20% discount on their first two year's premiums. Log in to your BEVA member account to get your quote.

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