Income Protection The NHS provides sick pay according to your length of service: HOSPITAL DOCTORS FULL PAY (mnths) HALF PAY (mnths) < 4 months service 1 0 4 months - 1 year 1 2 1-2 years 2 2 2-3 years 4 4 3-5 years 5 5 > 5 years 6 6 Sickness, accident or disability can deprive any of us of our income for longer or shorter periods. The probabilities of something happening to you are small – until they do occur - then you feel the effects 100% and if you do not have any contingency plans your goals can vaporise. It is salutary to note that the rate of long-term incapacity benefit from the State for a 40 year old, with an adult dependant and two children is £8,024 (HMRC 2007). It is likely that you will find it very difficult to make ends meet at a time when you are most vulnerable. Put simply – no income, no life. Ask us to call you back here to talk about ensuring that you can remain independent and pay the bills come what may.