Income Protection for Osteopaths & Hygienists

The size of the UK workforce is approximately 35 million. Of that number, more than 5 million are self-employed. Over 80% of osteopaths were self employed in 2019 [1], together with a significant percentage of dental hygienists. The overall percentage has doubled...

Income Protection Vs Critical Illness – What’s the Difference?

It is sometimes easy to think that an income shock such as a long-term or critical illness will never happen to us. However, thinking about how your bills would be paid if the unthinkable happened to you is essential. Income protection vs critical illness cover, two...

Do I Need Income Protection Insurance?

Self-employment used to be rarity in the traditional world of lifetime employment. However, long before the gig economy was recognised as a phenomenon, the structure and experience of the UK workforce was changing. Certain professions have always been built on the...

The Essentials of Income Protection for Hygienists

The number of self-employed people in the UK is edging towards 1 million. If self-employment were an industry, it would be vast. In comparison, the UK's largest private sector employer, the John Lewis Partnership, has a workforce of under 90,000. The gradual shift to...

Everyone Will Be Self-Employed In The Future

We may be looking at a future where, in order to have a job at all, you have to be self employed. This has vast consequences, for our tax system, our laws and many of our social and commercial structures. Many former employees are now gladly embracing self-employment. It particularly suits those who need more […]

Cancer is top reason for long term sickness

According to Cancer Research UK’s Science Blog, half of us will be told “you have cancer” at some stage in our lives and although cancer is far more likely to affect people aged 70 or older, the disease is now the most common cause for long term sick leave amongst the working population. As revealed […]

Annuity or pension drawdown?

The new pension freedom reforms give anyone who isn’t a member of a Defined Benefit Scheme, more flexibility in spending, saving and investing their pension pots. Previously, you had little choice but to buy an annuity. The problem here, as everyone knows, is that annuity rates are grim and are a relatively inflexible option.  Some […]

Employers to publish what they pay men and woman

New legislation will mean large employers with more than 250 employees will have to publish what they pay men and woman. Fines for non-compliance could be as high as £5000. Then there is the potential reputational damage. But there is hope more forward thinking employers will see equal pay is a lever to recruiting the […]

Pension Fraud Increase

From April 6, the over 55s can withdraw pensions savings and do as they please with the money. But pensions experts are keen to point out the new flexibility brings opportunities too: for fraudsters. The Government acknowledges the risks. It emphasises the importance of taking professional advice. But some think the Government needs to go […]

Employed v Self Employed

Many of our clients are self employed but not all. You may think the grass is greener on the other side. Whether you are currently working for yourself or an employer each has pros and cons. It’s also important to mention they are not mutually exclusive and neither is better than the other. It’s possible […]

Popular Income Protection Insurance Questions

Insurance by its very nature can seem complex. There are also many different types of insurance products including Income Protection.  We make a point of making a wide range of documentation available to help you make an informed decision about your requirements. However, gathered here in one place, are the most common questions we are […]

Households with the Least Disposable Income Suffer

Inflation is often presented as if it affects everybody the same. The UK’s rate is expected to fall to below 1% before it reaches its target rate of 2% over the next few years.  While the headline rate is important a new report by the Office of National Statistics (ONS) confirms what many of us […]