How do I choose the right deferred period?

The deferred period should match how long your employer pays sick pay while you’re out of work, as you cannot receive both employer sick pay and income protection simultaneously. The cover only begins when you’re no longer receiving salary from your employer.

If you’re paid sick pay for 3 months, choose the 13-week deferred period. If you’re paid for 4-6 months, choose the 26-week period.