Can I get PHI if I do not have a job?

Housepersons benefit is a cover that is available for those people who are not in paid employment but who need an income should they become incapacitated and unable to carry out their daily tasks. It is designed to pay out a regular tax free income to help cover the cost of childcare, invalid care or household help.

The level of benefit available is determined by the chosen insurer, but could be as much as £1,200 per month.

In order to claim the benefit the following criteria must be met:

1. Unable to perform certain tasks of daily living

2. Be confined to a hospital or home

For further information on the differences between a number of different Income Protection polices you need look no further than the trained advisors at E J Folkard Financial Services. We want to help to save you both time and money by searching the Permanent Health Insurance market on your behalf to find you the best policy to suit your individual circumstances. Why not call us now and get a quote, it costs nothing. We offer a truly independent UK whole of market service.

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