When you can't work

because you're

ill or injured. 

What do you do when you’re feeling unwell and need to be in work? Do you call in sick and recover at home, or show up at the office regardless?


According to a new survey, workers in the UK are more likely to show up at work than “pull a sickie”.


The report from the Chartered Institute of Personnel and Development (CIPD) found that the number of companies reporting an increase in employees showing up at work when ill has more than tripled in the past 8 years.


The CIPD surveyed 1,021 firms with 4.6 million workers. They found that 86% observed staff showing up to work when ill during the past year, up from 26% back in 2010.


And according to the research, only a minority of firms are taking steps to challenge unhealthy working practices.


The study’s author, Rachel Suff, said:


“In order to encourage a healthy workplace, organisations need to look beyond sickness absence rates alone and develop a solid, evidence-based understanding of the underlying causes of work-related stress and unhealthy behaviour like presenteeism.


“Without this evidence base, efforts to support employees and improve their health and well-being will be short-lived.”


“If people are coming in to work when really unwell it means that they are not performing and not adding value to their job, while their own condition could worsen or they could pass it to other workers.”


There is of course a big difference between turning up to work with a nasty cold and feeling you need to work when seriously ill, because you can’t afford not to.


According to the Association of British Insurers, one million people a year in the UK find themselves unable to work as a result of a serious illness or injury. When this happens, having the right insurance in place provides a valuable financial safety net.


Income protection insurance is a long-term insurance which is designed to provide financial help if you can’t work because you’re seriously ill or injured. In the event you can’t work due to illness or injury, this insurance provides part of your income until you can start working again, or until you retire.


There’s a waiting period before these benefits are paid, which is known as a deferred period. This deferred period is usually chosen to coincide with when any sick pay from your employer comes to an end, so the income replacement insurance payments can start at this point in time.


Unlike critical illness insurance, which pays out a lump sum if you’re diagnosed with a specified serious illness like cancer or a heart attack, income replacement insurance is designed to provide financial security if you can’t work because of a long-term illness.


If not being able to work for a long period of time due to illness or injury would mean you could no longer pay the bills, income replacement insurance is worth investigating. The cost of this insurance depends on a number of factors, including your age, health and the type of work you do.


Do speak to us to find out more about protecting your personal finances from the impact of illness or injury.

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