Our Income Protection policies will take away financial pressures when our members become too ill or injured to work. But we wanted to do more. That’s why we designed our value-added benefit programmes.

 

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What is Mutual Benefits?

Everyday health and wellbeing for your clients and their families at no extra cost

Mutual Benefits is a discretionary programme available to both new and existing members at no extra cost which complements your clients’ Income Protection cover with us. Through Mutual Benefits we provide access to support for your clients and their families every day whether they claim or not.

 

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Symbio, powered by HealthHero, is a smartphone app available at no extra cost to members, offering quick, convenient access to essential healthcare services like 24/7 digital GP consultations, mental health support, digital physiotherapy, specialist consultations, and personalised self-care programs. With helpful features such as a wellbeing assessment and daily mood tracker, Symbio makes it easy for your clients and their family to actively manage health and wellbeing from the convenience of their phone.

Healthcare services available to members, which can also be shared with their partner/spouse and children, include:

• Digital GP Consultations: Unlimited sessions
• Physiotherapy: 6 sessions per year
• Mental Health Support: 6 sessions per year
• Second Medical Opinions: 2 sessions per year
• Health Check: Access an annual Health Check at a discounted rate​

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What is BF Care?

Financial support for your clients and their families through life-changing events

BF Care is our discretionary* benefits package. We include it with our Income Protection policies at no extra cost. BF Care allows your clients and their family to claim additional financial support during life changing events. The amount they'll receive depends on their Income Protection benefit, and the £2,000 cap we apply.

For more information, including full Terms and Conditions around eligibility and claims, take a look at our BF Care Guide, below.

Each BF care benefit offers something different:

• Death, Bereavement, Terminal Illness and Recovery Support Benefit provides a lump sum payment.
• Care Assistance Benefit provides a weekly payment. 

To access BF Care your clients need to be up to date on their monthly premiums and not taking a Premium Holiday.

*We offer discretionary benefits as a way of giving value back to our members. These benefits can be amended and/or withdrawn at any time.

 

Take a look at the extra support we offer, below.

Death Benefit

Death Benefit offers a lump sum of 26 weeks’ worth of your client's Income Protection benefit, up to a maximum of £2,000. When your client takes out a policy with us, they can choose who we pay their Death Benefit to in the event of their death.

Bereavement Benefit

Bereavement Benefit offers a lump sum of 13 weeks’ worth of Income Protection benefit. It can be claimed once per member, as long as your client hasn't already claimed Terminal Illness Benefit. Bereavement Benefit pays up to a maximum of £2,000. Your client can claim Bereavement Benefit if their partner or spouse, or child aged up to 18, dies. 

Care Assistance Benefit

Care Assistance Benefit pays your client a weekly benefit of £125 for up to 13 weeks for their parents or parents-in-law, or up to 16 weeks for their partner, spouse, or child up to aged 18. We’ll pay this benefit if their family member needs full time care for at least 4 weeks.

Care Assistance Benefit is available to those who have taken out their Income Protection policy between 18-54 years old. This benefit ends on the member’s 60th birthday.

Recovery Support Benefit

If your client has claimed on their Income Protection policy following an illness or injury, and received their benefit for more than 6 months, then they may be entitled to Recovery Support Benefit. This benefit pays up to £2,000, to help support your client as they return to work. 

Terminal Illness Benefit

Our Death Benefit and Bereavement Benefit also include a Terminal Illness Benefit option which is available if your client or their partner, spouse, or child aged up to 18, receives a terminal diagnosis (an illness or condition which is expected to lead to death within 12 months). A separate claim for Death Benefit or Bereavement benefit cannot be made if a Terminal Illness Benefit payment has been made. Terminal Illness Benefit pays up to a maximum of £2,000.