When to use this calculator

Some clients don't always have straightforward sick pay arrangements. They might get paid 100% of their salary for the first six months, followed by 50% for another six months. In such cases, writing two separate Income Protection policies with different cover amounts and waiting periods could be appropriate.

This easy-to-use calculator will help you recommend the maximum amount of LV= Income Protection available, based on your client's current earnings and employer sick pay arrangements*.

* The maximum amount of Income Protection available with LV= is 60% of current earned income

This calculator is for clients who receive full and half pay sick pay arrangements from their employer. Please speak to your account manager if your client receives different employer sick pay arrangements.