Falling sick or being unable to work can be problematic as a contractor, but with Income Protection Insurance, you will have one less thing to worry about.
One of the benefits of being a permanent employee is that there are many protection and insurance policies already in line on your behalf. However, if you are a contractor this is something you will need to secure yourself. A permanent employee will benefit from having at least three months paid leave if they are unable to work, but as a contractor, if you want such security, it is down to you.
But don't dismay, there are a variety of ways in which you can protect yourself in the unfortunate event that you are unable to work. Permanent health insurance or PHI is the ideal way to make sure that you, your family and your financial affairs are kept protected. This allows you to set aside a monthly amount that will cover you in the future if needed.
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