As an engineer in Ireland, your income is an essential part of your financial stability.

But what happens if you become unable to work due to an illness or injury?

That's where income protection insurance comes in.

Our latest blog covers everything you need to know about choosing the right policy, applying for coverage, and answering common questions about income protection insurance for engineers in Ireland.

Don't let unexpected setbacks derail your finances - read on to learn more.

It’s highly likely that when you were a smallie, your ma or your da told you that to be successful in life, you need to do well in school, get a good job, and work hard.

It’s not bad life advice, though it’s probably a little different now given that every eight-year-old wants to be a YouTuber.

Instead of working hard, all you gotta do to be a millionaire is make videos of you playing video games while screaming at your computer.

Keep it up, son, and someday you might be PewDiePie.

But then Sarah gets sick.

She’s out of work for a week because of cramps. The company she works for are decent and pay her for up to 10 sick days a year. Sarah’s not worried.

But then the cramps don’t go away and she finds out she’s got cancer and she’s about to face a long medical battle, and god knows how long out of work.

Those 10 paid sick days are all the company cover.

So, what happens next? And what if something like that were to happen to you?

As a solicitor, your income is your livelihood.

But what happens if you cannot work due to illness or injury?

Income protection can provide the financial security you need to get through tough times and ensure that you and your family are taken care of.

This article will explore the importance of income protection for solicitors and how to get the best policy.

Oh our brilliant nurses, without you wonderful bunch I don’t know where half of us would be.

Dead probably.

Since you are the backbone of the medical world it’s surprising how tight our government is when it comes to paying you what you’re worth - but we won’t delve into that too deeply right now because if I start I don’t reckon I’ll be able to stop myself.

I can’t pay you more or swindle you a rock-star salary deal but what I can do is make sure you get paid if you get sick.

Your No Bullshit Guide to Income Protection

Based on questions I have been asked over the years.

Enjoy!

Sick days are inevitable, the flu, a pulled muscle, a heavy night - don’t look at me like that!

But did you know that legally, you are entitled to exactly ZERO sick days?

Shocking isn’t it?

And if you work as a chemist or can call yourself a pharmacist, you're in the same boat as everyone else.

Any employer worth their salt knows that without their employees, they have nothing.

So, a smart employer will always put Executive Income Protection in place to keep their staff safe and happy.

And if you are a Director of your own Limited Company, you'll want to ensure you're ok if the worst happens.

Now, I know some employers pride themselves on being the tightest in their industry, so we're talking to those who value their employees and want to look after them.

Because let's be honest, by looking after your employees, you're looking after your business too.

It's a magical trade-off that keeps everyone happy.

If you ever had to take extended sick leave but had the smarts to sort out income protection policy before the shit hit the fan, you probably felt an abundance of relief.

But what would have happened if your employer had given you the boot during your sick leave?

Is that a thing?

Can you even be fired if you are on extended sick leave?

Unfortunately, the answer is trickier than a quick yes or no.

Aside from the odd ‘best teacher’ mug and ‘we'll miss you’ card you might get your hands on as the summer holidays creep in, teaching is a pretty thankless job.

But know this, I see you.

Not only do you educate my semi-feral children (more homework please, especially for the 11-year-old) but you also help them to navigate the difficulties of social interactions.

For those of you who work with our teens, well, good lord I don’t know how you do it.

The mood swings, and the Kevin and Perry style ‘why’s' have me pulling my hair out.

So, battling the constant nonsensical moaning from a class of 30+ Kevins must be soul-sucking at times.

And stressful.

But what if it becomes so stressful that you need an extended break on medical grounds?