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.

Paying your mortgage is a pain at the best of times.

But imagine if you couldn't work long term due to illness.

What happens then?

No doubt, as an independent contractor you’ve experienced it all.

The hopes.
The dreams.

The days where it’s gone spectacularly well and the ones where you consider packing it all in to permanently push pens.

It’s a rollercoaster. But what happens if you get sick? And I’m not talking a dodgy belly or a sore head after a long weekend...

Your No Bullshit Guide to Income Protection

Based on questions I have been asked over the years.

Enjoy!

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.

Construction workers in Ireland face unique challenges, and their income can be vulnerable.

Here's why income protection is essential for you.

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.

Hey, you!

Yes, you, the sales professional dripping in designer clobber with a taste for the finer things in life.

I know you're addicted to the thrill of the sale but have you considered what would happen if you were suddenly struck down by an illness or injury?

No more fancy dinners, no more jet-setting to exotic locations, no more skinny single-origin mocha latte wakka doo-dahs from that overpriced coffee shop on the corner.

Scary thought, yeah?

Well, fear not my friend, because I'm here to tell you about a little thing called income protection.

It's an insurance policy for your wallet, ready to swoop in and provide replacement readies if you're unable to work.

So, go on, uncork that €80 bottle of wine and let's talk about securing your financial future

If you’re considering a career change, congratulations!

Job hopping can be scary, but  incredibly rewarding.

Whether you’re just starting out in your career or are looking for a new challenge, here are some things to consider when changing jobs.

Income protection is vital for financial security in case of illness or injury, even for the young and healthy.

Social welfare benefits may fall short, and work coverage is often insufficient.

Don't gamble with your income—get income protection for peace of mind.