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’re only entitled to five paid sick days per year in Ireland?

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.

Company directors can protect their income the smart way — company-paid, tax-deductible, and no Benefit-in-Kind.

A full guide to staying covered if illness strikes.

As a doctor, you’re well aware from dealing with your patients that life can take unexpected turns.

The same could happen to you.

One day, you’re in the operating room or consulting with patients, and the next, you could be facing an illness or injury that sidelines you from your profession.

Income protection is designed to be your financial safety net in these scenarios, helping you maintain your lifestyle and cover your expenses whil you focus on getting back to work.

But what exactly does income protection involve, and why is it so crucial for doctors?

Some insurers treat jobs differently — meaning the same role could cost far more with one insurer than another.

Your occupation class (1–4) affects price, benefits, and even whether you’ll be accepted.

This guide explains how income protection works by job, how to avoid overpaying, and why checking all insurers matters.

A step-by-step guide to picking the right income protection policy in Ireland.

Learn the 5 key decisions that matter, avoid common mistakes, and see how to compare insurers like a pro.