#1 rated employee benefit
96%
181%
85%
What is Group Income Protection (GIP)?
Group Income Protection pays a percentage of an employee’s monthly salary if they are unable to work due to long-term injury or illness. The money is paid to the employer to pass to the employee through payroll. Employers can choose both how long until the first payment is made, and how long the benefit is paid for.
With GIP as a benefit, your people can have peace of mind knowing that they will receive a monthly income to cover their living costs whilst not working.
Why is our GIP proposition game-changing?
Rather than kicking in when an employee becomes unwell, we proactively support employee health and wellbeing from day one, and put prevention at the heart of the experience in a way that's never been done before. To top it off, YuLife has an average engagement rate of 93%¹—a level of participation that’s unmatched in the industry.
Prevention
We believe in wellbeing every day for everyone. Reward your employees for their daily healthy habits and help prevent long-term illness with the YuLife app. Plus, boost engagement with exclusive GIP rewards that focus on the top three claim causes: mental health, MSK issues, and cancer.²
Early intervention
Improve access to much-needed healthcare tools. Give your employees access to support services that make a difference, including a 24/7 confidential helpline, up to 10 structured counselling sessions³ and unlimited virtual GP access.⁴
Recovery
In the event of a referral, get proactive, independent and personalised absence management support through HCB Group⁵ that helps prevent absences from escalating into claims.
How it works
Reduce long-term absence with affordable benefits
Absenteeism is the highest it's been in a decade in the UK.⁶ Help absent employees recover well and return to work quickly with MetLife x YuLife’s Group Income Protection.
Cover up to 80% of your employees’ monthly salary
Choose from flexible policies with a choice of lower-cost payment periods to reflect today’s shorter job tenures and recovery timescales
Bespoke rehabilitation plans available for mental health issues, MSK and long COVID upon referral
24/7 unlimited access to virtual GP including private prescriptions, open referral and fit notes where appropriate
Manager training and support for absence management and people issues
Get early intervention... earlier!
Using game design, the YuLife app motivates employees to build healthy habits that prevent illness. By rewarding activities like walking, brain training, and meditation, it’s no surprise employees love it.
Rated 4.9 on Trustpilot UK
85% see enhanced productivity⁷
Companies see a 181% average increase in ROI on benefits spend with YuLife⁸
Unlock exclusive rewards for your team
With our YuLife app, your employees will lower their long-term health risk and get rewarded for it.
They can turn their wellbeing activities into vouchers with leading retailers like Amazon, Tesco, Sainsbury’s and more
They can even exchange their YuCoin for donations to charities like Big Blue Ocean, Earthly and ShareTheMeal
Exclusive GIP rewards programme on top of the usual rewards — including free subscriptions to Meditopia, Fiit and Sleepcycle, free at-home heart health check, free New Balance trainers and more!⁹
Receive proactive absence management support
Responsive, empathetic return to work support services can prevent an absence becoming a claim.
Immediate, personalised absence management support - with no 4 week wait for referrals
Clinical rehabilitation and recovery services to support return-to-work for unwell employees
Enjoy great service levels with us. With an NPS of 86 pts (2.5x the industry average),⁸ YuLife has a dedicated Client Success team to onboard, embed and deliver maximum value for them
Help HR identify and manage health risks early
With advanced data and insights from the HR Portal, along with additional support and resources from MetLife UK, your HR team will be fully equipped to drive better outcomes.
Rated 4.8 and named “the Best Value Provider” on Capterra by HR teams
A real-time HR dashboard on the YuLife platform and quarterly reporting to track your employee wellbeing
Lower your admin burden with one platform where all your benefits are located easily in one place
YuLife are doing something completely different in the insurance market. Since we’ve introduced YuLife, there’s been an improvement in our Glassdoor score and 20% decrease in absenteeism.
Cerian Morris, Director of HR, XMA
Frequently asked questions
When long-term illness or injury occurs, it can cause difficulties for businesses of any size. Group Income Protection insurance protects your business and employees from the impact of sickness absence, and helps employees to be healthier and happier. In addition to the monthly replacement salary for employees, it provides wellbeing support to prevent an absence becoming long-term, and the rehabilitation support to return employees to work quicker. It takes the financial and mental weight off your employees if they cannot work through long-term illness or injury, helping to attract and retain talent.
Group Income Protection pays out the employee’s monthly salary for an agreed period of time (e.g., 2 to 5 years) or indefinitely until an agreed event (e.g., reaching retirement or age 70).
This is different to Group Critical Illness or Group Life Insurance policies that pay out 4x the salary of the individual or an agreed amount.
Group Income Protection pays employees a monthly salary if they’re unable to work due to illness or injury, and helps support the employee's return to work through rehabilitation and other support services. Group Income Protection covers a wider range of illnesses and conditions than Group Critical Illness.
Group Critical Illness cover pays a lump sum of a larger amount – typically around 4x salary – for a specific severe illness covered by their policy, and prevents a person from coming back to work or continuing their duties.
Group Income Protection from YuLife is provided by MetLife. MetLife’s Group Income Protection is available for teams of 10 or more employees.
The benefit is paid to you, as the employer, to pass to the employee through payroll.
Coverage for pre-existing conditions varies among group income protection policies. Some insurers may exclude certain types of conditions, while others might offer coverage after a specified waiting period. If they are covered, this can affect the cost.
When choosing income protection, consider factors like how insurers define pre-existing conditions, such as whether a medical assessment is required and how long a condition needs to be managed before it might be covered. If you have employees with pre-existing conditions, speaking to an adviser can help you find the best options available for their situation. Always check the policy terms to understand what is and isn’t covered before making a decision.
A deferred period is the length of time you must be unable to work due to illness or injury before your group income protection payments commence. Common deferred periods range from 13 to 52 weeks, and selecting a longer deferred period can often reduce your premium costs.
We are the #1 rated employee benefits platform on 
Bundle insurance to boost rewards
Unlock rewards and ignite more engagement as you equip your teams with more group insurance with YuLife.
Group Health
Insurance
Covers the cost of high-quality healthcare, quickly, if employees were to get ill. Provided by Bupa.
Group Life
Insurance
Financial support for employees’ beneficiaries in the event of their death.
Group Dental
Insurance
Easy-access financial cover for oral treatment – for your people, and their families. Provided by Bupa.
