Pays out a monthly payment for all the time you are off work, it may even pay out a proportion if you go back to work part-time. It can include redundancy cover and it can be designed around any cover you already have from work to make sure your bills are covered and you can concentrate on getting better and not rushing back to work until you’re ready. It is vital to review this with an independent professional to avoid doubling up your cover and paying for cover that you don't need.