Gout income protection insurance
Gout can be a painful condition and likely will have a big impact on your life. It is a form of arthritis that can cause severe and sudden pain in your joints, as well as swelling.
If you have gout, you should still be able to get income protection insurance from a range of top UK insurance providers. Income protection insurance can be very useful, providing you with extra support if you are unable to work due to illness or injury. These policies can pay out a lump sum equal to up to 70% of your pre-tax monthly income, until you return to working again as normal or your claim period runs out.
Is income protection available with Gout?
YES – income protection is still available for people with Gout. Similar to other types of life insurance application, the insurers will want to ask a few questions about your condition.
One additional point that life insurance companies may ask about when it comes to income protection insurance is whether you have had any time off work due to Gout. This is simply because income protection policies pay out if you get signed off work for a period of time, so insurers will want to know how likely this condition is to cause time off.
Income protection is designed to pay out a monthly benefit whilst you’re off work, which can help cover things like:
- Mortgage or rent payments
- Cost of living
- Household bills
- School fees
- And more…
Usually these monthly payments will kick in if your GP signs you off work long-term (normally for 4 weeks or more).