Rehabilitation services aim to aid a client’s recovery when they have suffered a debilitating injury or illness. The types of treatments offered include:
Occupational therapy – Provides an assessment and treatment to develop, recover, or maintain the daily living and work skills of people with a physical, mental, or cognitive disorder.
Physiotherapy – Aims to restore movement and function when someone is affected by injury, illness or disability.
Complementary therapies – Remedies which are used alongside prescribed medical treatments to help people with severe illnesses or injuries feel better and improve quality of life.
Of the insurers that provide rehabilitation services, all give their clients access to these however, there are other aspects that differentiate the propositions available in the market.
One example of this is when a client can access the services. Some providers offer rehabilitation services at any point in the policy’s lifespan, whilst the others restrict access to the point of claim.
Income protection is a plan that helps a client continue to support their family in the event that they are unable to work due to ill health. Providing the support to help that client back into work and therefore be independently able to support their family for many will be as, if not more, important than the financial assistance. Such services as described in this insight are specifically designed for this purpose and it is a great compliment to the industry that such services are now offered as standard across most plans.
Overall, AIG, Aviva, LV= and Royal London are particularly strong in this area. LV= and Royal London both offer rehabilitation services at any point in the term of the contract, whilst AIG, Aviva and LV= all offer a range of ways to access career support services. All four insurers take inflation into account when calculating proportionate benefits.