Our Income Protection policies will take away financial pressures when our members become too ill or injured to work. But we wanted to do more. That’s why we designed our value-added benefit programmes.

 

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What is Mutual Benefits?

Everyday health, wellbeing and rewards for you and your family at no extra cost

Mutual Benefits is a discretionary programme available to our members at no extra cost. Through Mutual Benefits we provide access to support and rewards for you and your family every day whether you claim or not.

 

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The Clinic in a Pocket app, powered by Square Health, is one of our Mutual Benefits available to our members at no extra cost. Clinic in a Pocket gives you and your family fast access to GPs, clinicians, physiotherapists, counsellors, specialist consultants and an annual health check. Healthcare services include:

• Digital GP Consultations: Unlimited sessions
• Physiotherapy: 6 sessions per policy year
• Mental Health Support: 6 sessions per policy year
• Second Medical Opinions: 2 sessions per policy year
• Health Check: 1 per policy year (only available to member)​

Every month we’ll randomly draw 5 lucky winners for our Cash in your Pocket prize draw. Each winner will win £100. As long as they are up-to date on their premium payments, they’re in the draw. And there’s no limit to the number of times they can win.

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What is BF Care?

Financial support for you and your family through life-changing events

BF Care is our discretionary* benefits package. We include it with our Income Protection policies at no extra cost. BF Care allows you and your family to claim additional financial support during life changing events. The amount you’ll receive depends on your Income Protection benefit, and the £2,000 cap we apply.

For more information, including full Terms and Conditions around eligibility and claims, take a look at our BF Care Guide, below.

Each BF care benefit offers something different:

• Death, Bereavement, Terminal Illness and Recovery Support Benefit provides a lump sum payment.
• Care Assistance Benefit provides a weekly payment. 

If you’re an insured member, who hasn’t commuted their membership, you can access our BF Care benefits. You just need to be up to date on your monthly premiums and not taking a Premium Holiday. (This means you’re not taking a temporary break from paying your premiums).

*We offer discretionary benefits as a way of giving value back to our members. These benefits can be amended and/or withdrawn at any time.

 

Take a look at the extra support we offer, below.

Death Benefit

Death Benefit offers a lump sum of 26 weeks’ worth of your Income Protection benefit, up to a maximum of £2,000. When you take out a policy with us, you can choose who we pay your Death Benefit to in the event of your death. Losing a member of the family is always hard. Death Benefit can help take some of the financial stress away from your loved ones.

Bereavement Benefit

Bereavement Benefit offers a lump sum of 13 weeks’ worth of Income Protection benefit. It can be claimed once per member, as long as you haven’t already claimed Terminal Illness Benefit. Bereavement Benefit pays up to a maximum of £2,000. You can claim Bereavement Benefit if your partner or spouse, or child aged up to 18, dies. This benefit gives you some financial breathing space, following the death of a close family member.

Care Assistance Benefit

Care Assistance Benefit pays you a weekly benefit of £125 for up to 13 weeks for your parents or parents-in-law, or up to 16 weeks for your partner, spouse, or child up to aged 18. We’ll pay this benefit if your family member needs full time care for at least 4 weeks.

Care Assistance Benefit is available to those who have taken out their Income Protection policy between 18-54 years old. This benefit ends on the member’s 60th birthday.

Recovery Support Benefit

If you’ve claimed on your Income Protection policy following an illness or injury, and received your benefit for more than 6 months, then you may be entitled to Recovery Support Benefit. This benefit pays up to £2,000, to help support you as you return to work. This allows you to focus on getting back to business following an extended time off recovering.

Terminal Illness Benefit

Our Death Benefit and Bereavement Benefit also include a Terminal Illness Benefit option which is available if the member or their partner, spouse, or child aged up to 18, receives a terminal diagnosis (an illness or condition which is expected to lead to death within 12 months). A separate claim for Death Benefit or Bereavement benefit cannot be made if a Terminal Illness Benefit payment has been made. Terminal Illness Benefit pays up to a maximum of £2,000.