Income Protection · Scenario Simulator
What if you couldn't work for a year?
← Back to hubModel your income week-by-week if you went on long-term sick leave. Compares your salary, employer sick pay, State Illness Benefit and an indicative -matched IP policy.
52 weeks
52-week summary
Total received
€40,561
Without IP
€16,327
Income protected by your policy
€24,234
Over 52 weeks vs. relying on State Illness Benefit alone.
Replacement of normal earnings68%
Monthly income — 13 months
Salary / sick payState Illness BenefitIP policy payoutNormal monthly earnings
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M13
State Illness Benefit shown at the 2026 headline weekly rate of €244 for up to 104 weeks; actual entitlement depends on PRSI record. IP benefit is illustrative — Revenue caps annual benefit at 75% of earnings, less State Illness Benefit. Final premium subject to medical underwriting.