As the UK government continues to move the burden of state benefits back onto individuals, a change to ESA (Sick Pay) came into force April 5th 2017. After the 28 week Statutory Sick Pay period, ESA kicks in. If you are assessed and placed in the work related group, the benefit has gone down by over £29 to just £73.10 a week.
 
With the average UK salary over £25,000, individuals needing to claim are over £400 a week worse off on average. Only 10% of the working population have any form of income protection. You really do need to be concerned about this and establish what (if any) employee benefits you would have and how long you could survive without your main income.

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I thought it would be informative to share with you this guide provided by one of our many lenders, Kensington Mortgage Mortgage Company Limited.