Permanent Health Insurance (PHI)

£1.00

In this leaflet, we explain what PHI is all about and how it should help to replace lost income if you become unable to work. We also address some of the hurdles involved in making a claim if you have ME/CFS.

PHI is also known as Income Protection Insurance or Income Replacement Insurance. This is a type of insurance designed to provide a regular replacement income if someone is unable to work as a result of illness or accident. The level of payment is generally much higher than that provided by the state (e.g. Employment and Support Allowance) and can reach 75% of gross salary. Policies are designed to pay a regular – normally monthly – income if someone has to stop work.

In this leaflet, we explain what PHI is all about and helps address some of the hurdles involved in making a claim. People with ME/CFS experience a variety of problems when it comes to PHI claims. Not surprisingly, we receive anecdotal reports that indicate that some companies are not sympathetic, or are even hostile, to claims relating to this illness.

Telephone Helpline

The ME Association telephone helpline – ME Connect – is available every day of the year, during the hours of 10am-12noon, 2pm-4pm and 7pm-9pm. Please phone: 0344 576 5326 if you have any questions or would simply like to talk to someone who is there to listen.

Please note: Once you have made payment and checked out from the website shop, you will receive a confirmation email containing direct download links to your leaflets. Click the links and you can read your leaflets on-screen and save to your computer, phone, or other device. But you will need access to a printer if you wish them printed.

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