Permanent Health Insurance


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 M.E.


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, Dr Charles Shepherd (Hon. Medical Adviser to the ME Association) explains what PHI is all about and helps address some of the hurdles involved in making a claim:

“People with M.E. 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 this leaflet is a download. You can read it on-screen and save to your computer, phone or other device and can attach it to any email you might need to send. But you will need access to a printer if you wish it printed.


0344 576 5326

Available every day of the week between these times: 10am - 12noon, 2pm - 4pm and 7pm - 9pm.

Calls cost the same as other standard landline numbers (starting 01 or 02). If you have a call package for your landline or mobile phone then calls will normally come out of your inclusive minutes.