If you work, your employer may have a scheme that provides cover if you’re ill for a long period of time. However, this might only provide you with money for a limited time, may not cover your full wage and the amount you receive usually decreases the longer you’re off work.

Some companies also provide cover if you die whilst you’re employed by them (known as death in service benefits). What companies do and don’t provide is up to the individual employer so you’ll need to check with your line manager or HR representative for details of what’s available to you. Don’t just assume that because you have this cover at work that it will be enough cover for you.