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Alan Tyler

Alan Tyler: How to reduce the income protection gap in one easy lesson

by Alan Tyler 22/03/11 Category: Comment

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Alan Tyler ponders an important question: How to reduce the income protection gap in one easy lesson The proposal from the think-tank Demos that Statutory Sick Pay (SSP) be replaced by Income Protection insurance, is one of the most positive ideas about the role of protection insurance for many a long day and offers the opportunity to make a dent in at least one of Swiss Re’s protection gaps. Where an employee is absent from work for a minimum of 4 days, SSP is paid by employers for a period of up to 28 weeks. If the employer’s total SSP…
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Alan Tyler shares his thoughts….ADWs, FATs, ADLs, PCAs, WCAs and all that!

by Alan Tyler 29/08/10 Comment

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Back in the 1990s before the arrival of ‘New Labour’, Income Protection and Critical Illness insurers introduced an alternative to occupation based definitions of incapacity known as Activities of Daily Working (ADWs) or Functional Assessment Tests (FATs). Instead of assessing a claimant’s ability to follow any particular occupation, these sought to provide a more objective assessment based on a range of abilities needed in a working environment (walking, lifting and carrying, vision, manual dexterity etc). They also offered opportunities to deliver Income Protection insurance at a lower cost and to cover some occupational groups previously considered unacceptable. Insurers had already…
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Welfare reform: Should we order the ‘go faster’ stripes now?

by Alan Tyler 25/05/10 Comment

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The new coalition government has reached agreement on a common programme with a speed that has astonished many of our European neighbours. In doing so, the welfare reform agenda is unlikely to have delayed them for too long, as in several important areas, the LibDem election manifesto was strangely lacking in policy. However, there is evidence of compromise and more may emerge when the next level of detail is revealed. In truth, there have not been significant differences between all three major parties in what they wanted to achieve, the issues have been how and how quickly to achieve this.…
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