Funeral cover is built for the worst day. But the hardest days for your team often come first: a diagnosis, a long recovery, a few months on reduced pay.
Simply's Flexi Staff Cover includes critical illness cover and temporary income protection, alongside life, disability and funeral cover. That means your people are looked after while they're living through it and getting better, not only after the worst happens.
What is critical illness cover?
Critical illness cover pays a tax-free lump sum when an employee is diagnosed with a serious condition, like cancer, a heart attack or a stroke.
The money arrives at diagnosis, which is exactly when costs start piling up. It can help with what medical aid doesn't cover: travel to specialists, extra care at home, or simply keeping the household running.
What is temporary income protection?
Temporary income protection replaces part of an employee's salary if illness or injury keeps them off work.
It covers the gap between "I can't work right now" and "I'm back". Rent still gets paid and there's still food on the table. And you don't have to choose between your cash flow and doing right by someone on your team.
The simple way to think about it: critical illness cover helps at diagnosis. Income protection helps during recovery.
Why it matters to you as an employer
When someone on a small team gets sick, everyone feels it. Here's what this cover does for your business:
- People stay where they feel looked after. Real benefits are one of the clearest signals that you've got your team's back.
- You're not left improvising. No awkward loans or out-of-pocket gestures when an employee is going through a tough time.
- Good people come back. Less money stress during recovery makes it easier for them to return to you.
- You compete with the big guys. Small businesses hire against corporates. This kind of cover helps level the field.
"Isn't this only for big companies?"
It used to be. Group cover like this has traditionally sat with large corporates, because old-style schemes come with high costs and heavy admin. Small teams were left with at best, funeral cover, or nothing at all.
A funeral-only scheme helps your team's families after the worst. Flexi Staff Cover also helps your team while they're still here and getting better. And it's built for small and growing businesses, not just head offices with an HR department.
How Flexi Staff Cover works
You can get your team covered in about 10 minutes, online or through your adviser.
- Pick the benefits that fit. Life, disability, funeral, critical illness and temporary income protection.
- No medicals, no paperwork. Your employees don't need blood tests to be covered.
- Works with your payroll. Import staff details from Sage or PaySpace in a few clicks.
Ready to see what it would cost for your team? Get a Staff Cover quote in minutes.
Quick answers
What's the difference between critical illness cover and income protection? Critical illness cover pays a once-off lump sum when an employee is diagnosed with a serious illness. Temporary income protection replaces part of their salary while they can't work because of illness or injury.
Is the critical illness payout taxed? No. Simply's critical illness benefit pays out as a tax-free lump sum.
Does this replace life or disability cover? No. Both benefits sit alongside life, disability and funeral cover in Flexi Staff Cover, so you can build the package that suits your team.
Do my employees need medical tests? No. There are no blood tests or medicals, and no paperwork.
Can a small business afford staff cover like this? Flexi Staff Cover is designed for small and growing businesses, priced per employee per month. The quickest way to know is to get a quote.