Nearly a third of Britain’s working population believes there is less than a one in 20 chance they will ever be unable to work for three months, according to a new survey commissioned by Unum.
And yet, alongside this growing complacency about the risk of prolonged illness or injury, most people admitted their lifestyle would suffer if the main breadwinner was off work for three months or more.
Carried out by independent researcher BMRB International, the survey revealed that 28 per cent of people would be forced to find a second income and six per cent would have no option but to sell up and move to a smaller house.
When asked what might encourage them to take out income protection cover, over half the people surveyed said either employer or government contributions towards the cost. Twenty per cent said their main incentive would be a clearer understanding of state benefits, while 15 per cent claimed they would act on the recommendation of an IFA.