100%in place
100% of organisations in the lumi HR community have income protection salary replacement rate in place (base: 90 UK organisations, 2026 H1).
Figures describe organisations in the lumi HR community, not a random sample of UK employers.
How UK organisations answered
| Answer | Share of organisations |
|---|---|
| <50% | 5.6% |
| 50–65% | 36.7% |
| 66–75% | 38.9% |
| 76%+ | 18.9% |
Definition
The proportion of salary income protection replaces while an employee is unable to work. See the methodology for how the base is built, how not-applicable answers are handled, the public floor, and which organisations are excluded.
For context, Drewberry UK Employee Benefits Benchmarking Report 2026 reports -59% (base: UK employer-prevalence).
Read more
- Group risk benefits: UK benchmark 2026: the research paper this question is analysed in, with the full distribution, the legal context and what it means for reward decisions.
- Health & protection: research, guides and metrics: everything lumi publishes in this area.
Cite this figure
Last updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.
Source: lumi HR, UK Reward Metrics, September 2026, lumihr.co.uk/metrics/income-protection-salary-replacement-rateLast updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.
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