UK reward metrics · Health & Protection

What percentage of UK organisations have income protection salary replacement rate in place?

Source lumi HRBase 90 organisationsFieldwork 2026 H1

100%in place

100% of organisations in the lumi HR community have income protection salary replacement rate in place; a further 0% have it partly in place (base: 90 UK organisations, 2026 H1).

Figures describe organisations in the lumi HR community, not a random sample of UK employers.

How the base splits

In place 100% Partly in place 0% Not in place 0%
Share of the 90 organisations assessed, 2026 H1. Organisations answering not applicable or don’t know are excluded from the base.

What organisations answered

Income protection salary replacement rate: share of organisations by answer
AnswerShare 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).

Cite this figure
Source: lumi HR, UK Reward Metrics, September 2026, lumihr.co.uk/metrics/income-protection-salary-replacement-rate
Last updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.

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