100%in place
100% of organisations in the lumi HR community have income protection waiting period 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 |
|---|---|
| <4 weeks | 26.7% |
| 4–13 weeks | 46.7% |
| 14–26 weeks | 24.4% |
| 27 weeks or more | 2.2% |
Definition
The deferred period before income protection payments start after an employee cannot work. See the methodology for how the base is built, how not-applicable answers are handled, the public floor, and which organisations are excluded.
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-waiting-periodLast updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.
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