2025-03-11ArticlesIncome ProtectionWorkplace Health
How Income Protection Can Be Part of the Work and Health Solution

How Income Protection Can Be Part of the Work and Health Solution

The latest Action for Healthier Working Lives report by the Health Foundation sends a clear message: the UK’s working-age health crisis is growing — and inaction is no longer an option. Over 8.2 million people now live with work-limiting health conditions, and 300,000 leave the workforce each year due to ill health, often with little to no support to return.

Key messages include:

  • “Only 3%” of people return to work after being out of work for 12 months due to health conditions.
  • “£150bn/year” cost to UK employers due to poor workforce health.
  • The need to expand vocational rehabilitation and introduce a vocational rehabilitation benefit.
  • “Only 45%” of workers have access to vocational rehabilitation or occupational health services.
  • Insurers in other countries play a greater role in early return-to-work support.
  • Strong return-on-investment potential: new support models could help 100,000 people stay in work and save £1.1bn in 5 years.
  • The report’s call for early, personalised, and joined-up intervention.
  • The focus must shift from simply diagnosing illness to proactively addressing work and health challenges.
  • Ready to learn more?