In the UK, it is generally not possible to obtain 100% income protection. Income protection insurance typically covers about half to two-thirds of your earnings before tax from your normal job, and this is because some money will be taken off for the state benefits you can claim, and the income you get from the policy is tax-free. The specific amount you can claim and the waiting period before the payments start can vary depending on the policy and the insurer. Therefore, it’s important to carefully review the terms and conditions of any income protection insurance policy to understand the coverage it provides.