There are many types available but all policies of this type only payout for a limited period of time, typically one or two years or until you return to work.  The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation.As a result, the cost you will pay is based on your own circumstances. There are other providers of Short-term Income Protection and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk