search local_phone Home Covid-19 Update Get a Quick Quote menu Frequently Asked Questions Here you can find the answers to some of our most Frequently Asked Questions. We’re here to help. Call Freephone 0800 146 307. help_outline How do I apply for Income Protection Plus cover? help_outline Who can apply for Income Protection Plus? help_outline What is the maximum level of cover I can apply for? help_outline What is the difference between Standard cover and Premium cover? help_outline What does “Deferment Period” mean? help_outline What if my employer pays me sick pay? help_outline Does vaping class as smoking? help_outline Are there any exclusions on the policy? help_outline How can I make a claim? help_outline Is there a waiting period before a claim can be made? help_outline Will my premiums increase each year? help_outline What if I change my occupation? help_outline Do I need to have a medical examination? help_outline How can I pay for my income protection plan? help_outline I haven’t paid my Income Protection Plus premiums – can I still make a claim? help_outline Can I recommend a friend, family or staff member for Income Protection Plus and if so, how do I do it? help_outline What happens if I can’t continue working within my profession, but could carry out another occupation? help_outline How flexible is my cover? help_outline Can I include dividends as part of my gross earnings? help_outline What happens once I have applied? help_outline What happens if I decide to go travelling or move country? help_outline What if I don’t want to continue with income protection insurance? help_outline What is the Enhanced Loyalty Bonus? help_outline What happens when I reach my Policy Retirement Date? We're proud to be working with: Get in touch 0800 146 307 Our offices are open 9am - 5pm Monday to Friday About Us Policy Documents How to Claim Work For Us Corporate Complaints Procedure Equal Opportunities & Diversity Policy Send to a Friend Useful Links FAQs Member Testimonials Legal Site map PG Mutual 11 Parkway, Porters Wood, St Albans, Hertfordshire, AL3 6PA Contact Us PG Mutual is the trading name of Pharmaceutical & General Provident Society Ltd. Registered office: 11 Parkway, Porters Wood, St Albans, Hertfordshire AL3 6PA. Incorporated in the United Kingdom under the Friendly Societies Act 1992, Registered Number 462F. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Firm Reference Number 110023