How Income Protection Insurance works - Episode 267 

Good call Mike - thanks for commenting. Obviously I know nothing about non-UK policies, so thanks for broadening the scope! - Pete M

And if you are a Kiwi Living and Working in Australia you will not get Centrelink Benefit so income protection is vital. Watch out for the days to claim, if you have surgery and you can't work and have no sick leave (new job) you have to claim right away, be careful when you select your policy.