7 Families campaign. Meet Daniel Pinder. Staying independent despite his Multiple Sclerosis
About 7 Families
7 families is a charity led campaign to provide a tax-free income for one year to seven people who have lost their income due to serious or long-term illness or disability.
The objective of the campaign was to highlight the need for people to plan financially in case they become too ill to earn an income. The charity Disability Rights UK worked with seven families where the main breadwinner had been forced out of work by an accident or illness and had not received any related insurance payout. The campaign was ground-breaking ‘7 Families’ campaign, is backed by some of the biggest companies in the UK.
The families are based in different parts of the country, come from various backgrounds and are experiencing the impacts of a range of different health conditions and injuries.
Meet Daniel Pinder. Staying independent despite his Multiple Sclerosis
Daniel Pinder was born deaf in November 1964. He was also diagnosed with epilepsy at a young age, but neither condition has stopped him from working as a rehabilitation officer.
However, sadly in 2009, he was diagnosed with Multiple Sclerosis. “Many years earlier I had briefly lost sight in my left eye and experienced different short term episodes until I originally thought I suffered a stroke. When the confirmation finally came in July 2009 that it was MS it came as a relief because until then nobody could tell me what was really happening, Daniel said.
“The 7 Families campaign is an excellent way of raising public awareness of the real impact of health conditions. The money we received from the project will be used to improve our standard of living as well as training for future employment that is hopefully suited to my skills and abilities. I may also obtain specialist equipment that will aid me to be more independent whether socially or in employment.”
Income Protection is there to do one thing only – provide a replacement income if you fall ill or suffer an injury
It could provide you with a tax-free income* and continue to pay out until you are able to return to work or until you retire.
*The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.
How does Income Protection Insurance work?
It pays out a monthly benefit if you cannot work due to illness or injury. The benefit can be used to help pay monthly bills, replace income and/or cover mortgage payments. Most Income Protection policies will provide monthly tax-free payments equivalent to between 50% and 65% of gross salary, although some companies will offer up to 70%. This cover does not typically include redundancy cover.
Do I have to pay for advice?
It pays to speak to an expert who can discuss all of the options available to you. We have up to date knowledge of the ever-changing landscape of underwriting for all providers in the UK, and are committed to thorough research so that you don’t have to.
What’s more, our advice comes with no obligation or hidden costs. You don’t pay us directly but we do get paid by the insurer if you decide to start a policy with them.
Is your family protected?
For more information on the Seven Families campaign please click here.
Whilst you are welcome to get a quote online, we would recommend you speak to one of our advisers.
Any quote that your adviser provides you with will take into account your circumstances and medical history, as well as your budget!
An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.
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