If you run a voluntary project, a socially-directed organisation or a small business you may not have sufficient resources to pay a salary to colleagues who have long term illness or serious accident as well as pay for replacement staff.

If you continue paying absent staff and don't replace them, this can place an intolerable burden on those who have to cover for them. This can also cause problems for funded organisations making new applications difficult.

As a caring employer you probably know that State Sickness Benefit or Incapacity Benefit is likely to be an inadequate percentage of their previous salary. Yet you would like to offer the same benefits to your employees or colleagues as larger organisations such as local authorities.

We would all like the state to pay reasonable salary related benefits in the event of long-term incapacity, but unfortunately this is not likely to happen in the foreseeable future.

There is a cost-effective solution to this dilemma : Income Protection for Employees.

A number of companies offer such schemes with many different contracts, but deciding which one meets your needs can be time-consuming and perplexing. As Independent Financial Advisors, we at GÆIA can work together with you to arrange the most appropriate & cost-effective cover for your organisation.

GÆIA has a particular interest in ethical and environmental funds, supporting mutuals and socially-directed investment. We endeavour to use insurance companies and financial institutions who support these developments. We encourage other institutions to incorporate the issues of social and environmental responsibility into their funds and business plans.