Income protection plans are designed to provide you with replacement regular income if you were unable to work due to illness, injury, disability or accident. If an accident or illness prevented you from working, how long could you cope financially? How would you pay these normal household bills without an income? Many employers don’t provide sick pay and those who do provide it, usually only do so for 6 months. After that you would be reliant on the State Illness Benefit which is just €208 per week (www.welfare.ie ).