As a GP locum, do I need long-term sickness insurance cover?

26th February 2024 by Louise Reading, Legal & Medical (legalandmedical.co.uk)

As a GP locum, do I need long-term sickness insurance cover?

You also experience how this can affect your patients’ work and home life. But have you considered what would happen if you were off sick due to an illness or accident?

You are probably aware that when working for the NHS you are entitled to sick pay, but did you know this varies with your occupation?

How NHS sick pay can vary

If you are in hospital service or have started as a salaried GP, the amount of sick pay you will receive depends on how many years of service you have completed.

  • During your first year of service, you will have one month of full pay followed by two months of half-pay.
  • During your second year of service, you will have two months of full pay followed by two months of half-pay.
  • During your third year of service, you will have four months of full pay followed by four months of half-pay.
  • During your fourth and fifth year of service, you will have five months of full pay followed by five months of half pay.
  • After five years of continuous service, you will have six months of full pay followed by six months of half pay, which is the maximum sick pay you can receive from the NHS.

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