Here's what you need to know

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It pays you a regular income*.

Whether you’re an employee or self-employed, cover continues until your chosen cease age.

Payments are eligible for tax relief, but they’re also taxable.

The maximum benefit is €250,000 a year; or 75% of your yearly earnings.

Excluding any continuing income from work or any other source, pension payments, state benefits; and regular payments from any other income protection plan or similar insurance, whichever is less.

You may get LifeCare at no extra cost.

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The Need-to-Knows

The Income Insurance Brochure (pdf, 365 KB) will give you details of the benefits available on this plan.

*Payments on your plan are eligible for income tax relief at your marginal rate of tax. However, if you do claim on this plan, your incapacity benefit will be treated as normal income and so is assessed for income tax, PRSI and the Universal Social Charge.

Find out more about other services that may be available to you on LifeCare.

KBC Bank Ireland plc is tied to Irish life Assurance plc (Irish Life) for Life Insurance. Life insurance products are underwritten, administered and provided by Irish Life. Irish Life Assurance plc is regulated by the Central Bank of Ireland. KBC Bank Ireland plc is regulated by the Central Bank of Ireland.