Press release
L&G announces 2024 Group Protection claims, prevention and rehabilitation outcomes
L&G paid out almost £1 million per day in Group Protection claims on average in 2024.
19 Jun 2025
Full press release
- Prevention: Over 188,000 interactions with health and wellbeing services during 2024 - a 20% increase on 2023 (150,000).
- Early Intervention & Rehabilitation: Vocational Rehabilitation assessments increased, from 4,192 in 2023 to 4,226 in 2024, supporting nearly 8 in 10 employees covered by L&G’s group income protection to successfully enable them to return to work.
- Claims: L&G paid £347m in Group Protection claims during 2024, an average of almost £1m paid every day.
L&G today shares data that illustrates the importance of prevention, early intervention and vocational rehabilitation support for employers and employees. The data reveals a 20% increase in interactions with L&G’s prevention-focused health and wellbeing support services, providing valuable assistance across all their group protection products, from 150,000 in 2023, to 188,000 in 20241.
As part of its Group Income Protection Be Well. Get Better. Be Supported. outcomes-focused framework, the provider reveals it supported more than 7 in 10 (74%) employees to successfully be able to return to work within the deferred period, the time between the employee first being absent and when the claim would be paid, and almost 8 in 10 (78%) within the first year of absence.
Plus, the number of assessments supporting employees covered by their group income protection, provided by its in-house team of multidisciplinary, Vocational Clinical Specialists increased from 4,129 in 2023, to 4,226 in 2024. This team provides treatment and support - including referrals to specialist, multidisciplinary partners where required and suitable - to help individuals stay in, and return to, good work that is beneficial for their health.
Meanwhile, L&G paid a total of £347m for claims across Group Life Assurance, Group Income Protection and Group Critical Illness Cover. This represents an average of almost £1m paid out every day in 2024
Group Income Protection
L&G paid 3,542 Group Income Protection claims in 2024, with nearly £87m in benefits paid out. The average payout per claim in 2024 was £24,544.
More than 4,226 employees benefitted from L&G’s vocational rehabilitation services. Additionally, almost 600 vocational rehabilitation assessments / treatments were provided by L&G’s specialist multidisciplinary partners, spanning Psychiatry, Physiotherapy, Pain & Fatigue, Cancer and Neurological.
Cancer represented the top reason for claim, with 306 claimants and an average payout of £29,731. L&G enabled 31% of individuals absent due to cancer to successfully return to work within the deferred period. And 36% within the first year of absence.
Mental health represented the next highest reason for claim, with 175 claimants and an average payout of £22,575. Here, L&G supported 89% of individuals to successfully be able to return to work within the deferred period. And 91% within the first year of absence.
Group Critical Illness Cover
On Group Critical Illness Cover, £28m was paid out to 326 individuals, with an average payout of £85,745. Within this figure, £358,750 was paid for claims for children, who are covered as standard, when their parent is also covered by L&G as an employee.
Group Life Assurance
Almost 1,300 claims were paid out on L&G’s Group Life Assurance policies, with payments totalling £232m. The average payout was £180,835.
Vanessa Sallows, Group Protection Claims & Governance Director – Retail, L&G: “Our Group Income Protection prevention, early intervention and vocational rehabilitation support services, underpinned by our Biopsychosocial approach, are delivering outstanding outcomes to people and business. Demonstrating value is essential to growing our market.“We expect our value proposition for Group Income Protection to grow even further. This is because we’ve started working direct to client, post-sale and with the intermediary’s permission. The goal is to help employers ensure prevention services are understood and used; suspected long-term absentees are being referred early for support; HR and Line Managers know that bespoke help is at hand for them too, from our Vocational Clinical Specialists; outcomes are monitored, measured, managed and linked back to business goals, wherever possible.
“The claim will always represent the foundation of our business, affording essential peace of mind. And we’re proud to report today’s claims outcomes. But, when it comes to Group Income Protection, the proposition has evolved in line with employer, employee and societal needs. It’s about early intervention, pro-active claims management, care pathways, vocational rehabilitation and a return to work, where possible. It’s up to us – as an entire industry – to embrace and demonstrate this.”
References:
1Based on data taken from interactions with L&G digital wellbeing service partners, including EAP (in-the-moment and structured counselling, plus wellbeing platform), Virtual GP, Physiotherapy, Chronic Condition Management, Second Medical Opinion Referrals, Medical Concierge and Nurse Service, plus Care Concierge. Date range is taken from 01/01/24 – 31/12/24. An interaction is defined as any engagement or touch point with these services.
Further information
