ATL Protect protects your income when your sick pay runs out.
Find out more.
We'd love to drop in to your workplace to tell you more - and we've got a small gift for every member we meet!*
Book a visit
*Terms and conditions apply
Find out more.
We'd love to drop in to your workplace to tell you more - and we've got a small gift for every member we meet!*Book a visit *Terms and conditions apply
“ATL is all too aware that poor health is one of the primary reasons for loss of income amongst our members.
Now there's a solution - ATL Protect.
ATL Protect is different. It's developed specifically for ATL members and uses our collective strength to help us help each other.”See how it works
What ATL says
A message from ATL
"ATL Protect provides vital financial protection for members who are unfortunate enough to lose their salaries through illness. We urge every member to take just a few minutes to see if it makes sense for them"
Mary Bousted, General Secretary, ATL
How ATL Protect helps
ATL Protect. The core idea is simple:
In return for a modest contribution, ATL Protect will pay you a tax free income if you fall ill and are absent from work for 100 consecutive working days and your income drops or stops altogether.
See just how long term illness could impact on your income.
Check whether ATL Protect makes sense for you.
If ATL Protect is right for you - join now!
See what happens to your income if you suffer long-term illness
Start by using our calculator to find out whether ATL Protect makes sense for you.Get Started
What other teachers say
Research was carried out on behalf of Emeritus Consulting Ltd. by The Nursery Reserach & Planning Ltd. The teachers quoted were paid a gratuity for use of their feedback in the survey.
Three quarters of all ATL members believe the stress of the job is having a negative impact on their health
- ATL Report, March 2012
The average duration of long term sick leave is 7 years
- Centre for Economic and Business Research Report 2012
For the majority of teachers, sick pay halves after 100 working days...and stops altogether after a further 100 working days
- Maintained school sick pay regime
Teaching is an increasingly challenging profession
It's no surprise that teaching is consistently listed amongst the top three most stressful professions1 and that education has a higher than average level of work-related illness2.
The reality is that the last thing you need if you're sick is the worry of a major drop in income. Sadly, typically welfare and other benefits just aren't enough to make up the shortfall when your sick pay runs out.
But now, as an ATL, NUT, or NEU member, you can protect you and your family's financial future...
1 Times Educational Supplement - 25th June 2015.
2 Office of National Statistics - Labour Force Survey 2015
Affinity First Ltd. has been appointed by Irish Life Assurance plc to provide information to ATL members about ATL Protect. Affinity’s directors have decades of experience in providing tailored financial services designed specifically for members of public service unions such as teachers, nurses, civil servants and local government employees.
Established in Ireland in 1939, Irish Life is now part of the Great-West Lifeco group of companies, one of the world’s leading life assurance organisations. Great-West Lifeco and its subsidiaries, including The Great-West Life Assurance Company, have a record for financial strength, earnings stability and consistently high ratings from the independent
rating agencies. The Great-West Life Assurance Company has an AA rating for insurer financial strength from Standard & Poor’s.
Read Irish Life's Solvency and Financial Condition Report
Frequently Asked Questions
- What is ATL Protect?+
ATL Protect provides vital financial protection for ATL and affiliate members (NUT and NEU) who are unfortunate enough to lose some or all of their salaries through ill health and are unable to work or have to work reduced hours as a result of the illness or injury. It’s a group insurance plan developed specifically for members working in the education sector which uses the union's collective strength to help members help each other when they need it most. The core idea is simple: in return for a modest monthly contribution it pays a monthly payment to members whose income has reduced or stopped altogether due to illness or injury, and who are unable to continue working in their normal occupation or have to reduce their normal working hours. Naturally there are some terms and conditions and you can find an overview of these here.
- Why is ATL Protect necessary?+
Like most ATL, NUT, and NEU members, if you are unable to work because of long-term illness or an accident you’re likely to be entitled to some sick-pay from your employer. 100 days of full-pay followed by 100 days of half-pay is fairly standard (but make sure you check to find out exactly what your sick pay entitlements are).
The problem is that if you suffer long term illness, you may find it hard to make ends meet once your sick pay reduces or runs out altogether. Even if you’re able to continue working, you may have to cut back on your hours of work because of your medical condition. Some members are able to survive on income from other sources such as a partner or a second job, or can claim some state benefits or even an incapacity pension. The reality is however that many members are likely to find that, without their salary, they face real financial hardship. Thanks to ATL Protect, members can now enjoy the peace of mind that comes with knowing they’ll have added financial security should they suffer loss of income because of long term illness.
- Is ATL Protect is right for me?+
ATL Protect is designed for members who are concerned that they may not have enough income to maintain their standard of living if ever they should be unable to continue working or have to work at reduced hours and lose some or all of their salary due to long term illness.
You must make up your own mind about whether ATL Protect is right for you. To help you decide whether ATL Protect is right for you, take a moment to look at Affinity’s Benefit Checker. This will give you a rough indication of how your salary could be affected should you suffer long–term illness and it’ll show you what the cost of membership of ATL Protect would be for you. You can then factor in any other income you might be able to rely on if you fall ill and see whether you could make ends meet so you can decide whether ATL Protect makes sense for you.
You can check out the Benefit Checker here or ask us to help you complete a Benefit Check over the phone on 0800 138 1690. You may prefer to do a Benefit Check in your workplace with an Affinity consultant and if so we’ll be only too happy to arrange this for you. To arrange a visit from an Affinity consultant just click here, call 0800 138 1690, or email us at firstname.lastname@example.org.
- Who is eligible to join?+
To be eligible for membership of ATL Protect you must:
- Have a personal bank account in the UK, from which direct debits can be collected because all membership contributions you make to ATL Protect, and any payments you receive from ATL Protect, are in Sterling.
- Be under 59 years of age because benefits from ATL Protect typically end at age 60 and so those who have reached age 59 or older will receive no benefit from ATL Protect if they fall ill.
- Have an email address and regular internet access as, for environmental reasons and in order to keep the membership contribution as affordable as possible for members, we typically communicate with ATL Protect members by email.
- Be an ATL member or an "affiliate" member of ATL (i.e. NUT or NEU member), living and working in the UK on a permanent employment contract in the education sector. This is because ATL Protect has been designed and costed for members living and working in permanent employment in the UK. If you join ATL Protect and subsequently apply for benefits under ATL Protect and it’s found that you fail to meet the eligibility conditions, you may find that you are not entitled to any payments from ATL Protect and your cover may be cancelled with no refund of membership contributions.
- Can I join ATL Protect if I’m not an ATL, NUT, or NEU member?+
No. ATL Protect is designed specifically for ATL and affiliate members and therefore is open only to members of ATL, NUT, and NEU. If you are a member of these unions when you join ATL Protect but then subsequently leave the union, you must also cancel your membership of ATL Protect. If you don’t cancel your membership of ATL Protect you may find that you are not entitled to any benefits from ATL Protect and your cover may be cancelled with no refund of membership contributions.
- Will I have to do a medical to join?+
Those who have had no major medical issues in the past, who are in the younger age categories and who are not earning salaries which are at the higher end of the scale will not usually have to do a medical.
Irish Life may however seek further information about any applicant’s medical history. Typically this will involve a confidential telephone call at an agreed time to the applicant by a trained nurse working on behalf of Irish Life. This health professional will talk through any further details about the applicant’s medical history which Irish Life may need.
Less frequently Irish Life may seek further details from the applicant’s doctor and occasionally may request that the applicant attend for a medical examination.
- What if I have medical problems in the past?+
Irish Life reserves the right to refuse membership of ATL Protect but if you have had medical problems in the past this will not necessarily prevent you from being accepted as a member of ATL Protect. However for those whose medical history is such that they are more at risk of prolonged illness in the future, there is a possibility that Irish Life may refuse membership of ATL Protect. However even in such cases Irish Life may accept an application for membership subject to the exclusion of cover for one or more medical conditions.
- Are all applications accepted?+
No. Irish Life decides on whether or not to accept your application to ATL Protect based on the information you provide when you apply and reserves the right to refuse membership of ATL Protect. Typically this will be in the case of applicants who have had medical problems in the past with the result that they have a significantly greater risk of suffering prolonged illness in the future.
However even in such cases Irish Life may accept an application for membership subject to the exclusion of cover for one or more medical conditions. If this happens, Irish Life will provide you with full details of the medical conditions which are excluded so you can decide whether to join on this basis or cancel your membership application.
In cases where Irish life believes it cannot, because of your health history, accept you as a member of ATL Protect immediately it may agree to reconsider your application at a specified date in the future.
- Are there any medical conditions which are excluded under ATL Protect?+
Yes. The following medical conditions are not covered:
- Those arising from any involvement by you in terrorist activity or armed forces (other than those of the Crown);
- Those which are deliberately self-inflicted;
- Those resulting from your failure to follow medical advice;
- Those which result from you breaking the law.
You should also remember that if you are accepted as a member of ATL Protect subject to the exclusion of one or more medical conditions, then you will not be covered for loss of income due to ill-health arising from these particular medical conditions.
- How can I cancel my membership of ATL Protect?+
You can cancel your membership at any time by calling or emailing Affinity at 0800 138 1690 or email@example.com. If you cancel within 30 days of being accepted as a member of ATL Protect we will refund you in full any membership contributions you have already paid. If you cancel your membership after 30 days no refund of your membership contributions will be paid.
- How do I make a complaint?+
We hope you never have any reason to complain to us, but if you do, we want to hear from you and are committed to doing our best to ensure we make it right.
To make a complaint, please get in touch with us by phone, email, post or in person:
- Phone: 0800 138 1690 (Monday to Friday, 09.00 to 17.00)
- Email: firstname.lastname@example.org
- Post: Affinity First Limited, 6th Floor, Aldgate Tower, 2 Leman Street, London, E18 FA
For more information on how we handle complaints, you can read our complaints charter at affinity.co.uk/complaints.
We love to talk about ATL Protect!
phone: 0800 138 1690