Protecting your income: 31 things doctors need to know

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By Dr Tommy Perkins

From gaps in NHS sick pay to "own occupation" cover, here's a breakdown of the essentials when it comes to safeguarding your financial future.

If you got sick and couldn’t work, how would you pay your bills? 

If you died would your family have enough money to survive? 

Do you know how much NHS sick pay you get – and might you possibly be in the growing group of doctors who get none? 

Knowing where to find the right advice that takes into account the way NHS pay really works is tricky

If you don’t necessarily know the answers off the top of your head, fear not – this list is meant to serve as a starting point to help you feel more protected and confident when it comes to income security and making sense of the enormous amounts of jargon used in insurance policies.

Because we understand. Doctors famously have a lot on our plates and knowing where to find the right advice that takes into account the way NHS pay really works is tricky.