Income Protection Plan

Income Protection Plan Review 2023

The latest review of this Plan has taken place and will be in effect from 1st February 2023. The Plan is typically reviewed every three to five years, and here's what the 2023 review means for you:

-   Specified Illness Cover added
-   Enhancements to the Plan  
-   Increase in ceasing age  

                                                                       Please click here for the 2023 review

Protection Plans Presentation January 2023

Change in cost of membership

The great news for members is that despite the vast additions to the Plan, the overall gross cost of membership will reduce from 0.86% to 0.85% of gross salary from 1st February 2023. Please see pages 16 and 17 of the review document above for more details.

Change of insurer

From 1st February 2023, the University of Galway has agreed to appoint Aviva as the new insurer of the Plan, as they provided the most competitive rate and benefits for members.

Aviva’s Data Privacy Notice is available on their website This tells you what Aviva uses your personal information for and explains your rights around how they use it.

We're here to help you

Our Group Protection team is available to answer any queries you may have regarding your Plan. If you would like to speak to a member of our team about your cover, please don't hesitate to call us on (01) 408 6280 or email




How to Make A Claim

Telephone the Cornmarket Claims line at 01 408 4018 to receive a Claim Form and further information on making a claim.

Please remember that it can take a number of weeks to process your claim. As soon as you become aware that, due to illness or injury, your income is likely to reduce to half pay or cease altogether, please let us know. Ideally, we should be informed about 8-9 weeks in advance to enable the Insurance Company to assess your claim and gather the relevant medical and employer information. As we understand that this may not always be possible, the Insurance Company may not be able to pay your benefit at the time that your income reduces or ceases. In such cases your benefit may, depending on the particular circumstances, be backdated to the date when your salary reduced to half pay or stopped altogether, where the claim is subsequently admitted.

2014 Opt In All Staff

After a review of the insurance market by the Plan’s administrators, Cornmarket, we have agreed that Irish Life will provide the best deal and should continue to insure the Plan from 1st April 2014 and all staff “actively at work”* on the 1st of April 2014 were opted into the plan without the need for any medical underwriting.

*Actively at work meant that on 1 April 2014 you:
• Are working your normal contracted number of hours
• Have not received medical advice to refrain from work
• Are not restricted from fully performing the normal duties associated with your occupation.
Those on paid and unpaid maternity leave can be considered actively at work.
Employees on paid leave/holidays are considered to be present at their place of work but must still meet the other requirements for ‘Actively at Work’.
Staff who do not satisfy the above criteria on the appointed date can still apply to join the Plan at a later date on completion of application form which will contain medical questions.

Admin Transfer of ICP to Cornmarket Jan 2013

Income Protection Information Booklet April 2014

Note to Staff not opted in on/after 1st April 2014 due to a Salary less than €15,000

If you have an annual salary of €15,000 or less the benefit payable from the Plan is minimal when you take into account any other income you may be entitled to such as, half pay, Ill Health Early Retirement Pension, Temporary Rehabilitation Remuneration, State illness or Invalidity Benefit. Therefore you were not opted into the Plan and do not pay premiums.  Once your gross annual salary increases above €15,000, you can avail of the Plan without medical underwriting, once you contact the University of Galway Pensions Office ( within 31 days of your salary increase.  You may still apply to join the Plan after this but your application will be subject to medical underwriting.

Income Protection Plan Summary October 2014

 Income Protection Plan Presentation by Dermot Ryan from Cornmarket March 2014

Income Protection Plan Booklet

Income Protection Plan Booklet