PG Mutual - supporting financial resilience for occupational therapists

Proud to partner with RCOT

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PG Mutual is pleased to be working in partnership with the Royal College of Occupational Therapists (RCOT) to help occupational therapists build greater financial resilience.

RCOT is the professional body for the occupational therapy workforce, while PG Mutual is a not-for-profit, member-owned society that has been protecting professionals’ incomes for over 90 years. As organisations that both put people before profit, this partnership brings together shared values around wellbeing, professionalism and long-term security.

Through this partnership, PG Mutual and RCOT aim to support occupational therapists to better understand their holistic financial wellbeing, including how income protection can help safeguard earnings if illness or injury prevents them from working.

The partnership will include educational activity such as a webinar focused on building financial resilience, alongside support for RCOT’s Independent Practice guide in 2026.


Occupational therapists play a vital role in supporting the health, independence and wellbeing of others, often in roles where their own income can be vulnerable if they are unable to work due to illness or injury. Through our partnership with RCOT, we want to help occupational therapists feel more informed and confident about their financial resilience, by providing clear education, practical support and an understanding of how income protection can help provide stability when it’s needed most. 

Andy Elkington, Chief Executive at PG Mutual

Income Protection Plus from PG Mutual 

Have you ever had to step away from work, not just for a day, but for weeks or even months?
Whether you’re a locum, running your own practice, or working in a busy community rehab team, one thing remains true: if you can’t work, your income eventually stops - and savings only stretch so far.

That’s where Income Protection Plus comes in

When you’re unable to work through illness or injury, the last thing you need is financial stress. Income Protection Plus can help you stay financially secure by providing a regular income until you’re ready to return to work or reach age 65, whichever comes first.

It’s an affordable policy you can tailor to suit your needs and budget and as a member of the Royal College of Occupational Therapists, you’re also entitled to a 20% discount on your first two years’ premiums*. Simply use the discount code RCOT when getting your quote. 

Discover how Income Protection Plus supports occupational therapy professionals like you, and why being part of a mutual means you always come first.
 

Get your quote today

It takes less than a minute to get a quote or book a time that suits you to speak with our team - because when life takes an unexpected turn, our protection can make all the difference.

 

Important Information:

  • If you are not incapacitated by sickness or injury, you will not be able to claim.
  • If you do not experience a loss of income during a period you are sick, you will not be paid any benefit.
  • A final cash payment from the profit share feature is not guaranteed.
  • If you cancel your policy within 2 years, you will not receive any return from the profit share feature.
  • For more information about Income Protection Plus, please visit our website.

Terms & Conditions apply