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According to the Mental Health Foundation (for LV), mental health problems are the leading cause of sickness absence in the UK, with 70 million workdays lost each year.

Suffering from an accident or illness can lead to long-term sickness and subsequently can cause the individual related mental health issues.

One in four people in the UK will experience a mental health problem at any time in their lives, but particularly to people who face a period of being unable to work.

The insurer LV say that 35% of their new claimants are under age 40[1].

It is important to bear this in mind when considering income protection or life assurance cover.

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