You and Your Health
Even if you are currently fit and healthy, this may change in the future. It’s worth asking yourself what your lifestyle’s like and whether you need to make changes.
It’s never too late to make small changes that can lead to you living a fuller working life. It is also worth making sure that there are plans in place for your family and your business were the worst to happen.
Your Health Key Points
Being self-employed means that, unlike those who are employed, there is no sick pay or cover when you're unable to work. By having a rainy day fund and certain kinds of insurance (e.g. income protection and critical illness cover), you can help protect yourself and your family.
Pensions can often be taken early on the basis of ill health. This can work in different ways for different types of scheme, so it's best to check with your provider what their procedure is and call our helpline if you feel that you would benefit from a conversation with an impartial expert.
It's never too late to start making small improvements to your lifestyle that could help you stay healthier for longer. The apps linked below, and developed by Public Health England, can help in a number of areas such as losing weight, giving up smoking and starting to exercise.
If you are aged 40 - 74 you may benefit from an NHS Health Check with your local GP. It's designed to spot early signs of stroke, kidney disease, heart disease, type 2 diabetes or dementia, and recommends proven strategies to reduce their risk.
If there is anything troubling you at the moment, but it’s hard to find the time to see a GP, the NHS has a 24 hour helpline: 111. They are starting to offer online GP video appointments too.
Should the worst happen pension schemes can provide benefits to any dependants upon your death, and in the unfortunate event of death before the age of 75, a defined contribution pension or annuity will usually pay any benefits free of tax.
Where to go next
The Money Advice Service's page on insurance is a great introduction to the different kinds of protection available.
Find out how to get an NHS health check here, and take an online heart age test here.
Apps and Trackers
Health apps and trackers can be found here, and details of online GP appointments are also available here.
There are many ways to contact us
Either press our Webchat button: 9am - 6.20pm, Monday to Friday
Call on our free helpline: 9am - 5pm, Monday to Friday