More than half of employees are concerned about how they would manage financially if they became too ill to work, a survey by Royal London shows.
A poll of 1,030 people found that 52% would worry about their income if they were off sick from work for longer than a month.
Employees are entitled to £92.05 a week in statutory sick pay for up to 28 weeks, but 42% don't think this would be enough to live on if they were ill for more than a year.
Figures from the Office for National Statistics show that the average UK worker could lose £431.95 a week in income if they had to rely on statutory sick pay.
Insurance products, such as income protection and critical illness cover, can offer a financial safety net by replacing this lost income in the event of illness or injury.
Jennifer Gilchrist, protection specialist at Royal London, said:
"Falling ill unexpectedly could happen to anyone.
"It's important to think about how you would manage financially and make plans, so you do not have the added financial worry if you were to fall ill."
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