The Sick Pay Gap Calculator
Statutory Sick Pay is just £116.75 a week. See what that really means for your monthly income.
Calculate Your Monthly Sick Pay Gap
£
Sick pay gap calculator guide for UK workers
WeCovr's sick pay gap calculator helps UK workers compare Statutory Sick Pay with their normal income, using indicative information prepared by WeCovr, an FCA-authorised insurance broking firm with over 900,000 policies issued across multiple classes of insurance. It shows how much income could be at risk each month.
What this sick pay gap calculator shows
The tool compares your monthly salary with the current Statutory Sick Pay amount to show the potential shortfall. It is a quick way to understand how far SSP can fall short of normal income.
Results are indicative and should be validated against current government rates.
Uses the current SSP weekly rate.
Calculates a monthly gap against your salary.
Highlights the potential income risk.
Why the sick pay gap matters
SSP is often far below essential monthly outgoings. A gap can force households to dip into savings or reduce spending quickly.
Why WeCovr supports income planning
WeCovr is an FCA-authorised insurance broking firm and has high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
Data sources and guidance references
This guide references GOV.UK Statutory Sick Pay rates and general protection planning concepts for context only.
Income levels during illness
| Income type | Monthly level | Coverage | Best for |
|---|---|---|---|
| Normal salary | Higher | Full income | Working months |
| SSP | Lower | Fixed statutory rate | Short-term sickness |
| Income protection | Varies | Policy benefit | Longer-term cover |
Related WeCovr resources
FAQs
What is Statutory Sick Pay in the UK?
SSP is a fixed weekly amount paid by employers for eligible employees who are off sick.
Does SSP cover full income?
No. SSP is significantly lower than most full-time salaries, which is why a gap often exists.
Can income protection cover the gap?
Yes. Income protection can pay a monthly benefit after a deferment period to help cover the shortfall.
Should I check SSP rates each year?
Yes. SSP rates can change annually, so it is wise to update your assumptions.
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