The front desk and what it asks of you
Receptionists greet visitors, answer phones, book appointments and keep the day running. Settings range from GP surgeries and dental practices to law firms, gyms, salons and hotels. In a busy surgery, you might handle dozens of anxious patients before lunch.
The job is low risk physically, but dealing with the public can be draining, especially when callers are upset or angry. Sitting all day can cause back and neck pain, while hotel and gym receptionists may stand for long shifts. Income protection pays if any illness or injury stops you working.
Statutory sick pay and the gap it leaves
Statutory sick pay is a flat weekly amount paid for a limited number of weeks. For most receptionists it is well below their usual wage, and it does not start on the first day off. Some employers pay more, so check your contract.
If you have only statutory sick pay and little savings, a shorter deferred period, such as four weeks, could suit. If your employer pays full pay for a while, a longer deferred period would cost less and still protect you.
- Check your sick pay in your contract
- Work out your essential monthly bills
- Choose a benefit that covers those bills
Part-time hours and more than one job
Many receptionists work part time or split shifts, and some hold two jobs. Insurers usually base the benefit on what you actually earn across your work, not the hours, though some set a minimum benefit.
If you have two jobs, tell the insurer about both. The way a claim is assessed can depend on whether you can do one or both, so it is worth checking the wording.
Receptionist work in the insurer's eyes
Insurers group occupations by risk. Receptionists usually sit in lower-risk groups, keeping premiums down. Many insurers will offer an own occupation definition, so a claim is judged on whether you can do your receptionist job.
If your role includes other tasks, such as cleaning, lifting stock in a salon or care duties, mention them. An accurate description protects your claim.
Life cover for receptionists and our help
If you have children or share a mortgage or rent, life insurance can repay the home or give your family time to adjust. Many smaller employers do not offer death in service.
We are paid by the insurer, so you pay no fee for our advice on personal protection. We compare the insurers on our panel, find cover that fits your budget and help with the application.