Useful Calculators How Much Cover? It can be difficult knowing how much cover you need. This calculator may help you but should be used only as a guide and should not be considered a recommendation by us. Unable to Work - Due to Sickness or InjuryA percentage of your salary is paid if you are unable to work because of illness, injury or disability. Your Annual Salary : £ Annual Overtime Expectancy : £ Annual Bonuses : £ Your Annual Income £ Percentage of income to Cover % Max Years to Cover Unemployment years Possible Income Protection Level : £