Could you survive on savings or sick pay from work? Have you ever wondered if you should plan for a time when you or your partner were unable to work for a while? No one likes to think that something bad will happen to them but, if you couldn’t work due to a serious illness, how would you manage financially? You may need some other way to keep paying the bills and you might want to consider income protection insurance. However, 10.8 million UK households are at risk of their income falling by at least a third if the main earner stopped working due to ill-health.