Im confused too LOL, best to talk direct and they'll be able to alleviate it all. My Income Protection only pays 65% of my full time salary, better than nothing, its for 2yrs, so since 2016 Ive worked 3 days and will til the end of the year and they pay 65% of the 2 days I don't work. Currently though since end of Feb im full time on income protection due to mastectomy/diep flap reconstruction. So am not in a hurry to go back to be honest as its a demanding job physically, mentally. So Im covered til Jan 2018, but thats it then have to work full time after that which is a major worry. x