Psychological Illness Now the Leading Cause of Income Protection Claims in Ireland

May 7, 2026

Recent reporting by The Irish Times highlights a significant shift in workplace health trends, with psychological illness now the most common cause of income protection claims in Ireland.


Drawing on data from Aviva Life and Pensions Ireland, the figures show a 32% increase in income protection claims year-on-year, with psychological illness now accounting for 26% of all claims. The average claim duration stands at approximately 7.8 years, underlining the long-term nature of these cases.


Importantly, while cancer and cardiac conditions remain the leading causes of life insurance and specified illness claims, psychological illness is now the primary driver of long-term absence from work.


What This Means for Employers


Psychological illness is no longer a secondary or emerging issue. It is now the leading cause of long-term work incapacity from an income protection perspective, with direct implications for absence levels, workforce planning, and operational continuity.


These are not short-term absences. The reported average duration of 7.8 years highlights the scale of impact.

In practice, this means:


  • Prolonged employee absence
  • Increased pressure on remaining teams
  • Complex case management over extended periods


These situations require significantly more time, resource, and judgement than standard sick leave management.


The risk sits inside the organisation


While external factors often play a role, in practice we frequently see a combination of personal and work-related factors contributing to these situations.


Common workplace elements include:

  • Sustained high workloads
  • Poor role clarity
  • Limited management capability in handling sensitive issues
  • Lack of early intervention


More often than not, these cases involve an interplay between workplace and non-workplace factors, rather than a single clear cause.


This creates a real minefield for employers to navigate, particularly where there is uncertainty around:

  • what is driving the absence
  • what the organisation can reasonably address
  • how far responsibility extends


However, the presence of external factors does not remove the need to identify and address any work-related contributors at an early stage. Where this does not happen, issues can become compounded over time, and by the point a formal absence arises, the underlying factors are often already well embedded.


Early clarity on these factors is often the difference between a short-term issue and a long-term absence.


Where Employers Should Focus


The starting point is early intervention. Regular, meaningful check-ins and clear escalation pathways allow issues to be identified before they develop into more complex situations.


Manager capability is equally critical. Line managers are typically the first point of contact, yet are often the least equipped to manage these conversations. Supporting managers to recognise early warning signs and handle sensitive discussions appropriately is a key control measure.


Structured supports also play an important role, particularly in more complex or prolonged cases. This includes:

  • Employee Assistance Programmes (EAPs)
  • Occupational health referrals
  • Phased return-to-work arrangements


Finally, employers should take a step back and assess the overall working environment. Workload distribution, expectations around availability, and boundaries between work and personal time all contribute to whether performance can be sustained in the longer term.


Final Thought


The data highlighted by The Irish Times reflects a broader shift that employers cannot ignore.


Psychological health is no longer solely a wellbeing initiative. It is now a core business risk with direct operational and financial implications.


Employers who respond proactively will be better positioned to:

  • reduce long-term absence
  • retain experienced employees
  • mitigate future risk


Those who do not may see these issues surface later in more complex forms, including grievances, long-term absence cases, and potential legal exposure.


Need Support?


If you are seeing an increase in stress-related absence or are unsure how to manage a current situation, we can help.


At MSS The HR People, we support clients with absence management, complex employee relations issues, and practical, compliant HR advice. Feel free to get in touch by phone on 01 8870 690 or email.


Amy Vickers


By David Casey June 12, 2026
One of the biggest mistakes we see employers make is starting recruitment before defining exactly what they need.  When a vacancy arises, there is often pressure to recruit quickly. However, taking time to plan before advertising a role can significantly improve recruitment outcomes and reduce costly hiring mistakes. Before starting the recruitment process, employers should ask themselves five fundamental questions. 1. Do We Actually Need to Hire This Person? Before recruiting, consider whether a new hire is genuinely required. Is the workload permanent? Could responsibilities be redistributed? Is there another solution available? Recruitment should address a business need, not simply fill a vacant seat. 2. What Exactly Do We Need From This Person? Many employers focus on job titles rather than outcomes. Consider: • What responsibilities will they own? • What skills are essential? • What results should they achieve? A clear understanding of the role makes it easier to identify the right candidate. 3. Will This Candidate Be the Right Cultural Fit? Technical skills are important, but so is cultural fit. A candidate may have the right experience on paper, but will they align with your company values, team dynamics, and ways of working? Long-term success often depends on both capability and compatibility. 4. Are Our Expectations Realistic and Sustainable? Unrealistic expectations can make recruitment unnecessarily difficult. Employers should assess whether the salary, responsibilities, and required experience are aligned with the realities of the market. The ideal candidate rarely ticks every box. 5. Do We Have the Infrastructure to Support and Retain Them? Hiring successfully requires a meaningful investment of time. Before proceeding, evaluate whether you have the necessary time, administrative resources, and budget to effectively interview, onboard, and train a new employee. Recruitment doesn't end when the offer is accepted. Supporting and retaining talent is equally important. Key Takeaway Recruitment done right is rewarding for both employers and employees, laying the foundation for a successful and productive working relationship. However, it requires careful planning, time, and investment to achieve the best outcomes. Taking the time to answer these five questions before recruiting can help streamline your hiring process, protect your budget, and ensure you're attracting the right person for your business. If you're planning a hire and would like support with your recruitment strategy, we're happy to help. info@mssthehrpeople.ie | 01 887 0690
WRC Upholds Constructive Dismissal and Protected Disclosure Complaints
By Amy Vickers June 4, 2026
Health and safety concerns, deteriorating workplace relationships and poor record keeping create significant exposure for employers
WRC Criticises Employer Conduct, Workplace Practices and AI Generated Submission
By Amy Vickers June 4, 2026
WRC decision highlights that seemingly casual comments, compliance failures, and the careless use of AI material can all contribute to legal liability
Is workplace conflict increasing, or are employees less tolerant?
By Amy Vickers June 4, 2026
Are workplaces actually becoming more difficult or are employees simply becoming far less willing to tolerate behaviour that previous generations may have ignored
How Long Is Too Long? The Cost of Delayed Recruitment Decisions
By Amy Vickers June 4, 2026
Many employers would be surprised to learn how often good candidates are lost because a recruitment process takes too long.
By Tara Daly May 19, 2026
Irish employers are increasingly turning to international hiring as a solution to ongoing skills shortages. This trend is particularly evident in sectors where local talent is limited and demand continues to grow. Why employers are looking overseas Common drivers include: • Difficulty filling specialist roles locally • Business expansion and growth • Increased competition for talent International hiring can provide access to a wider talent pool and support long-term workforce planning. The challenge While the opportunity is clear, the employment permit process can be complex. Employers often underestimate: • The level of detail required in applications • The importance of aligning with eligibility criteria • The potential for delays or refusals Where the process is not managed properly, the impact can be significant. Roles remain open for longer, business plans are affected, and onboarding timelines move further out than expected. Getting it right A structured and informed approach is essential. This includes: • Understanding the appropriate permit type • Ensuring the role meets eligibility requirements • Preparing a clear and robust application Where employers take the time to position the role properly and support the application with strong documentation, the process is far more likely to run smoothly. Key takeaway for employers International hiring can be a highly effective solution, but only where the permit process is managed correctly. Approached properly, it enables businesses to secure the talent they need to grow and succeed with greater certainty and less disruption. If you would like advice or support with the employment permit process, our team would be happy to assist. info@mssthehrpeople.ie | 01 887 0690
By Tara Daly May 13, 2026
A common approach we encounter is employers submitting an employment permit application and waiting to see what happens. While understandable, this approach carries significant risk. Why this approach falls short Employment permit applications are not a simple box-ticking exercise. Each application is assessed based on: • Eligibility • Justification • Alignment with current criteria If any of these elements are unclear or insufficient, the application may be delayed or refused. The impact of getting it wrong Where an application is unsuccessful: • Timelines are extended • Recruitment plans are disrupted • Candidates may withdraw In a competitive hiring market, these delays can have a real impact on the business. A role can remain unfilled for longer than expected, existing teams can come under pressure, and a strong candidate may choose another opportunity. A better approach Employers should approach permit applications as a structured process, focusing on: • Clear alignment with eligibility criteria • Strong and accurate role definition • Comprehensive supporting rationale It is far more effective to identify and address risk areas before submission than to deal with the consequences of delay or refusal later. Key takeaway for employers Submitting an application without fully assessing the risks can lead to avoidable delays. A well-prepared application significantly improves the likelihood of a successful outcome and gives the employer greater confidence throughout the process. If you’re planning an overseas hire or facing delays, we’re happy to talk it through. info@mssthehrpeople.ie | 01 887 0690
WRC awards €15,000 after employee kept on “specific purpose” contract for 10 years
By Amy Vickers May 7, 2026
A recent WRC decision is a very important reminder to employers that long running “specific purpose” and fixed term arrangements can create significant risk
Workplace Bullying, Harassment and Sexual Harassment Claims Are Rising
By Amy Vickers May 7, 2026
Increase in complaints relating to bullying, harassment, and sexual harassment and the complexity and escalation of these cases.
Supporting Employees Through Pregnancy Loss
By Amy Vickers May 7, 2026
Pregnancy loss is a deeply personal experience. For employers, these situations can be equally challenging because of the uncertainty around it.