Irish Medical Organisation

GMS Pension Protection

What does the scheme do?

This is a bespoke insurance product designed to protect the GMS pension for GPs. In the event of you suffering long-term illness or disablement, the scheme protects your GMS pension expectation at retirement (see note below).

Who can join?

Any GP who is in receipt of GMS income and is under age 60.

Deferred period

The minimum deferred period is 52 weeks.

Benefit & Cost

The cost is 3%* of the total monthly GMS superannuation contribution. The benefit pays out a sum equivalent to the total pension contribution at the time of being disabled or suffering a long-term illness (see note below) (*includes 1% of Government Levy).


• Waiver of Premium can protect your future pension expectations should you become unable to work.

• Benefits are paid into the GMS superannuation fund to preserve the retirement benefits if

you are unable to work due to illness or injury.

• Benefit is paid after 52 continuous weeks of disability.

• Deferred period is one month for those over age 64.

Tax relief

You may be eligible for tax relief on the premiums paid at your highest rate of tax.


Please note: All applications are subject to underwriting and all claims are subject to the insurer’s assessment. Terms and Conditions as set out in the policy document apply. Contact one of our dedicated financial advisers for more information.

IMO Membership

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If you were previously a member of the IMO you can rejoin here.

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Have a question? Please get in touch with us and we will be happy to answer.


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