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  That was not specific to those totally incapacitated, Howard, but to the more general point of benefits.
  
  People should, however, be encouraged to make more incapacity provision for themselves while they are fit and healthy though insurance products. The government can help by allowing tax relief on suitable products that meet a minimum standard to encourage take-up. There are certainly a lot of excellent insurance products around that offer payment terms that are actually better than the terms on which long-term incapacity is offered. Maximim benefit levels are determined by income and can be considerably better than State benefit levels. Some companies do not even load premiums based on occupation.

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