Income Protection cover

Most members receive a basic level of Income Protection cover based on their age at the time of joining. As basic Income Protection cover is provided automatically, no health information is needed. It provides a benefit for up to two years.

Income Protection is available from age 15 up until you turn 70. So if it’s not provided automatically you can apply for it.

If you’re unable to work because of illness or injury, your income protection cover may provide you with an amount of cover up to a maximum of 85% of your salary (75% salary, plus 10% super) or up to $30,000 a month (whichever is less). See our insurance guide for details about making a claim.

• Your basic Income Protection cover is provided with a benefit payment period of up to two years but you can apply for a longer benefit payment period of up to age 65.
• Income Protection cover has a waiting period of either 30 or 60 days. This is how long you’ll need to wait for your benefits to start being paid. The default waiting period is 60 days. You can change it to 30 days, but it’ll cost more. Benefits are paid a month in arrears.
• If you’re aged 15–24 or 55–69 when you join, Income Protection cover is not provided automatically. You can still apply for it after joining.
• If you’re under 25 when you join (and haven’t made any changes to your cover), your Income Protection cover may start automatically when you turn 25.
• If you’re 25 or older when you join, you’ll keep the same level of cover unless you change it.
• Your cover may be limited cover. To learn more, read our Insurance in your super guide.