Income Protection cover

Feel confident knowing you've insured your income if you become disabled or ill and are temporarily unable to work.

Income Protection when you join

  • What cover you get

    If you’re 25 or older when you join us, most of you will get a basic level of Income Protection cover. The good news is, you won’t have to give us any health information. If you’re under 25, you can apply for cover.

    Our basic cover is based on your age and individual work rating*. You’ll get a benefit payment period of up to two years with a 60 day waiting period.

    Click here to see your cover amount based on your age.

    * If you’re a Public Sector Division member, you work rating is called an Income Protection work rating.

  • Your options

    Income Protection is available for ages 15 to 69. You can apply for or change your cover anytime.

    The maximum amount of cover you can apply for is $30,000 a month or 85% of your salary, whichever is lower. Up to 75% can be paid to you and up to 10% to your super.

    We offer benefit payment periods of up to two years, up to five years and up to age 65. Your benefit payment period is the maximum amount of time benefits may be paid for.

    You have a choice of a 60 or 30 day waiting period. This is how long you’ll need to wait before you’ll start receiving payments. Payments are made one month in arrears.

    For costs and other options like fixed cover see our insurance guide.

  • A few more things...

    • The basic cover you get may be different, depending the plan or division you join. See your Product Disclosure Statement for more details.
    • How much your Income Protection costs depends on your amount of cover, age, individual work rating*, benefit payment period and waiting period. The cost is automatically deducted from your super account. .
    • You can always find more information about what we offer in our insurance guide.
    • As a member, you can view and manage your insurance online. Just log into your account.

    * If you’re a Public Sector Division member, your work rating is called an Income Protection work rating.
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What's my cover?

See how much cover you'll have by selecting your age.

Tell us your age

Age-based cover amounts

Death cover

$0

Total & Permanent Disablement Cover

$0

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$50,000

Total & Permanent Disablement Cover

$25,000

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$51,000

Total & Permanent Disablement Cover

$28,000

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$66,000

Total & Permanent Disablement Cover

$33,000

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$82,000

Total & Permanent Disablement Cover

$38,000

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$100,000

Total & Permanent Disablement Cover

$44,000

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$116,000

Total & Permanent Disablement Cover

$48,000

Income Protection cover
(per month)

$1,900

Age-based cover amounts

Death cover

$132,000

Total & Permanent Disablement Cover

$52,000

Income Protection cover
(per month)

$2,000

Age-based cover amounts

Death cover

$147,000

Total & Permanent Disablement Cover

$56,000

Income Protection cover
(per month)

$2,200

Age-based cover amounts

Death cover

$161,000

Total & Permanent Disablement Cover

$58,000

Income Protection cover
(per month)

$2,300

Age-based cover amounts

Death cover

$175,000

Total & Permanent Disablement Cover

$61,000

Income Protection cover
(per month)

$2,400

Age-based cover amounts

Death cover

$178,000

Total & Permanent Disablement Cover

$61,000

Income Protection cover
(per month)

$2,500

Age-based cover amounts

Death cover

$182,000

Total & Permanent Disablement Cover

$60,000

Income Protection cover
(per month)

$2,600

Age-based cover amounts

Death cover

$183,000

Total & Permanent Disablement Cover

$59,000

Income Protection cover
(per month)

$2,700

Age-based cover amounts

Death cover

$183,000

Total & Permanent Disablement Cover

$57,000

Income Protection cover
(per month)

$2,800

Age-based cover amounts

Death cover

$183,000

Total & Permanent Disablement Cover

$56,000

Income Protection cover
(per month)

$2,900

Age-based cover amounts

Death cover

$180,000

Total & Permanent Disablement Cover

$53,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$178,000

Total & Permanent Disablement Cover

$51,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$174,000

Total & Permanent Disablement Cover

$49,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$171,000

Total & Permanent Disablement Cover

$47,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$166,000

Total & Permanent Disablement Cover

$45,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$160,000

Total & Permanent Disablement Cover

$43,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$154,000

Total & Permanent Disablement Cover

$40,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$146,000

Total & Permanent Disablement Cover

$37,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$140,000

Total & Permanent Disablement Cover

$34,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$131,000

Total & Permanent Disablement Cover

$32,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$124,000

Total & Permanent Disablement Cover

$29,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$115,000

Total & Permanent Disablement Cover

$27,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$107,000

Total & Permanent Disablement Cover

$23,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$98,000

Total & Permanent Disablement Cover

$21,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$90,000

Total & Permanent Disablement Cover

$19,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$80,000

Total & Permanent Disablement Cover

$17,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$72,000

Total & Permanent Disablement Cover

$15,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$63,000

Total & Permanent Disablement Cover

$13,000

Income Protection cover
(per month)

$2,900

Age-based cover amounts

Death cover

$54,000

Total & Permanent Disablement Cover

$11,000

Income Protection cover
(per month)

$2,900

Age-based cover amounts

Death cover

$46,000

Total & Permanent Disablement Cover

$10,000

Income Protection cover
(per month)

$2,900

Age-based cover amounts

Death cover

$37,000

Total & Permanent Disablement Cover

$9,000

Income Protection cover
(per month)

$2,800

Age-based cover amounts

Death cover

$30,000

Total & Permanent Disablement Cover

$7,000

Income Protection cover
(per month)

$2,800

Age-based cover amounts

Death cover

$22,000

Total & Permanent Disablement Cover

$6,000

Income Protection cover
(per month)

$2,800

Age-based cover amounts

Death cover

$15,000

Total & Permanent Disablement Cover

$6,000

Income Protection cover
(per month)

$2,800

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$6,000

Income Protection cover
(per month)

$2,700

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$5,000

Income Protection cover
(per month)

$2,700

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$5,000

Income Protection cover
(per month)

$2,600

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$5,000

Income Protection cover
(per month)

$2,500

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$0*

Income Protection cover
(per month)

$2,400

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$0*

Income Protection cover
(per month)

$2,300

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$0*

Income Protection cover
(per month)

$2,200

How much cover do you need?

Our Insurance calculator works out how much cover you’ll need and what it’ll cost, based on your age as well as other personal and financial details.

Go to insurance calculator
 

How do I cancel my AustralianSuper insurance?

You can cancel your insurance cover through:

  1.  your online account*, or
  2.  complete and submit a Cancel your insurance form  

*This option is not available for Public Sector Division members.

Want to know more?

To learn about Income Protection cover in more detail, download one of the Insurance in your super guides below.

Insurance guide - pdf, 3.2MB

Insurance guide (Public Sector Division) - pdf, 2.8MB

AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450 AFSL 237848.
AustralianSuper insurance for the Public Sector Division is provided by MetLife Insurance Limited ABN 75 004 274 882 AFSL 283 096 (‘MetLife’ or ‘Insurer’).
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