Income Protection cover

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.

Our basic Income Protection is called age-based cover and the amount you get depends on your age. Your basic Income Protection will start once you’ve turned 25; and when your super balance reaches $6,000; and you’re receiving employer contributions (age limits and other conditions apply).

You’ll get a benefit payment period of up to two years with a 60 day waiting period.

If you’re over 15, you can apply for fixed or extra (fixed) cover anytime.

Click here to see how much age-based cover you might get and the cost of it.

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

• The amount of age-based cover you get may be different, depending the plan or division you join. See your Product Disclosure Statement for more details.
• The cost is automatically deducted from your super account. How much your Income Protection costs depends on your:
  - amount of cover,
  - age,
  - individual work rating*,
  - benefit payment period and waiting period. 
• 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 and go to My insurance.