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. 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.

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.

• 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.