Income Protection

If you get sick or hurt, at or outside of work, Income Protection can provide you with monthly payments if you can’t work.

This page outlines the key features of Income Protection cover for AustralianSuper plan members. To find our what plan you’re on, log into your account online and visit Insurance > Manage insurance. If you aren’t a member of AustralianSuper plan, please refer to the relevant Product Disclosure Statement for more information.

What is Income Protection?

If you become ill or injured (at work or outside of work) and can’t work, Income Protection can help you cover your day-to-day expenses such as regular bills and groceries, helping provide peace of mind during tough times. It helps ensure you have money to assist you getting by while you recover.

How Income Protection works

  • Income Protection is designed to replace part of your income if you become ill or injured and can’t work.
  • Your monthly cover amount is the maximum amount you could be paid if your claim is accepted.
  • Your waiting period is the minimum amount of time you’ll need to wait before Income Protection payments can start.
  • Your benefit payment period is the maximum amount of time you’ll receive Income Protection payments for.
  • Income Protection doesn’t cover you for redundancy.

How much cover do you need?

When thinking about how much cover you need (if any), consider:

  • your age
  • if you have a partner
  • if you have children/dependents
  • your goals and future living expenses
  • any debts you may have.

Use the insurance calculator to estimate how much Income Protection you might need.

Calculate your cover and the cost

What age-based cover will I get and how much will it cost?

Select your age to see how much cover you can get and the cost of it.
  • Assumptions

    Age-based cover amounts and costs are for members in our AustralianSuper plan, with a Blue Collar individual work rating, and Income Protection with a 60-day waiting period and a benefit payment period up to two years. You should check the Product Disclosure Statement for important information about insurance.

    If you’re an AustralianSuper Select member, details about your cover and costs are in the AustralianSuper Select booklet for your employer. Find your booklet here.

Tell us your age

Age: 15

Death cover

Amount: $20,000

Weekly cost: $0.14

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.10

Income Protection

Amount (a month): $1,000

Weekly cost: $0.11

Total weekly cost of cover: $0.35
Costs are deducted monthly from your super account.

Age: 16

Death cover

Amount: $20,000

Weekly cost: $0.14

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.10

Income Protection

Amount (a month): $1,000

Weekly cost: $0.11

Total weekly cost of cover: $0.35
Costs are deducted monthly from your super account.

Age: 17

Death cover

Amount: $20,000

Weekly cost: $0.14

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.10

Income Protection

Amount (a month): $1,000

Weekly cost: $0.11

Total weekly cost of cover: $0.35
Costs are deducted monthly from your super account.

Age: 18

Death cover

Amount: $50,000

Weekly cost: $0.35

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.19

Income Protection

Amount (a month): $1,500

Weekly cost: $0.17

Total weekly cost of cover: $0.71
Costs are deducted monthly from your super account.

Age: 19

Death cover

Amount: $50,000

Weekly cost: $0.36

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.19

Income Protection

Amount (a month): $1,500

Weekly cost: $0.17

Total weekly cost of cover: $0.72
Costs are deducted monthly from your super account.

Age: 20

Death cover

Amount: $50,000

Weekly cost: $0.36

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.19

Income Protection

Amount (a month): $1,500

Weekly cost: $0.17

Total weekly cost of cover: $0.72
Costs are deducted monthly from your super account.

Age: 21

Death cover

Amount: $50,000

Weekly cost: $0.36

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.20

Income Protection

Amount (a month): $1,500

Weekly cost: $0.20

Total weekly cost of cover: $0.76
Costs are deducted monthly from your super account.

Age: 22

Death cover

Amount: $100,000

Weekly cost: $0.72

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.39

Income Protection

Amount (a month): $1,900

Weekly cost: $0.29

Total weekly cost of cover: $1.40
Costs are deducted monthly from your super account.

Age: 23

Death cover

Amount: $100,000

Weekly cost: $0.73

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.39

Income Protection

Amount (a month): $1,900

Weekly cost: $0.32

Total weekly cost of cover: $1.44
Costs are deducted monthly from your super account.

Age: 24

Death cover

Amount: $100,000

Weekly cost: $0.74

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.39

Income Protection

Amount (a month): $1,900

Weekly cost: $0.38

Total weekly cost of cover: $1.51
Costs are deducted monthly from your super account.

Age: 25

Death cover

Amount: $116,000

Weekly cost: $0.88

Total & Permanent Disablement cover

Amount: $48,000

Weekly cost: $0.42

Income Protection

Amount (a month): $1,900

Weekly cost: $0.40

Total weekly cost of cover: $1.70
Costs are deducted monthly from your super account.

Age: 26

Death cover

Amount: $132,000

Weekly cost: $1.03

Total & Permanent Disablement cover

Amount: $52,000

Weekly cost: $0.49

Income Protection

Amount (a month): $2,000

Weekly cost: $0.48

Total weekly cost of cover: $2.00
Costs are deducted monthly from your super account.

Age: 27

Death cover

Amount: $147,000

Weekly cost: $1.19

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $0.55

Income Protection

Amount (a month): $2,200

Weekly cost: $0.57

Total weekly cost of cover: $2.31
Costs are deducted monthly from your super account.

Age: 28

Death cover

Amount: $161,000

Weekly cost: $1.35

Total & Permanent Disablement cover

Amount: $58,000

Weekly cost: $0.60

Income Protection

Amount (a month): $2,300

Weekly cost: $0.67

Total weekly cost of cover: $2.62
Costs are deducted monthly from your super account.

Age: 29

Death cover

Amount: $175,000

Weekly cost: $1.51

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.71

Income Protection

Amount (a month): $2,400

Weekly cost: $0.74

Total weekly cost of cover: $2.96
Costs are deducted monthly from your super account.

Age: 30

Death cover

Amount: $178,000

Weekly cost: $1.57

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.77

Income Protection

Amount (a month): $2,500

Weekly cost: $0.90

Total weekly cost of cover: $3.24
Costs are deducted monthly from your super account.

Age: 31

Death cover

Amount: $182,000

Weekly cost: $1.67

Total & Permanent Disablement cover

Amount: $60,000

Weekly cost: $0.83

Income Protection

Amount (a month): $2,600

Weekly cost: $1.01

Total weekly cost of cover: $3.51
Costs are deducted monthly from your super account.

Age: 32

Death cover

Amount: $183,000

Weekly cost: $1.79

Total & Permanent Disablement cover

Amount: $59,000

Weekly cost: $0.91

Income Protection

Amount (a month): $2,700

Weekly cost: $1.16

Total weekly cost of cover: $3.86
Costs are deducted monthly from your super account.

Age: 33

Death cover

Amount: $183,000

Weekly cost: $1.87

Total & Permanent Disablement cover

Amount: $57,000

Weekly cost: $0.97

Income Protection

Amount (a month): $2,800

Weekly cost: $1.34

Total weekly cost of cover: $4.18
Costs are deducted monthly from your super account.

Age: 34

Death cover

Amount: $183,000

Weekly cost: $1.94

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $1.04

Income Protection

Amount (a month): $2,900

Weekly cost: $1.51

Total weekly cost of cover: $4.49
Costs are deducted monthly from your super account.

Age: 35

Death cover

Amount: $180,000

Weekly cost: $2.02

Total & Permanent Disablement cover

Amount: $53,000

Weekly cost: $1.09

Income Protection

Amount (a month): $3,000

Weekly cost: $1.68

Total weekly cost of cover: $4.79
Costs are deducted monthly from your super account.

Age: 36

Death cover

Amount: $178,000

Weekly cost: $2.10

Total & Permanent Disablement cover

Amount: $51,000

Weekly cost: $1.17

Income Protection

Amount (a month): $3,000

Weekly cost: $1.80

Total weekly cost of cover: $5.07
Costs are deducted monthly from your super account.

Age: 37

Death cover

Amount: $174,000

Weekly cost: $2.16

Total & Permanent Disablement cover

Amount: $49,000

Weekly cost: $1.23

Income Protection

Amount (a month): $3,000

Weekly cost: $1.95

Total weekly cost of cover: $5.34
Costs are deducted monthly from your super account.

Age: 38

Death cover

Amount: $171,000

Weekly cost: $2.27

Total & Permanent Disablement cover

Amount: $47,000

Weekly cost: $1.28

Income Protection

Amount (a month): $3,100

Weekly cost: $2.17

Total weekly cost of cover: $5.72
Costs are deducted monthly from your super account.

Age: 39

Death cover

Amount: $166,000

Weekly cost: $2.31

Total & Permanent Disablement cover

Amount: $45,000

Weekly cost: $1.35

Income Protection

Amount (a month): $3,100

Weekly cost: $2.29

Total weekly cost of cover: $5.95
Costs are deducted monthly from your super account.

Age: 40

Death cover

Amount: $160,000

Weekly cost: $2.40

Total & Permanent Disablement cover

Amount: $43,000

Weekly cost: $1.40

Income Protection

Amount (a month): $3,100

Weekly cost: $2.48

Total weekly cost of cover: $6.28
Costs are deducted monthly from your super account.

Age: 41

Death cover

Amount: $154,000

Weekly cost: $2.48

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $1.42

Income Protection

Amount (a month): $3,100

Weekly cost: $2.64

Total weekly cost of cover: $6.54
Costs are deducted monthly from your super account.

Age: 42

Death cover

Amount: $146,000

Weekly cost: $2.51

Total & Permanent Disablement cover

Amount: $37,000

Weekly cost: $1.44

Income Protection

Amount (a month): $3,100

Weekly cost: $2.85

Total weekly cost of cover: $6.80
Costs are deducted monthly from your super account.

Age: 43

Death cover

Amount: $140,000

Weekly cost: $2.58

Total & Permanent Disablement cover

Amount: $34,000

Weekly cost: $1.45

Income Protection

Amount (a month): $3,100

Weekly cost: $3.04

Total weekly cost of cover: $7.07
Costs are deducted monthly from your super account.

Age: 44

Death cover

Amount: $131,000

Weekly cost: $2.62

Total & Permanent Disablement cover

Amount: $32,000

Weekly cost: $1.48

Income Protection

Amount (a month): $3,100

Weekly cost: $3.62

Total weekly cost of cover: $7.36
Costs are deducted monthly from your super account.

Age: 45

Death cover

Amount: $124,000

Weekly cost: $2.67

Total & Permanent Disablement cover

Amount: $29,000

Weekly cost: $1.46

Income Protection

Amount (a month): $3,100

Weekly cost: $3.50

Total weekly cost of cover: $7.63
Costs are deducted monthly from your super account.

Age: 46

Death cover

Amount: $115,000

Weekly cost: $2.69

Total & Permanent Disablement cover

Amount: $27,000

Weekly cost: $1.48

Income Protection

Amount (a month): $3,100

Weekly cost: $3.78

Total weekly cost of cover: $7.95
Costs are deducted monthly from your super account.

Age: 47

Death cover

Amount: $107,000

Weekly cost: $2.72

Total & Permanent Disablement cover

Amount: $23,000

Weekly cost: $1.37

Income Protection

Amount (a month): $3,000

Weekly cost: $3.90

Total weekly cost of cover: $7.99
Costs are deducted monthly from your super account.

Age: 48

Death cover

Amount: $98,000

Weekly cost: $2.70

Total & Permanent Disablement cover

Amount: $21,000

Weekly cost: $1.35

Income Protection

Amount (a month): $3,000

Weekly cost: $4.14

Total weekly cost of cover: $8.19
Costs are deducted monthly from your super account.

Age: 49

Death cover

Amount: $90,000

Weekly cost: $2.72

Total & Permanent Disablement cover

Amount: $19,000

Weekly cost: $1.33

Income Protection

Amount (a month): $3,000

Weekly cost: $4.44

Total weekly cost of cover: $8.49
Costs are deducted monthly from your super account.

Age: 50

Death cover

Amount: $80,000

Weekly cost: $2.65

Total & Permanent Disablement cover

Amount: $17,000

Weekly cost: $1.30

Income Protection

Amount (a month): $3,000

Weekly cost: $4.77

Total weekly cost of cover: $8.72
Costs are deducted monthly from your super account.

Age: 51

Death cover

Amount: $72,000

Weekly cost: $2.62

Total & Permanent Disablement cover

Amount: $15,000

Weekly cost: $1.26

Income Protection

Amount (a month): $3,000

Weekly cost: $5.10

Total weekly cost of cover: $8.98
Costs are deducted monthly from your super account.

Age: 52

Death cover

Amount: $63,000

Weekly cost: $2.52

Total & Permanent Disablement cover

Amount: $13,000

Weekly cost: $1.20

Income Protection

Amount (a month): $2,900

Weekly cost: $5.25

Total weekly cost of cover: $8.97
Costs are deducted monthly from your super account.

Age: 53

Death cover

Amount: $54,000

Weekly cost: $2.38

Total & Permanent Disablement cover

Amount: $11,000

Weekly cost: $1.12

Income Protection

Amount (a month): $2,900

Weekly cost: $5.63

Total weekly cost of cover: $9.13
Costs are deducted monthly from your super account.

Age: 54

Death cover

Amount: $46,000

Weekly cost: $2.25

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $1.14

Income Protection

Amount (a month): $2,900

Weekly cost: $6.00

Total weekly cost of cover: $9.39
Costs are deducted monthly from your super account.

Age: 55

Death cover

Amount: $37,000

Weekly cost: $2.00

Total & Permanent Disablement cover

Amount: $9,000

Weekly cost: $1.13

Income Protection

Amount (a month): $2,800

Weekly cost: $6.22

Total weekly cost of cover: $9.35
Costs are deducted monthly from your super account.

Age: 56

Death cover

Amount: $30,000

Weekly cost: $1.81

Total & Permanent Disablement cover

Amount: $7,000

Weekly cost: $0.98

Income Protection

Amount (a month): $2,800

Weekly cost: $6.61

Total weekly cost of cover: $9.40
Costs are deducted monthly from your super account.

Age: 57

Death cover

Amount: $22,000

Weekly cost: $1.48

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $0.96

Income Protection

Amount (a month): $2,800

Weekly cost: $7.06

Total weekly cost of cover: $9.50
Costs are deducted monthly from your super account.

Age: 58

Death cover

Amount: $15,000

Weekly cost: $1.13

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.09

Income Protection

Amount (a month): $2,800

Weekly cost: $7.53

Total weekly cost of cover: $9.75
Costs are deducted monthly from your super account.

Age: 59

Death cover

Amount: $9,000

Weekly cost: $0.76

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.26

Income Protection

Amount (a month): $2,700

Weekly cost: $7.72

Total weekly cost of cover: $9.74
Costs are deducted monthly from your super account.

Age: 60

Death cover

Amount: $9,000

Weekly cost: $0.85

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.10

Income Protection

Amount (a month): $2,700

Weekly cost: $8.24

Total weekly cost of cover: $10.19
Costs are deducted monthly from your super account.

Age: 61

Death cover

Amount: $9,000

Weekly cost: $0.96

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.34

Income Protection

Amount (a month): $2,600

Weekly cost: $8.48

Total weekly cost of cover: $10.78
Costs are deducted monthly from your super account.

Age: 62

Death cover

Amount: $9,000

Weekly cost: $1.09

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.58

Income Protection

Amount (a month): $2,600

Weekly cost: $9.02

Total weekly cost of cover: $11.69
Costs are deducted monthly from your super account.

Age: 63

Death cover

Amount: $9,000

Weekly cost: $1.19

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.82

Income Protection

Amount (a month): $2,600

Weekly cost: $9.59

Total weekly cost of cover: $12.60
Costs are deducted monthly from your super account.

Age:64

Death cover

Amount: $9,000

Weekly cost: $1.23

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $2.08

Income Protection

Amount (a month): $2,500

Weekly cost: $9.85

Total weekly cost of cover: $13.16
Costs are deducted monthly from your super account.

Age:65

Death cover

Amount: $9,000

Weekly cost: $1.28

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,400

Weekly cost: $10.08

Total weekly cost of cover: $11.36
Costs are deducted monthly from your super account.

Age:66

Death cover

Amount: $9,000

Weekly cost: $1.33

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,400

Weekly cost: $10.68

Total weekly cost of cover: $12.01
Costs are deducted monthly from your super account.

Age: 67

Death cover

Amount: $9,000

Weekly cost: $1.38

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,300

Weekly cost: $10.90

Total weekly cost of cover: $12.28
Costs are deducted monthly from your super account.

Age:68

Death cover

Amount: $9,000

Weekly cost: $1.43

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,200

Weekly cost: $10.54

Total weekly cost of cover: $11.97
Costs are deducted monthly from your super account.

Age: 69

Death cover

Amount: $9,000

Weekly cost: $1.47

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,200

Weekly cost: $6.84

Total weekly cost of cover: $8.31
Costs are deducted monthly from your super account.

Why it’s important to review your cover

Regularly reviewing your Income Protection is essential to make sure it accurately reflects any changes to your salary. By keeping your cover up to date, you help safeguard your financial well-being if you become ill or injured. If your salary has changed, you can decrease your cover or apply for more cover if you need it. This proactive approach can give you peace of mind, knowing you’re covered for any unexpected events.

Insurance through super – Caroline’s story

Many Australians see super as a retirement fund, but, as AustralianSuper member Caroline discovered, it also provides essential insurance cover. After battling severe health issues from hip dysplasia, Caroline underwent major surgery, forcing her to leave her customer service job. During this challenging time, her AustralianSuper Income Protection offered vital financial support, reducing the stress of lost income and mounting medical bills.

The AustralianSuper team helped Caroline work through her eligibility for benefits seamlessly, allowing her to focus on her recovery without financial worries. Now fully recovered, she’s pursuing a new career as a personal trainer and regularly reviews her insurance to help ensure it aligns with her changing needs. Caroline’s story highlights the importance of having Income Protection as a lifeline during unexpected challenges, helping members maintain financial stability while prioritising their health.

Learn about changing your cover

Apply for Income Protection

Income Protection is available for members aged 15 to 69.

If the basic cover you’re automatically provided with doesn’t suit your needs, you can apply for fixed cover. The maximum monthly cover amount you can apply for is the lower of $30,000 or 85% of your pre-tax salary. You’ll receive up to 75%, while up to 10% is paid to your super.

You can apply for Income Protection by logging into your account online. If you don’t have an online account, you’ll first need to register for online access.

If you want to change or cancel your cover, visit the Change or cancel your cover page.

Work rating

A work rating classifies the usual activities of your job into one of three ratings: Blue Collar, White Collar or Professional. Our default work rating is Blue Collar, which is also the most expensive. You could pay less for your cover if you’re eligible for a White Collar or Professional work rating. Use our Work Rating Tool to see if you could pay less for your insurance cover

Make a claim

In the past decade to 30 June 2024, we’ve paid over $4.5 billion in insurance claims, giving you peace of mind knowing we’ve got you covered.

More information

For more information on things to consider when thinking about Income Protection, download the Insurance in your super guide.

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