Income Protection through Super

Income Protection can help if you become ill or injured (at any time) and can’t work temporarily. It provides monthly payments to support you while you’re not earning your regular salary.

Cover you get when you join

If you’re 25 or older when you join us, you’ll get a basic level of Income Protection cover (depending on the plan or division you join) and you won’t have to give us any health information.

Your cover is age-based, so the amount and cost of it will change as you get older.

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

It starts 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). The cost is automatically deducted from your super account.

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

Select your age to see how much cover you could get when you join and the cost of it.

Tell us your age

Age: 15

Death cover

Amount: $0

Weekly cost: $0

Total & Permanent Disablement cover

Amount: $0

Weekly cost: $0

Income Protection cover

Amount (a month): $0

Weekly cost: $0

Total weekly cost of cover: $0
Costs are deducted from your account monthly.

Age: 16

Death cover

Amount: $0

Weekly cost: $0

Total & Permanent Disablement cover

Amount: $0

Weekly cost: $0

Income Protection cover

Amount (a month): $0

Weekly cost: $0

Total weekly cost of cover: $0
Costs are deducted from your account monthly.

Age: 17

Death cover

Amount: $0

Weekly cost: $0

Total & Permanent Disablement cover

Amount: $0

Weekly cost: $0

Income Protection cover

Amount (a month): $0

Weekly cost: $0

Total weekly cost of cover: $0
Costs are deducted from your account monthly.

Age: 18

Death cover

Amount: $0

Weekly cost: $0

Total & Permanent Disablement cover

Amount: $0

Weekly cost: $0

Income Protection cover

Amount (a month): $0

Weekly cost: $0

Total weekly cost of cover: $0
Costs are deducted from your account monthly.

Age: 19

Death cover

Amount: $0

Weekly cost: $0

Total & Permanent Disablement cover

Amount: $0

Weekly cost: $0

Income Protection cover

Amount (a month): $0

Weekly cost: $0

Total weekly cost of cover: $0
Costs are deducted from your account monthly.

Age: 20

Death cover

Amount: $0

Weekly cost: $0

Total & Permanent Disablement cover

Amount: $0

Weekly cost: $0

Income Protection cover

Amount (a month): $0

Weekly cost: $0

Total weekly cost of cover: $0
Costs are deducted from your account monthly.

Age: 21

Death cover

Amount: $0

Weekly cost: $0

Total & Permanent Disablement cover

Amount: $0

Weekly cost: $0

Income Protection cover

Amount (a month): $0

Weekly cost: $0

Total weekly cost of cover: $0
Costs are deducted from your account monthly.

Age: 22

Death cover

Amount: $0

Weekly cost: $0

Total & Permanent Disablement cover

Amount: $0

Weekly cost: $0

Income Protection cover

Amount (a month): $0

Weekly cost: $0

Total weekly cost of cover: $0
Costs are deducted from your account monthly.

Age: 23

Death cover

Amount: $0

Weekly cost: $0

Total & Permanent Disablement cover

Amount: $0

Weekly cost: $0

Income Protection cover

Amount (a month): $0

Weekly cost: $0

Total weekly cost of cover: $0
Costs are deducted from your account monthly.

Age: 24

Death cover

Amount: $0

Weekly cost: $0

Total & Permanent Disablement cover

Amount: $0

Weekly cost: $0

Income Protection cover

Amount (a month): $0

Weekly cost: $0

Total weekly cost of cover: $0
Costs are deducted from your account monthly.

Age: 25

Death cover

Amount: $116,000

Weekly cost: $1.25

Total & Permanent Disablement cover

Amount: $48,000

Weekly cost: $0.41

Income Protection cover

Amount (a month): $1,900

Weekly cost: $0.67

Total weekly cost of cover: $2.33
Costs are deducted from your account monthly.

Age: 26

Death cover

Amount: $132,000

Weekly cost: $1.45

Total & Permanent Disablement cover

Amount: $52,000

Weekly cost: $0.47

Income Protection cover

Amount (a month): $2,000

Weekly cost: $0.78

Total weekly cost of cover: $2.71
Costs are deducted from your account monthly.

Age: 27

Death cover

Amount: $147,000

Weekly cost: $1.68

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $0.53

Income Protection cover

Amount (a month): $2,200

Weekly cost: $0.92

Total weekly cost of cover: $3.13
Costs are deducted from your account monthly.

Age: 28

Death cover

Amount: $161,000

Weekly cost: $1.88

Total & Permanent Disablement cover

Amount: $58,000

Weekly cost: $0.59

Income Protection cover

Amount (a month): $2,300

Weekly cost: $1.08

Total weekly cost of cover: $3.55
Costs are deducted from your account monthly.

Age: 29

Death cover

Amount: $175,000

Weekly cost: $2.14

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.69

Income Protection cover

Amount (a month): $2,400

Weekly cost: $1.22

Total weekly cost of cover: $4.05
Costs are deducted from your account monthly.

Age: 30

Death cover

Amount: $178,000

Weekly cost: $2.23

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.74

Income Protection cover

Amount (a month): $2,500

Weekly cost: $1.43

Total weekly cost of cover: $4.39
Costs are deducted from your account monthly.

Age: 31

Death cover

Amount: $182,000

Weekly cost: $2.37

Total & Permanent Disablement cover

Amount: $60,000

Weekly cost: $0.80

Income Protection cover

Amount (a month): $2,600

Weekly cost: $1.64

Total weekly cost of cover: $4.81
Costs are deducted from your account monthly.

Age: 32

Death cover

Amount: $183,000

Weekly cost: $2.51

Total & Permanent Disablement cover

Amount: $59,000

Weekly cost: $0.89

Income Protection cover

Amount (a month): $2,700

Weekly cost: $1.86

Total weekly cost of cover: $5.26
Costs are deducted from your account monthly.

Age: 33

Death cover

Amount: $183,000

Weekly cost: $2.62

Total & Permanent Disablement cover

Amount: $57,000

Weekly cost: $0.95

Income Protection cover

Amount (a month): $2,800

Weekly cost: $2.13

Total weekly cost of cover: $5.70
Costs are deducted from your account monthly.

Age: 34

Death cover

Amount: $183,000

Weekly cost: $2.73

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $1.04

Income Protection cover

Amount (a month): $2,900

Weekly cost: $2.38

Total weekly cost of cover: $6.14
Costs are deducted from your account monthly.

Age: 35

Death cover

Amount: $180,000

Weekly cost: $2.83

Total & Permanent Disablement cover

Amount: $53,000

Weekly cost: $1.09

Income Protection cover

Amount (a month): $3,000

Weekly cost: $2.67

Total weekly cost of cover: $6.58
Costs are deducted from your account monthly.

Age: 36

Death cover

Amount: $178,000

Weekly cost: $2.94

Total & Permanent Disablement cover

Amount: $51,000

Weekly cost: $1.17

Income Protection cover

Amount (a month): $3,000

Weekly cost: $2.85

Total weekly cost of cover: $6.95
Costs are deducted from your account monthly.

Age: 37

Death cover

Amount: $174,000

Weekly cost: $3.03

Total & Permanent Disablement cover

Amount: $49,000

Weekly cost: $1.24

Income Protection cover

Amount (a month): $3,000

Weekly cost: $3.06

Total weekly cost of cover: $7.33
Costs are deducted from your account monthly.

Age: 38

Death cover

Amount: $171,000

Weekly cost: $3.18

Total & Permanent Disablement cover

Amount: $47,000

Weekly cost: $1.32

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.38

Total weekly cost of cover: $7.88
Costs are deducted from your account monthly.

Age: 39

Death cover

Amount: $166,000

Weekly cost: $3.25

Total & Permanent Disablement cover

Amount: $45,000

Weekly cost: $1.41

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.63

Total weekly cost of cover: $8.29
Costs are deducted from your account monthly.

Age: 40

Death cover

Amount: $160,000

Weekly cost: $3.36

Total & Permanent Disablement cover

Amount: $43,000

Weekly cost: $1.49

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.91

Total weekly cost of cover: $8.76
Costs are deducted from your account monthly.

Age: 41

Death cover

Amount: $154,000

Weekly cost: $3.45

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $1.54

Income Protection cover

Amount (a month): $3,100

Weekly cost: $4.15

Total weekly cost of cover: $9.14
Costs are deducted from your account monthly.

Age: 42

Death cover

Amount: $146,000

Weekly cost: $3.50

Total & Permanent Disablement cover

Amount: $37,000

Weekly cost: $1.58

Income Protection cover

Amount (a month): $3,100

Weekly cost: $4.46

Total weekly cost of cover: $9.55
Costs are deducted from your account monthly.

Age: 43

Death cover

Amount: $140,000

Weekly cost: $3.60

Total & Permanent Disablement cover

Amount: $34,000

Weekly cost: $1.62

Income Protection cover

Amount (a month): $3,100

Weekly cost: $4.77

Total weekly cost of cover: $9.99
Costs are deducted from your account monthly.

Age: 44

Death cover

Amount: $131,000

Weekly cost: $3.65

Total & Permanent Disablement cover

Amount: $32,000

Weekly cost: $1.69

Income Protection cover

Amount (a month): $3,100

Weekly cost: $5.12

Total weekly cost of cover: $10.46
Costs are deducted from your account monthly.

Age: 45

Death cover

Amount: $124,000

Weekly cost: $3.72

Total & Permanent Disablement cover

Amount: $29,000

Weekly cost: $1.70

Income Protection cover

Amount (a month): $3,100

Weekly cost: $5.49

Total weekly cost of cover: $10.90
Costs are deducted from your account monthly.

Age: 46

Death cover

Amount: $115,000

Weekly cost: $3.74

Total & Permanent Disablement cover

Amount: $27,000

Weekly cost: $1.76

Income Protection cover

Amount (a month): $3,100

Weekly cost: $5.89

Total weekly cost of cover: $11.39
Costs are deducted from your account monthly.

Age: 47

Death cover

Amount: $107,000

Weekly cost: $3.78

Total & Permanent Disablement cover

Amount: $23,000

Weekly cost: $1.67

Income Protection cover

Amount (a month): $3,000

Weekly cost: $6.09

Total weekly cost of cover: $11.53
Costs are deducted from your account monthly.

Age: 48

Death cover

Amount: $98,000

Weekly cost: $3.76

Total & Permanent Disablement cover

Amount: $21,000

Weekly cost: $1.69

Income Protection cover

Amount (a month): $3,000

Weekly cost: $6.45

Total weekly cost of cover: $10.52
Costs are deducted from your account monthly.

Age: 49

Death cover

Amount: $90,000

Weekly cost: $3.78

Total & Permanent Disablement cover

Amount: $19,000

Weekly cost: $1.70

Income Protection cover

Amount (a month): $3,000

Weekly cost: $6.96

Total weekly cost of cover: $12.44
Costs are deducted from your account monthly.

Age: 50

Death cover

Amount: $80,000

Weekly cost: $3.68

Total & Permanent Disablement cover

Amount: $17,000

Weekly cost: $1.69

Income Protection cover

Amount (a month): $3,000

Weekly cost: $7.41

Total weekly cost of cover: $12.78
Costs are deducted from your account monthly.

Age: 51

Death cover

Amount: $72,000

Weekly cost: $3.63

Total & Permanent Disablement cover

Amount: $15,000

Weekly cost: $1.65

Income Protection cover

Amount (a month): $3,000

Weekly cost: $7.92

Total weekly cost of cover: $13.20
Costs are deducted from your account monthly.

Age: 52

Death cover

Amount: $63,000

Weekly cost: $3.50

Total & Permanent Disablement cover

Amount: $13,000

Weekly cost: $1.59

Income Protection cover

Amount (a month): $2,900

Weekly cost: $8.18

Total weekly cost of cover: $13.27
Costs are deducted from your account monthly.

Age: 53

Death cover

Amount: $54,000

Weekly cost: $3.31

Total & Permanent Disablement cover

Amount: $11,000

Weekly cost: $1.51

Income Protection cover

Amount (a month): $2,900

Weekly cost: $8.73

Total weekly cost of cover: $13.55
Costs are deducted from your account monthly.

Age: 54

Death cover

Amount: $46,000

Weekly cost: $3.12

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $1.55

Income Protection cover

Amount (a month): $2,900

Weekly cost: $9.37

Total weekly cost of cover: $14.04
Costs are deducted from your account monthly.

Age: 55

Death cover

Amount: $37,000

Weekly cost: $2.78

Total & Permanent Disablement cover

Amount: $9,000

Weekly cost: $1.59

Income Protection cover

Amount (a month): $2,800

Weekly cost: $9.63

Total weekly cost of cover: $14.00
Costs are deducted from your account monthly.

Age: 56

Death cover

Amount: $30,000

Weekly cost: $2.51

Total & Permanent Disablement cover

Amount: $7,000

Weekly cost: $1.42

Income Protection cover

Amount (a month): $2,800

Weekly cost: $10.28

Total weekly cost of cover: $14.20
Costs are deducted from your account monthly.

Age: 57

Death cover

Amount: $22,000

Weekly cost: $2.05

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.39

Income Protection cover

Amount (a month): $2,800

Weekly cost: $10.98

Total weekly cost of cover: $12.38
Costs are deducted from your account monthly.

Age: 58

Death cover

Amount: $15,000

Weekly cost: $1.56

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.59

Income Protection cover

Amount (a month): $2,800

Weekly cost: $11.68

Total weekly cost of cover: $14.83
Costs are deducted from your account monthly.

Age: 59

Death cover

Amount: $9,000

Weekly cost: $1.05

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.83

Income Protection cover

Amount (a month): $2,700

Weekly cost: $11.99

Total weekly cost of cover: $14.87
Costs are deducted from your account monthly.

Age: 60

Death cover

Amount: $9,000

Weekly cost: $1.18

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.61

Income Protection cover

Amount (a month): $2,700

Weekly cost: $12.80

Total weekly cost of cover: $15.58
Costs are deducted from your account monthly.

Age: 61

Death cover

Amount: $9,000

Weekly cost: $1.33

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.94

Income Protection cover

Amount (a month): $2,600

Weekly cost: $13.16

Total weekly cost of cover: $16.43
Costs are deducted from your account monthly.

Age: 62

Death cover

Amount: $9,000

Weekly cost: $1.50

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $2.30

Income Protection cover

Amount (a month): $2,600

Weekly cost: $14.01

Total weekly cost of cover: $17.82
Costs are deducted from your account monthly.

Age: 63

Death cover

Amount: $9,000

Weekly cost: $1.64

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $2.64

Income Protection cover

Amount (a month): $2,600

Weekly cost: $14.90

Total weekly cost of cover: $19.18
Costs are deducted from your account monthly.

Age:64

Death cover

Amount: $9,000

Weekly cost: $1.71

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $3.03

Income Protection cover

Amount (a month): $2,500

Weekly cost: $15.28

Total weekly cost of cover: $20.01
Costs are deducted from your account monthly.

Age:65

Death cover

Amount: $9,000

Weekly cost: $1.78

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,400

Weekly cost: $15.62

Total weekly cost of cover: $17.40
Costs are deducted from your account monthly.

Age:66

Death cover

Amount: $9,000

Weekly cost: $1.84

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,400

Weekly cost: $16.58

Total weekly cost of cover: $18.42
Costs are deducted from your account monthly.

Age: 67

Death cover

Amount: $9,000

Weekly cost: $1.91

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,300

Weekly cost: $16.91

Total weekly cost of cover: $18.81
Costs are deducted from your account monthly.

Age:68

Death cover

Amount: $9,000

Weekly cost: $1.97

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,200

Weekly cost: $16.37

Total weekly cost of cover: $18.34
Costs are deducted from your account monthly.

Age: 69

Death cover

Amount: $9,000

Weekly cost: $2.04

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,200

Weekly cost: $10.65

Total weekly cost of cover: $12.69
Costs are deducted from your account monthly.

A few more things

How much your Income Protection cover costs depends on your age, the amount of cover you have and your individual work rating.

Income Protection is available for ages 15 to 69.  If you think the basic cover you’re automatically provided with is not the right amount to suit your needs you can apply for fixed or extra (fixed) cover, apply to change your cover amount or cancel your cover anytime.

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

You can also choose a different benefit payment period or waiting period. Your benefit payment period is the maximum amount of time benefits may be paid and can be changed to up to five years or up to age 65. Your waiting period is how long you’ll wait before you start receiving payments and can be changed to 30 days.

Income Protection covers total or partial disablement only. It doesn’t cover redundancy. Insurance against loss of income from business closure or lack of shifts can’t be provided by super funds.

Want to know more?

You can find out more about Income Protection cover through AustralianSuper by reading our Insurance in your super guide. You’ll find details about your insurance options including cover designs, work ratings, changing or cancelling your cover, standard exclusions and information about nominating your beneficiaries. 

LEARN MORE

AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450 AFSL 237848.

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.

Learn more

Change your cover

Our insurance options are flexible and you can adjust your cover as your life changes. 

Learn more

How do I cancel my AustralianSuper insurance?

You can use the AustralianSuper app, log into your account or submit the Cancel your insurance form.

Cancel my insurance

Income protection when you need it

Caroline was unable to work after a surgery. Learn the steps she took to access income protection through her super account.

read her story
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