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

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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What's age-based cover 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: n/a

Weekly cost: n/a

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): n/a

Weekly cost: n/a

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

Age: 16

Death cover

Amount: n/a

Weekly cost: n/a

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): n/a

Weekly cost: n/a

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

Age: 17

Death cover

Amount: n/a

Weekly cost: n/a

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): n/a

Weekly cost: n/a

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

Age: 18

Death cover

Amount: n/a

Weekly cost: n/a

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): n/a

Weekly cost: n/a

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

Age: 19

Death cover

Amount: n/a

Weekly cost: n/a

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): n/a

Weekly cost: n/a

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

Age: 20

Death cover

Amount: $50,000

Weekly cost: $0.42

Total & Permanent Disablement cover

Amount: $25,000

Weekly cost: $0.14

Income Protection cover

Amount (a month): n/a

Weekly cost: n/a

Total weekly cost of cover: $0.56
Costs are deducted from your account monthly.

Age: 21

Death cover

Amount: $51,000

Weekly cost: $0.43

Total & Permanent Disablement cover

Amount: $28,000

Weekly cost: $0.16

Income Protection cover

Amount (a month): n/a

Weekly cost: n/a

Total weekly cost of cover: $0.59
Costs are deducted from your account monthly.

Age: 22

Death cover

Amount: $66,000

Weekly cost: $0.56

Total & Permanent Disablement cover

Amount: $33,000

Weekly cost: $0.19

Income Protection cover

Amount (a month): n/a

Weekly cost: n/a

Total weekly cost of cover: $0.75
Costs are deducted from your account monthly.

Age: 23

Death cover

Amount: $82,000

Weekly cost: $0.71

Total & Permanent Disablement cover

Amount: $38,000

Weekly cost: $0.22

Income Protection cover

Amount (a month): n/a

Weekly cost: n/a

Total weekly cost of cover: $0.93
Costs are deducted from your account monthly.

Age: 24

Death cover

Amount: $100,000

Weekly cost: $0.88

Total & Permanent Disablement cover

Amount: $44,000

Weekly cost: $0.26

Income Protection cover

Amount (a month): n/a

Weekly cost: n/a

Total weekly cost of cover: $1.14
Costs are deducted from your account monthly.

Age: 25

Death cover

Amount: $116,000

Weekly cost: $1.04

Total & Permanent Disablement cover

Amount: $48,000

Weekly cost: $0.25

Income Protection cover

Amount (a month): $1,900

Weekly cost: $0.51

Total weekly cost of cover: $1.81
Costs are deducted from your account monthly.

Age: 26

Death cover

Amount: $132,000

Weekly cost: $1.21

Total & Permanent Disablement cover

Amount: $52,000

Weekly cost: $0.29

Income Protection cover

Amount (a month): $2,000

Weekly cost: $0.60

Total weekly cost of cover: $2.11
Costs are deducted from your account monthly.

Age: 27

Death cover

Amount: $147,000

Weekly cost: $1.40

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $0.33

Income Protection cover

Amount (a month): $2,200

Weekly cost: $0.73

Total weekly cost of cover: $2.45
Costs are deducted from your account monthly.

Age: 28

Death cover

Amount: $161,000

Weekly cost: $1.58

Total & Permanent Disablement cover

Amount: $58,000

Weekly cost: $0.37

Income Protection cover

Amount (a month): $2,300

Weekly cost: $0.83

Total weekly cost of cover: $2.77
Costs are deducted from your account monthly.

Age: 29

Death cover

Amount: $175,000

Weekly cost: $1.79

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.43

Income Protection cover

Amount (a month): $2,400

Weekly cost: $0.94

Total weekly cost of cover: $3.15
Costs are deducted from your account monthly.

Age: 30

Death cover

Amount: $178,000

Weekly cost: $1.87

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.46

Income Protection cover

Amount (a month): $2,500

Weekly cost: $1.10

Total weekly cost of cover: $3.43
Costs are deducted from your account monthly.

Age: 31

Death cover

Amount: $182,000

Weekly cost: $1.98

Total & Permanent Disablement cover

Amount: $60,000

Weekly cost: $0.50

Income Protection cover

Amount (a month): $2,600

Weekly cost: $1.25

Total weekly cost of cover: $3.73
Costs are deducted from your account monthly.

Age: 32

Death cover

Amount: $183,000

Weekly cost: $2.09

Total & Permanent Disablement cover

Amount: $59,000

Weekly cost: $0.55

Income Protection cover

Amount (a month): $2,700

Weekly cost: $1.43

Total weekly cost of cover: $4.07
Costs are deducted from your account monthly.

Age: 33

Death cover

Amount: $183,000

Weekly cost: $2.18

Total & Permanent Disablement cover

Amount: $57,000

Weekly cost: $0.59

Income Protection cover

Amount (a month): $2,800

Weekly cost: $1.62

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

Age: 34

Death cover

Amount: $183,000

Weekly cost: $2.27

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $0.64

Income Protection cover

Amount (a month): $2,900

Weekly cost: $1.83

Total weekly cost of cover: $4.74
Costs are deducted from your account monthly.

Age: 35

Death cover

Amount: $180,000

Weekly cost: $2.36

Total & Permanent Disablement cover

Amount: $53,000

Weekly cost: $0.67

Income Protection cover

Amount (a month): $3,000

Weekly cost: $2.04

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

Age: 36

Death cover

Amount: $178,000

Weekly cost: $2.46

Total & Permanent Disablement cover

Amount: $51,000

Weekly cost: $0.72

Income Protection cover

Amount (a month): $3,000

Weekly cost: $2.19

Total weekly cost of cover: $5.37
Costs are deducted from your account monthly.

Age: 37

Death cover

Amount: $174,000

Weekly cost: $2.54

Total & Permanent Disablement cover

Amount: $49,000

Weekly cost: $0.77

Income Protection cover

Amount (a month): $3,000

Weekly cost: $2.34

Total weekly cost of cover: $5.65
Costs are deducted from your account monthly.

Age: 38

Death cover

Amount: $171,000

Weekly cost: $2.65

Total & Permanent Disablement cover

Amount: $47,000

Weekly cost: $0.82

Income Protection cover

Amount (a month): $3,100

Weekly cost: $2.60

Total weekly cost of cover: $6.07
Costs are deducted from your account monthly.

Age: 39

Death cover

Amount: $166,000

Weekly cost: $2.72

Total & Permanent Disablement cover

Amount: $45,000

Weekly cost: $0.87

Income Protection cover

Amount (a month): $3,100

Weekly cost: $2.79

Total weekly cost of cover: $6.39
Costs are deducted from your account monthly.

Age: 40

Death cover

Amount: $160,000

Weekly cost: $2.82

Total & Permanent Disablement cover

Amount: $43,000

Weekly cost: $0.92

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.01

Total weekly cost of cover: $6.75
Costs are deducted from your account monthly.

Age: 41

Death cover

Amount: $154,000

Weekly cost: $2.88

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.96

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.19

Total weekly cost of cover: $7.03
Costs are deducted from your account monthly.

Age: 42

Death cover

Amount: $146,000

Weekly cost: $2.92

Total & Permanent Disablement cover

Amount: $37,000

Weekly cost: $0.98

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.44

Total weekly cost of cover: $7.34
Costs are deducted from your account monthly.

Age: 43

Death cover

Amount: $140,000

Weekly cost: $3.01

Total & Permanent Disablement cover

Amount: $34,000

Weekly cost: $1.00

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.69

Total weekly cost of cover: $7.70
Costs are deducted from your account monthly.

Age: 44

Death cover

Amount: $131,000

Weekly cost: $3.05

Total & Permanent Disablement cover

Amount: $32,000

Weekly cost: $1.05

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.94

Total weekly cost of cover: $8.04
Costs are deducted from your account monthly.

Age: 45

Death cover

Amount: $124,000

Weekly cost: $3.11

Total & Permanent Disablement cover

Amount: $29,000

Weekly cost: $1.05

Income Protection cover

Amount (a month): $3,100

Weekly cost: $4.22

Total weekly cost of cover: $8.38
Costs are deducted from your account monthly.

Age: 46

Death cover

Amount: $115,000

Weekly cost: $3.12

Total & Permanent Disablement cover

Amount: $27,000

Weekly cost: $1.09

Income Protection cover

Amount (a month): $3,100

Weekly cost: $4.53

Total weekly cost of cover: $8.73
Costs are deducted from your account monthly.

Age: 47

Death cover

Amount: $107,000

Weekly cost: $3.16

Total & Permanent Disablement cover

Amount: $23,000

Weekly cost: $1.03

Income Protection cover

Amount (a month): $3,000

Weekly cost: $4.68

Total weekly cost of cover: $8.87
Costs are deducted from your account monthly.

Age: 48

Death cover

Amount: $98,000

Weekly cost: $3.15

Total & Permanent Disablement cover

Amount: $21,000

Weekly cost: $1.05

Income Protection cover

Amount (a month): $3,000

Weekly cost: $4.98

Total weekly cost of cover: $9.17
Costs are deducted from your account monthly.

Age: 49

Death cover

Amount: $90,000

Weekly cost: $3.16

Total & Permanent Disablement cover

Amount: $19,000

Weekly cost: $1.05

Income Protection cover

Amount (a month): $3,000

Weekly cost: $5.34

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

Age: 50

Death cover

Amount: $80,000

Weekly cost: $3.07

Total & Permanent Disablement cover

Amount: $17,000

Weekly cost: $1.05

Income Protection cover

Amount (a month): $3,000

Weekly cost: $5.70

Total weekly cost of cover: $9.82
Costs are deducted from your account monthly.

Age: 51

Death cover

Amount: $72,000

Weekly cost: $3.03

Total & Permanent Disablement cover

Amount: $15,000

Weekly cost: $1.02

Income Protection cover

Amount (a month): $3,000

Weekly cost: $6.09

Total weekly cost of cover: $10.15
Costs are deducted from your account monthly.

Age: 52

Death cover

Amount: $63,000

Weekly cost: $2.92

Total & Permanent Disablement cover

Amount: $13,000

Weekly cost: $0.99

Income Protection cover

Amount (a month): $2,900

Weekly cost: $6.29

Total weekly cost of cover: $10.20
Costs are deducted from your account monthly.

Age: 53

Death cover

Amount: $54,000

Weekly cost: $2.76

Total & Permanent Disablement cover

Amount: $11,000

Weekly cost: $0.94

Income Protection cover

Amount (a month): $2,900

Weekly cost: $6.73

Total weekly cost of cover: $10.43
Costs are deducted from your account monthly.

Age: 54

Death cover

Amount: $46,000

Weekly cost: $2.61

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.96

Income Protection cover

Amount (a month): $2,900

Weekly cost: $7.19

Total weekly cost of cover: $10.76
Costs are deducted from your account monthly.

Age: 55

Death cover

Amount: $37,000

Weekly cost: $2.32

Total & Permanent Disablement cover

Amount: $9,000

Weekly cost: $0.98

Income Protection cover

Amount (a month): $2,800

Weekly cost: $7.42

Total weekly cost of cover: $10.73
Costs are deducted from your account monthly.

Age: 56

Death cover

Amount: $30,000

Weekly cost: $2.09

Total & Permanent Disablement cover

Amount: $7,000

Weekly cost: $0.88

Income Protection cover

Amount (a month): $2,800

Weekly cost: $7.90

Total weekly cost of cover: $10.87
Costs are deducted from your account monthly.

Age: 57

Death cover

Amount: $22,000

Weekly cost: $1.71

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $0.86

Income Protection cover

Amount (a month): $2,800

Weekly cost: $8.43

Total weekly cost of cover: $11.00
Costs are deducted from your account monthly.

Age: 58

Death cover

Amount: $15,000

Weekly cost: $1.31

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $0.98

Income Protection cover

Amount (a month): $2,800

Weekly cost: $8.99

Total weekly cost of cover: $11.28
Costs are deducted from your account monthly.

Age: 59

Death cover

Amount: $9,000

Weekly cost: $0.88

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.13

Income Protection cover

Amount (a month): $2,700

Weekly cost: $9.23

Total weekly cost of cover: $11.25
Costs are deducted from your account monthly.

Age: 60

Death cover

Amount: $9,000

Weekly cost: $0.99

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $0.99

Income Protection cover

Amount (a month): $2,700

Weekly cost: $9.86

Total weekly cost of cover: $11.84
Costs are deducted from your account monthly.

Age: 61

Death cover

Amount: $9,000

Weekly cost: $1.11

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.20

Income Protection cover

Amount (a month): $2,600

Weekly cost: $10.11

Total weekly cost of cover: $12.43
Costs are deducted from your account monthly.

Age: 62

Death cover

Amount: $9,000

Weekly cost: $1.26

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.43

Income Protection cover

Amount (a month): $2,600

Weekly cost: $10.76

Total weekly cost of cover: $13.45
Costs are deducted from your account monthly.

Age: 63

Death cover

Amount: $9,000

Weekly cost: $1.37

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.64

Income Protection cover

Amount (a month): $2,600

Weekly cost: $11.47

Total weekly cost of cover: $14.48
Costs are deducted from your account monthly.

Age:64

Death cover

Amount: $9,000

Weekly cost: $1.43

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.88

Income Protection cover

Amount (a month): $2,500

Weekly cost: $11.75

Total weekly cost of cover: $15.05
Costs are deducted from your account monthly.

Age:65

Death cover

Amount: $9,000

Weekly cost: $1.48

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,400

Weekly cost: $12.00

Total weekly cost of cover: $13.48
Costs are deducted from your account monthly.

Age:66

Death cover

Amount: $9,000

Weekly cost: $1.54

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,400

Weekly cost: $12.77

Total weekly cost of cover: $14.31
Costs are deducted from your account monthly.

Age: 67

Death cover

Amount: $9,000

Weekly cost: $1.59

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,300

Weekly cost: $13.02

Total weekly cost of cover: $14.61
Costs are deducted from your account monthly.

Age:68

Death cover

Amount: $9,000

Weekly cost: $1.65

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,200

Weekly cost: $12.58

Total weekly cost of cover: $14.23
Costs are deducted from your account monthly.

Age: 69

Death cover

Amount: $9,000

Weekly cost: $1.70

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,200

Weekly cost: $8.18

Total weekly cost of cover: $9.89
Costs are deducted from your account monthly.

Cancelling online is not available for Public Sector Division members.

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

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, 2.9MB

Insurance guide (Public Sector Division) - pdf, 3.3MB

Increase your Income Protection cover after a salary increase - pdf, 163KB

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