Income Protection Claims

Salary protection insurance, income protection insurance, salary continuance insurance. Australians searching for help after an illness or injury run into all three terms and assume they must mean different things. They don't. Here's what they all mean, where you find this cover, and how to claim it.

Confused about whether to claim income protection or TPD through your super? The answer may be both, and understanding when and why could make a significant difference to your financial recovery.

Losing your job through redundancy is stressful enough. If you're also dealing with an illness or injury, the question of what your income protection insurance covers becomes urgent. This guide explains exactly where redundancy and income protection intersect, what is covered, and what your options are.

Self-employed Australians and sole traders often assume income protection insurance doesn't apply to them. In many cases, it does. If you have superannuation and an illness or injury has stopped you from working, your fund may owe you monthly benefit payments. Here's how it works.

Wondering how much income protection will actually pay? This guide explains the 75–85% rule, waiting periods, benefit periods, and what you can realistically expect from your super fund.

If you're trying to work out what your income protection insurance would actually pay you, this guide explains how your income protection benefit is calculated — the monthly amount, waiting periods, benefit periods, and offsets.

If illness or injury has stopped you from working, your superannuation fund may owe you monthly income replacement payments right now. Most Australians don't know how to claim this, or that it even exists. This step-by-step guide walks you through the entire process.

Most Australians have income protection insurance through their superannuation and do not know it. If an illness or injury has stopped you from working, this cover can replace up to 70% of your income for months or even years. This guide explains how income protection through super works, who qualifies, how to make a claim, and what to do if your fund has not been upfront about your entitlements.