Income protection

Income protection

Let’s make sure you’re covered if your next big break from work isn’t a holiday.

If you need to take extended time off work to recover from an injury or illness, income protection cover can help pay the bills.

Where eligible, you can be paid a benefit of up to 85% of your monthly pre-disability income. This includes super payments. You can receive benefits for up to two or five years (depending on what you chose when you applied) while you’re medically unable to work.

Who can apply (and how much it costs)

You can apply for income protection cover if you’re:

  • Under 65
  • Earning at least $16,000 p.a. through ongoing work or working at least 15 hours each week
  • A full-time, part-time, self-employed or casual worker or contractor.

Fees for income protection are based on your gender, age, occupation, waiting period and benefit period.

Read our Insurance Guide to find out more, including any extra eligibility criteria and conditions.

How to apply

Applying is easy through your MemberOnline account. Simply go to the insurance section and click on the link to visit ‘InsuranceOnline’. Once you submit all your details, our insurer will work through them and then let you know if your application has been provisionally accepted.