What is Income Protection insurance?
If you can't work in the short term because you're sick or injured, our Income Protection cover replaces part of your income. It's a safety net to help keep money coming in while you get better.
What you get with us
Cover for 75% of your income plus up to 25% super.
Flexible options to get the best income protection for you.
Easy payments from your super, not your bank account.
Our Income Protection options
Get regular monthly payments (called benefits) while you're off work recovering. Choose the level of cover that best suits you.
Opt-In Income Protection
Affordable cover with all the standard features.
No medical details needed
White Collar option available
Maximum benefits (what you’re paid)
$5,000 / month
Opt-In Income Protection
$7,500 / month
Opt-In - White Collar
How much does it cost?
The cost of cover (called premiums) depends on your level of cover, age and gender. It also goes up as you get older.
How to apply
You’ll need to apply within 120 days of joining. The easiest way is through Member Online.
Already a member? Apply online
You can also apply by downloading our form.
Tailored Income Protection
Flexible cover to suit your budget and situation.
Choose your waiting1 and benefit period 2
Cost of cover based on your work
Maximum benefits (what you’re paid)
$30,000 / month
Tailored Income Protection
How much does it cost?
Premiums are based on how much cover you have, your benefit and waiting periods, gender, job, health and age.
How to apply
Once you're a member, you can apply for cover through Member Online.
Not a member? Join now
You can also apply by downloading our form.
Compare your options
| Opt-In Income Protection | Tailored Income Protection | |
|---|---|---|
| How to get cover | Apply within 120 days of joining | Apply anytime |
| Benefit period1 | 2 years | 2 years, 5 years, or to age 65 |
| Waiting period2 | 90 days | 30, 60, 90, 180 days |
| Cover up to age 65 | ||
| Cover if you're self-employed3 | ||
| Partial disability payments | ||
| Indexation of cover (yearly increase) | ||
| Occupation categories | 2 | 6 |
| Indexation of claim benefits4 | ||
| Rehabilitation or retraining support | ||
| Cover during paid and unpaid leave5 | ||
| Cover when working overseas | ||
| Maximum cover per month | $5,000 ($7,500 for White Collar cover) | $30,000 |
| No premiums when on claim |
1. The benefit period means how long you can get insurance payments for a claim.
2. The waiting period is from the date you can't work to when your benefits start. You start getting regular payments a month after the waiting period ends.
3. You must be getting Superannuation Guarantee contributions into your ART account. Read the Super Savings Insurance Guide for details.
4. When you're on a claim, we'll index your Tailored Income Protection benefits.
5. Income Protection cover will stop when eligible unpaid leave or parental leave goes over 24 months.
Download our guide
Get all the details before you apply. Read our Super Savings Insurance Guide.
How much income protection do I need?
Use our insurance calculator to help figure out what cover you need.
FAQs for Income Protection cover
Can’t find an answer here? Check out the Super Savings Insurance Guide or contact us on 13 11 84.
