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.
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.
If you're part of a corporate or business plan, please visit your employer's microsite for your Super Savings PDS and guides.
Get regular monthly payments (called benefits) while you're off work recovering. Choose the level of cover that best suits you.
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Affordable cover with all the standard features.
No medical details needed
No medical details
needed
White Collar option available
Opt-In Income Protection
Opt-In - White Collar
Opt-In Income Protection
Opt-In - White Collar
The cost of cover (called premiums) depends on your level of cover, age and gender. It also goes up as you get older.
You’ll need to apply within 120 days of joining. The easiest way is through Member Online.
Join todayAlready a member? Apply online
You can also apply by downloading our form.
Flexible cover to suit your budget and situation.
Choose your benefit and waiting period
Choose your benefit and
waiting period
Cost of cover based on your work
Tailored Income Protection
Premiums are based on how much cover you have, your benefit and waiting periods, gender, job, health and age.
Once you're a member, you can apply for cover through Member Online.
Apply todayNot a member? Join now
You can also apply by downloading this form.
1. You must be getting Superannuation Guarantee contributions into your ART account. Read the Super Savings Insurance Guide for details.
2. When you're on a claim, we'll index your Tailored Income Protection benefits.
3. Income Protection cover will stop when eligible unpaid leave or parental leave goes over 24 months.
Get all the details before you apply. Read our Super Savings Insurance Guide.
Use our insurance calculator to help figure out what cover you need.
Can’t find an answer here? Check out the Super Savings Insurance Guide or contact us on
13 11 84.
We've partnered with AIA Australia to offer you insurance cover that aims to give you more financial security through life's ups and downs.
With 50 years of experience, AIA Australia's innovative insurance solutions focus on protecting your future.
If you get sick or injure yourself and can't work for a while, our Income Protection insurance supports you with monthly payments while you're getting better.
It can help pay your mortgage, car loan, school fees and other bills, as well as day-to-day living costs.
You can apply for cover that replaces up to 75% of your income plus up to 25% of your super.
For full details, please read our Super Savings Insurance Guide.
Do you also need Total & Permanent Disability insurance or Death insurance?
Unfortunately, there are some things that you're not covered for. This includes if the injury or sickness is caused, wholly or partly, directly or indirectly, from:
Limited cover
If you have Opt-In Income Protection or White Collar Income Protection, some extra limitations may apply (limited cover).
It means you're only covered for a sickness or injury that started on or after the date your cover began.
Limited cover applies for the first 24 months, and then for 30 days in a row after this you'll need to meet some extra rules around being at work.
You can’t claim a tax deduction when you pay premiums from your super account. But your insurance premiums may offset your 15% contributions tax liability.
For benefits, generally the ATO treats income protection benefits as taxable income and they’re subject to Pay as you go (PAYG) tax.
If tax applies, our insurer will send you an income statement at the end of the financial year.
The cost of cover depends on the type of Income Protection cover you choose. Premiums will also be based on things like your:
With insurance in super, we’ll set up payments for premiums from your Super Savings account each month.
Payments won’t come from your bank account, so they won't impact your take-home pay. But it means less in your super for retirement.
Have peace of mind knowing you can pay the bills if you get sick or injured. Get your insurance sorted today.
Need Tailored Income Protection? Get a quote
