Income Protection for Manual Labourers

Find protective cover if you work as a manual labourer from Australian insurance brands

Manual labour can place great strain on the workers body, not only causing immediate injury but injury that can occur over an extended period of time. Manual workers operate in all sorts of areas of industry, some more dangerous than others and many workers are frequently exposed to situations where they could face serious injury that could force them to take time out of work temporarily or permanently. Some manual labour involves working with potentially dangerous machinery and equipment whereas other types of manual labour can involve a lot of physical work such as climbing, heavy lifting, a lot of bending, etc.
With this in mind, it is important to consider some form of cover to ensure that your loved ones are protected if you are no longer around to provide financial support. This article will discuss the benefits of taking out some form of income protection for manual labourers.

Find and compare life insurance for manual labourers

What risks do manual labourers face?

According to the Government’s harm indexed (record of injury claims for each occupation) labouring is up three times more dangerous than other occupations with 2011 and 2012 seeing more than 25,000 claims for this occupation category. The report also showed that injuries sustained by labourers were three to six times more severe than other occupations. Of the different occupations listed under manual labour, machinery operators and drivers were recognised as being twice as dangerous as the average occupation.

The reports findings also identified key industries that faced the greatest risk of serious injury as:

  • Agriculture
  • Manufacturing
  • Construction
  • Warehousing
  • Postal
  • Transport

How are manual occupations classed by life insurance companies?

Each life insurance company will have different occupation classes that they will use to categorise different occupations in the different types of cover. The occupation class can impact certain aspects of the policy including;

  • The level of cover provided
  • Ability to adjust policy
  • Benefits available
  • Age group that cover is available to

By looking at life insurance provider AIA, one can see how labourers may fall into a number of different occupation categories;

  • B: Occupations that are not white collar and that may involve some light manual work. Such occupations will generally involve a supervisor role or those in totally administrative role in a warehouse, industrial or manufacturing environment. The nature of the work may present slight risk of injury.
  • C: Fully qualified tradesmen who perform a moderate level of manual work. Such occupations may include chefs or electricians.
  • D: Semi-skilled workers and unqualified tradesmen that perform heavy manual work. The nature of the work may involve a significant level of risk. Such occupations of this category would include cleaners or drivers.
  • E: Unskilled workers that perform heavy manual labour where there is a significant level of risk. Occupations of this category may include concreters or earthmovers.

It is always worth checking with your insurer if you are not sure what category your occupation falls under. While it may be tedious, always be sure to check if you are excluded from any cover due to your occupation class.

Types of cover you may consider as a manual labourer

The Australian life insurance market is made up of a number of different types of cover that may be worth considering for your occupation.

  • Life Insurance: Provides a lump sum benefit in the event the insured passes away or is diagnosed with a terminal illness and not expected to live for a period longer than 12 months.
  • Income Protection Insurance: Will provide an ongoing monthly benefit of at least 75% of the insureds income if they are forced to take time out of work due to serious illness or injury. Cover can include additional benefits to cover rehabilitation and nursing expenses as the worker recovers.
  • Total and Permanent Disability Insurance: Provides a lump sum benefit if the worker suffers a total and permanent disablement as defined by their policy. Policy may also include partial disability where the worker is provided a benefit if they are unable to perform their occupation to the same capacity as before.
  • Accidental Death Insurance: Provides cover for death caused by accident only.
  • Accidental Injury Insurance: Will provide cover for injury caused by accident only.
  • Funeral insurance: Will provide a lump-sum benefit, usually to a maximum of $30,000 to cover the immediate costs of a funeral.
    The cost of these different types of cover will vary greatly and reflect the level of cover that they provide.

Steps to compare policies if you work as a manual labourer

There are a number of things that you need to look at when you are comparing life insurance for manual labourers. Some of the areas you should pay careful attention to include:

  • The cost of the cover: You need to ensure that you are able to comfortably afford the premiums so that you are able to keep up with payments on your policy. If you fall behind with payments on your cover you could invalidate it, which is why affordable pricing is so important
  • The type of cover: There are two types of life insurance cover, which are term life insurance and whole life insurance. The first is the more affordable and simple cover, which tends to meet the needs of a wider range of people
  • The level of coverage that you get: You need to determine the level of coverage that you will get for your money and work out whether this is going to be adequate for your needs
  • Policy Exclusions: You should pay careful attention to the details of the plan, including the exclusions, so you know exactly what sorts of situations are and are not covered

Who can apply for income protection?

Income protection insurance is generally available for:

  • Australian citizens or permanent residents
  • Engaged in at least 20 hours of full-time work per week
  • Able to show proof of income

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Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator
Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
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Compare income protection quotes from these direct brands

Product details Maximum cover Maximum Entry Age Cooling-off
Virgin Income Protection
Virgin Income Protection
Cover up to 85% of your income up to $10,000 per month if you can't work due to sickness or injury. Cover for over 1,000 jobs and full-time, part-time and self-employed. $10,000 60 30 Get quoteMore info
NobleOak Income Protection
NobleOak Income Protection
Receive up to 75% of your income each month to a maximum of $25,000 if you can't work due to serious illness or injury. $25,000 59 30 Get quoteMore info
TAL Income Protection Insurance
TAL Income Protection Insurance
Receive up to 75% of your annual income when you suffer an injury or are seriously ill. $30,000 64 30 Get quoteMore info
Insuranceline Income Protection
Insuranceline Income Protection
Cover up to 85% of your monthly income (to a maximum of $10,000). $10,000 60 30 Get quoteMore info
ANZ Income Protection
ANZ Income Protection
Receive up to 75% of you income (up to $10,000 per month) of your income if you're unable to work due to serious illness or injury. $10,000 59 21 Get quoteMore info

William Eve

Will is a personal finance writer for specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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