Income Protection for Casual Workers

We've narrowed down 16 income protection policies that cover casual workers and part-timers.

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As a part-time or casual worker, income protection will pay you a portion of your regular earnings to help you get by till you're recovered from your injury or illness and can return to work.

3 key conditions include:

    1. Minimum hours worked in a week. Most policies will require you to work 20 hours a week to qualify for cover.
    2. Minimum weeks worked in a year. Some policies will require you to wotk a minimum of 48 hours per year.
    3. Age restrictions. Some policies will enforce a stricter age limit e.g. 18-59.

    Who covers part-time or casual employment?

    ProviderRequired employment statusMinimum hours*Apply

    Nobleoak logo

    Not stated20 hoursGet quote

    AAMI insurance logo

    Permanent and part time20 hours

    Get quote

    Insuranceline logo

    Permanent and part time20 hoursGet quote

    Suncorp Insurance logo

    Permanent and part time20 hoursGet quote
    HBF_life_insurance_logoPermanent and part time20 hours

    More info

    Zurich Income Protection logo

    Permanent and part time or technically casual20 hours

    More info

    AIA Life Insurance LogoPermanent part time20-25 hours

    More info

    Asteron Life Insurance Logo

    Permanent and part time20-30 hours

    More info

    BT Life Insurance LogoNot statedNot stated

    More info

    Clearview Income Protection LogoGainfully employed20 hours

    More info

    Picture not describedPermanent and part time20 hours

    More info

    MLC Life Insurance LogoPermanent and part timeNot Stated

    More info

    OnePath Life Insurance LogoPermanent and part time20-30 hours

    More info

    TAL Life Insurance LogoNot stated20 hours

    More info

    *Can vary depending on the type of occupation. Always consult the Product disclosure statement (PDS) if you are unsure.

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    Can I get income protection insurance when I work less than 20 hours per week?

    Yes. While it is typical for income protection policies to require one to work at least 20 hours per week, there are still other options available. Zurich Ezicover, for example has a special level of cover for those who work less than 20 hours per week, and Onepath Living Expenses Cover can cover those who may not be working enough hours to qualify for standard income protection insurance.

    If you work less than 20 hours per week, you may be able to get cover under "homemaker" income protection policies, but should make sure that working on a casual basis does not disqualify you from "homemaker" status with a certain policy.

    Part-time and casual income protection for different occupations

    Depending on your job, your income protection insurance will have different benefits and requirements. Insurance providers categorise occupations based on risk level and it’s important to know which category your job falls into. Some occupations such as farming are also susceptible to unpredictable income fluctuations, and you should ensure that you have good income protection insurance to help cover these unexpected shortfalls. Learn more about income protection insurance to make sure you have the best cover for your job.

    Can I get income protection as a stay-at-home-parent?

    Stay-at-home parents or 'homemakers' can also claim income protection. A growing number of insurers in Australia are recognising homemakers as eligible recipients for income protection benefit payments. Insurers recognise the financial strain of losing a homemaker as it often results in needing to pay for the services of a professional worker to carry out day-to-day tasks. For single parents, injury or illness can mean that they can’t care for their children.

    The BT Income Protection plan, for example, provides a benefit payment of up to $5,000 per month for up to two years if the homemaker is unable to perform normal home duties as a result of serious illness or injury.The BT Protection Plan also allows homemakers to take out a Children's Benefit under the income protection plan for homemakers. This insures their children for a lump sum amount in case of major medical events. In order to qualify for the Home Duties benefit which covers work around the house, applicants must be engaged in at least 20 hours of work per week.

    Tips for finding the right income protection policy

    1. Look at the cost of the plan and make sure you can afford the premiums
    2. Check to see which providers offer cover for part-time workers and how many hours you need to be working to get it
    3. Compare the maximum coverage levels available with different providers to find a plan that offers you a good level of security. You may have a preference for a lump sum payment, or for ongoing payments
    4. Compare the benefit periods and the waiting times available with different providers to find one that works for your savings and income
    5. Consider cover from a range of different providers. Rule out the insurance companies that don’t have plans you’re eligible for
    6. If you’re having trouble finding the best option, use the Income Protection Insurance Finder to compare a wide range of options and find the best cover for your situation.

    Compare income protection quotes from these direct brands

    Tip: If you want to compare policies side-by-side, simply click the 'Compare' tickbox. Then select 'Get a quote' to get started.

    Name Product Minimum Hours Eligibility Maximum % of Income Covered Maximum Entry Age Maximum Monthly Benefit Apply
    AAMI Income Protection
    NobleOak Disability Income Insurance
    First 24 months: $30,000. Thereafter: $25,250
    Suncorp Income Protection
    Insuranceline Income Protection

    Compare up to 4 providers

    Make an enquiry for income protection as a casual worker

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