Income Protection for casual workers

Income Protection for Part-Time and Casual Workers

Are there restrictions for part-time or casual workers looking for income protection?

Income protection covers you if you are unable to work due to injury or illness by paying you a portion of your regular earnings until you’re able to return to work. If you're a part time worker, some of the key conditions include:

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

If you have only a part-time or casual job you need to consider taking action to protect your earnings. This is important, because you may have less savings to fall back on than a full time worker.

Receive quotes for income protection if you work part-time

Please enter your full name
Please enter a valid email address
It's important to give us a valid phone number
Date of Birth
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.
By submitting this form, you agree to the privacy policy
Compare Quotes

Compare income protection quotes from these direct brands

Details Features
Income Protection
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.
  • Monthly benefit up to $10,000
  • Cover for applicants up to age 60
  • 30 day cooling-off period
Go to site More info
Income Protection
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.
  • Monthly benefit up to $25,000
  • Available for applicants up to 59 years old
  • 21 day cooling off period
Go to site More info

Can part-time workers take out income protection insurance?

Yes, part-time workers can take out income protection insurance policies in Australia, but different types of coverage have different employment requirements:

  • AIA: Engaged in permanent part-time work for at least 20 hours per week for 48 weeks per year.
  • OnePath: Be currently working at least 20 hours per week in main occupation and be continuously employed or self-employed for 12 months in Australia or 24 months in New Zealand.
  • </ul>
    While these requirements may vary for part-time workers in Australia taking out income protection, insurance companies will generally require you to work for at least 20 hours per week.

    Back to top<h3 id=" 2="2">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.

    Back to top

    Can I get income protection as a homemaker?

    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. Insurance can help. 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.

    Back to top

    Find the right income protection as a part-time worker

    There are a number of things that you need to consider when you are looking for income protection as a part-time worker. Make sure you cover all the following steps:

    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.

    Make an enquiry for income protection if you work part-time

    Back to top

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.

Was this content helpful to you? No  Yes

Related Posts

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

Ask a question