Income Protection for Casual Workers

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7 of 22 results

Minimum Hours Eligibility	Maximum % of Income Covered	Maximum monthly benefit	Average Claims Acceptance Rate	Sum insured
Promoted AAMI Income Protection	20	Up to 75%	$10,000	Data not available	$222 million	Get quote View details Compare product selection Compare	loading
Promoted TAL Accelerated Protection Income Protection	20	Up to 70%	$30,000	Data not available	$1,305 million	Get quote View details Compare product selection Compare	loading
Promoted Zurich Ezicover Income Protection	20	Up to 70%	$12,000	Data not available	$5 million	Get quote View details Compare product selection Compare	loading
NobleOak Income Protection Finder Award	20	Up to 70%	$30,000	97%	$65 million	Get quote View details Compare product selection Compare	loading
Medibank Income Protection	20	Up to 70%	$12,500	Data not available	Data not available	Get quote View details Compare product selection Compare	loading
ahm Income Protection	20	Up to 70%	$10,000	Data not available	Data not available	Get quote View details Compare product selection Compare	loading
NobleOak Income Protection (Pre-existing conditions)	20	Up to 75%	$25,000	Data not available	Data not available	Get quote View details Compare product selection Compare	loading

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Frequently asked questions

• How is my income calculated for income protection as a casual or part time worker?

  Insurers usually calculate your income based on an average of your earnings over a set period like the last 12 to 24 months. This helps them get a clear picture of your regular income despite varying hours. You will need to provide payslips or tax returns to prove your consistent work history and earnings.

• Are income protection premiums higher for casual or part time workers?

  Premiums for income protection can be influenced by several factors including your occupation, age and health. For casual or part time workers, insurers might consider your employment status as a factor due to potential income fluctuations. This could sometimes lead to higher premiums compared to a full time employee with a very stable income.

• Can I get income protection if I have multiple part time jobs?

  Yes, you can. If you work multiple part time jobs, insurers will generally consider your total combined income when determining your eligibility and coverage amount. You will need to declare all your sources of income during the application process and provide proof of earnings from each employer. The aim is to protect your overall earning capacity.

• Is income protection available through superannuation for casual or part time employees?

  Many superannuation funds offer default income protection cover to their members and this can often be an option for casual or part time employees. The eligibility criteria for these policies can sometimes be less stringent than direct policies. However, you will still need to check your super fund's Product Disclosure Statement to understand the terms, conditions and coverage limits that apply to your employment status.

• What happens to my policy if my employment status changes from part time to full time?

  If your employment status changes from part time to full time, it is important to contact your insurer straight away. They will usually review your policy to reflect your new income and work hours. This could mean adjusting your coverage level to match your increased earnings and potentially even lower your premiums as full time employment is often seen as less risky by insurers.