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Income Protection for Casual Workers

Review 10+ income protection policies that cover part-time employees and casual workers.

What you need to know

  • Casual and part-time employees can still get income protection, but there are more restrictions around it.
  • Most funds need you to be working a minimum of 20 hours to be eligible.
  • You will also need proof of a year or more of steady income.

Conditions of casual or part time income protection

Income protection companies are generally building their products for people who work a traditional full time gig. Which is fine, except there are more people than ever working casual and part time gigs, thanks to capitalism mostly. Especially for young peoplel.

So, if you want income protection as a casual or part time worker, you're going to need to jump some extra hurdles. Here are 3 common rules:

Number 1

Minimum hours worked in a week

Most policies will require you to work 20 hours a week to qualify for cover.

Number 2

Minimum weeks worked in a year

Some policies will require you to wotk a minimum of 48 hours per year.

Number 3

Age restrictions

Some policies will enforce a stricter age limit e.g. 18-59.

Income protection for less than 20 hours per week

You'll notice on the table below that most insurance companies won't cover workers with less than 20 hours a week regularly employment. Despite that, there are some other options available from select insurers. 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.

The exact ways that each company change over time, so you may need to speak to a broker if you don't neatly fit into the box the companies have built. BEcause of course you don't!

Who covers part-time or casual employment?

ProviderRequired employment statusMinimum hours*Apply

Nobleoak logo

Permanent part time20 hours

Get quote

AAMI insurance logo

Permanent and part time20 hours

Get quote

Insuranceline logo

Permanent and part time20 hours

Get quote

Suncorp Insurance logo

Permanent and part time20 hours

More info

TAL logoPermanent and part time20 hours

Get quote

Zurich Income Protection logo

Permanent and part time or technically casual20 hours

More info

AIA LogoPermanent part time20-25 hours

More info

Clearview logoPermanent and part time20 hours

More info

commbankPermanent and part time20 hours

More info

MLC Life Insurance LogoPermanent and part timeNot Stated

More info

OnePath Life Insurance LogoPermanent and part time20 hours

More info

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

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.

Tips for finding the right income protection policy

Number 1
Look at the cost of the plan and make sure you can afford the premiums.
Number 2
Check to see which providers offer cover for part-time workers and how many hours you need to be working to get it.
Number 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.
Number 4
Compare the benefit periods and the waiting times available with different providers to find one that works for your savings and income.
Number 5
Consider cover from a range of different providers. Rule out the insurance companies that don't have plans you're eligible for.
Number 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.

1 - 6 of 10
Name Product Minimum Hours Eligibility Maximum % of Income Covered Maximum Monthly Benefit Average Claims Acceptance Rate Sum Insured Apply
TAL Accelerated Protection Income Protection
20
Up to 70%
$30,000
Data not available
$1,305 million
AAMI Income Protection
20
Up to 75%
$10,000
Data not available
$222 million
NobleOak Income Protection
20
Up to 70%
$30,000
97%
$65 million
Medibank Income Protection
20
Up to 70%
$12,500
Data not available
Data not available
ahm Income Protection
20
Up to 70%
$10,000
Data not available
Data not available
Insuranceline Income Protection
20
Up to 75%
$10,000
95.70%
$222 million
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