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How to claim income protection

Submit an income protection claim quickly and easily in 3 simple steps.

It's really easy to claim income protection insurance – you just need to get in touch with your insurer, send in a few forms stating why you're too sick or injured to work and then simply wait to hear back.

How to claim income protection

Number 1

Contact your employer and insurer

You should do this as soon as you fall ill or are injured and can't work. Your insurer will then send you the paperwork you need to submit the claim.

Number 2

Fill out the claim form

You will need to fill out a salary continuance report with a statement from your GP, a tax file number declaration form, an income replacement employer report, information regarding your leave and pay history for the previous 12 months and certified proof of age, such as your driver's licence, birth certificate or passport.

Number 3

Wait to hear back from your insurer

Send the completed documentation to your insurer by mail or email. Your claim will be assessed once the waiting period you selected when you took out the policy ends (either 30, 60, 90, 120 or 180 days).

How long do you have to lodge an income protection claim?

  • Time limits do apply to lodging income protection claims (usually 6 months from the time you become ill or injured), so you should lodge a claim as soon as possible after the illness or injury occurs and you are unable to return to work.

How long does a claim take?

  • Your insurer will not begin assessing your claim until your waiting period has been served (between 30 and 180 days). After this, your claim may take several weeks or months to assess, depending on whether further information is required or if the insurer requests further medical testing.

When does an income protection claim pay out?

In order for an income protection claim to be accepted, you must meet either of the following criteria:

  • Total disability. Your insurer will deem you totally disabled if an illness or injury prevents you from being able to perform one or more important duties of your own occupation (duties that involve 20% or more of your job) and you're under regular care and advice of your GP.
  • Partial disability. This is when, because of your illness or injury, you're unable to perform one or more important duties of your own occupation to the same extent as you previously were. To be eligible, you need to be receiving regular care and advice from your GP.

Income protection calculator: How much cover you could get

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Questions you'll be asked during the income protection claims process

You have a duty of disclosure to be truthful to your insurer both when applying for cover and when lodging an income protection claim. These are the typical questions your insurer will ask you:

  • Has your GP confirmed that you are likely to be off work for longer than the waiting period?
  • Have you experienced this or a related condition in the past?
  • What are the duties you perform in your occupation and the approximate time spent performing each?
  • Is it your intention to return to work with the same employer after you recover?

After a claim is processed

What happens if your income protection claim is accepted?

If your insurer accepts your claim, you'll be paid a monthly benefit worth up to 75% of your income into your bank account. The payment will be 1 month in arrears from the time your waiting period ends, for example, after 60 days if your waiting period is 30 days.

Your claim will be reviewed monthly to determine your ongoing eligibility. You'll be required to provide:

  • A doctor’s report every month
  • Undertake periodic independent medical examinations (only if requested by your insurer)

What happens if your income protection claim is rejected?

If your claim is rejected and you don't think it should have been, you can:

  • Request a review of your case by a third party through your insurer's internal dispute resolution team.
  • If it's still rejected and you're not satisfied with the outcome, you can contact the Australian Financial Complaints Authority (AFCA) or the Superannuation Complaints Tribunal (SCT) if your policy is held inside your superannuation.

Compare income protection policies and get a quote today

1 - 6 of 6
Name Product Maximum Monthly Benefit Maximum % of Income Covered Maximum Benefit Period Minimum Entry Age Sum Insured
TAL Accelerated Protection Income Protection
$30,000
Up to 70%
Up to
Age 65
18
$1,305 million
Get up to 70% of your income covered with flexible short and long term benefit periods.
AAMI Income Protection
$10,000
Up to 75%
Up to
5 years
18
$222 million
Take out a new AAMI Income Protection policy and get $100 eGift card after your first 4 months of cover. T&Cs apply. Ends June 30, 2024.
ahm Income Protection
$10,000
Up to 70%
Up to
5 years
18
Data not available
Get 10% off your first year of ahm Income Protection when you apply by 1 July 2024. T&Cs apply.
NobleOak Income Protection
$30,000
Up to 70%
Up to
Age 65
18
$65 million
With NobleOak, you can lock in a policy with a benefit period covering you up to the age of 65. Cover limits may go as high as $30,000.
Medibank Income Protection
$12,500
Up to 70%
Up to
5 years
18
Data not available
Save 10% on your first year of Medibank Life Insurance when you apply by 1 July 2024. T&Cs apply.
Insuranceline Income Protection
$10,000
Up to 75%
Up to
5 years
18
$222 million
Protect your family with an Insuranceline policy and you can go into the draw for a chance to win a $1,000 gift card. New Customers only, T&Cs apply. Competition entries close on 31 July 2024.
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