What's the cut off age for income protection?

Finder research shows the cut-off range for income protection ranges between 55 and 65 in Australia. The maximum age varies from insurer to insurer. We didn't analyse the entire income protection market. Income protection provides cover for up to 75% of your regular income in if you're forced to take time out of work as a result of serious injury or medical condition. Policies can be tailored to include a range of features to give you the right support during your recovery period. Cover for rehabilitation expenses, nursing care and bed confinement are just a few of the benefits available.

Do income protection policies held in super have different age limits and requirements?

The options, maximum entry ages and maximum age limits will vary between individual policies and insurers – both inside super and outside. Each policy should be considered on its own merits. Typically, cover options generally become more limited after age 59 or 60 (and there are some limitations more broadly with insurance held inside super ). If you're planning on working beyond age 65 it's preferable to check your cover as soon as possible and see if you're still protected beyond that age.