Documents provided must be in English. We may need you to send us evidence of your income; or other relevant documents depending on the nature of your claim. We will discuss this with you when you call us to tell us that you will be making a claim.
MAKE A CLAIM FOR
Income Protection Insurance
How to make an Income Protection Insurance Policy claim
What happens after you make your claim
What you'll need
FIRST
Receive a claims pack
We will send you a claims pack via email or mail with instructions on what you’ll need. Please return the completed claim form and required documents so we can start assessing your claim.
SECOND
Assessment
Our claims team will begin our assessment once we receive your claim form and required documents. We may take between 3–4 business days to assess your claim. However, the length of time can vary depending on the circumstances of the claim, the type, and how quickly we receive everything. We’ll keep you updated on progress of your claim.
THIRD
Decision
If your claim has been accepted, the first payment will be due one month after the claim waiting period Payment are made monthly in arrears.
Income Protection
Frequently asked questions
For the Sickness and Injury cover, it depends on the benefit period you have chosen. Each time you make a claim that’s accepted, you can be paid for up to 5 years, as long as you’re still unable to work due to the sickness or injury during that time.
You can claim as many times as you need over the life of the policy. The payment of benefits is subject to the relevant terms that apply to your policy, including any exclusions or limitations – check out the Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG) to find out more.
A waiting period is the amount of time that must pass before your monthly benefit payments start. It has to be a consecutive number of days that passes in which you’re eligible to be covered by your Income Protection policy; for example you’re injured or sick for that whole time.
From the date of the medical practitioner’s diagnosis, a waiting period applies, and from then payments are made monthly in arrears. In other words, 30 days after the end of your claim waiting period you’ll receive your first payment You can choose a claim waiting period of 14, 28, or 90 days.
For the Sickness and Injury cover, stopping work must be due to sickness or injury. Some extra conditions apply – make sure you read the Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG) for all the details.
If you go back to work during a month you’re claiming, you’ll receive a portion of the monthly amount for the time you weren’t able to work. While you’re receiving your monthly benefit, we’ll let you take a break from paying your regular premiums, so your income isn’t reduced.
If you suffer from the same or related sickness or injury that you have previously claimed for within 6 months of your last benefit being payable, we will recommence benefit payments without applying a new waiting period. These benefits will be added to the remaining benefit period to ensure the maximum payment under the benefit period is not exceeded. If you’ve made a full recovery and there is more than 6 months between claims, then you will commence a new claim and the benefit period will restart.
What you'll need
Documents provided must be in English. We may need you to send us evidence of your income; or other relevant documents depending on the nature of your claim. We will discuss this with you when you call us to tell us that you will be making a claim.