- Completed Medical Statement completed by a medical practitioner.
- Completed Medicare/Pharmaceutical Benefits Scheme form.
- Completed Employer’s Statement.
- Evidence of your income (tax return for the 12 months prior to the date of your sickness or injury, including notice of assessment)
- Proof of identification (birth certificate, drivers license or passport).
- Any other evidence in your possession to support your claim including, if available, your job description.
How to make an Income Protection Insurance Policy claim
What happens after you make your claim
For the Redundancy Benefit, you can be paid for up to 3 months on any one claim, as long as you continue to be involuntarily unemployed during that time.
For the Disability Benefit, 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 1-2 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 Life Insurance PDS 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, or, if you’ve been made redundant, you continue to not be employed during that period.
Starting from the date the medical practitioner gives you your diagnosis, a 30 day waiting period applies, and from then payments are made monthly in arrears. In other words, 60 days after you stop work, you’ll receive your first payment for the 30 days prior.
For the Disability Benefit, stopping work must be due to sickness or injury. For the Redundancy Benefit, it’s due to becoming involuntarily unemployed, and you must remain unemployed while actively seeking employment during that entire 30 day waiting period (some extra conditions apply – make sure you read the Life Insurance PDS 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 in between claims then you will commence a new claim and the benefit period will restart.
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