Income protection could help replace part of your income if you’re unable to work due to partial or total disablement.

Protect your income

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Unexpected circumstances can sometimes stop you from going back to work. That can lead to stress and, potentially, a big financial set back.

Income protection (IP) cover can replace up to 75 per cent of your monthly income – alleviating the stress and making your time off easier.

We have existing relationships and bulk buying power with insurance providers, which means we’re able to offer competitive policies that may not be available to you as a public customer approaching a broker or insurer.

And for many members, this may mean a higher level of cover at a cheaper price than they would receive through retail insurance.

Your premiums are automatically deducted from your super account balance, so you don’t need to worry about paying for it out of your existing budget.

To access income protection with us, at a minimum you must be a member aged between 15 and 65 and gainfully employed for at least 15 hours a week.

If you’re eligible for insurance through Aware Super, you can apply to transfer any Life, Total and Permanent Disability (TPD) or IP insurance you have with another super fund or insurer, even if you don’t yet have this insurance with us. 

I want to speak to someone who can help me apply for IP cover

How much does it cost?

The cost of your cover is calculated based on your age, insurance rating, how much cover you want, and a few other factors.

We offer three types of benefit period: two years, five years, and up to age 65. For each benefit period, you can choose between a 30, 60 or 90 day waiting period.

There are ways to reduce the cost of your premium. For example, if you have a few weeks of annual leave up your sleeve, consider choosing the maximum waiting period of 90 days.

Finding the right level of cover is a personal choice that comes down to balancing how much you can afford right now, and how much you would need if you were unable to work due to disability to maintain a level of financial normality.

I want to calculate what level of protection I need

Keep adding to super with income protection

Depending on the type of cover you select, you can choose to receive 50% or 75% of your monthly income paid directly to you, as well as 10% of your monthly income paid as a contribution into your super account.

That means you’re not only covered for your daily essentials right now: you’re also adding to your future retirement savings.

Consider speaking to one of our Super Advisers before making an application.

A super adviser can look at your overall position and help you work out the most cost-effective way to protect your future against the unknown.

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What you need to know

NSW Police Officers and Ambulance Officers have specific insurance arrangements. The information provided on this page does not include these insurance products.  

For or all the terms and conditions and restrictions view the Insurance Member Booklet Supplement relevant to you.