Income Protection Insurance
If injury or illness means that you have had to take time away from your job, the last thing you need is to worry about how you’ll pay your bills. That’s why it’s important to check whether you have an income protection insurance policy.
An income protection insurance policy is there to protect you when you can’t work. You may have taken one out yourself, or be covered through your superannuation fund, your union or another organisation. Most NSW workers do have some sort of cover, so it’s worth checking even if you don’t think you do. Most policies will cover 75% of your salary during the period when you’re unable to work, giving you peace of mind that you can meet your obligations while you recover.
If you’re unsure if you have a policy or a right to claim, come and talk to our experienced insurance lawyers. We’ll help you get a copy of any policies you hold and go through the fine print with you so that you get your full entitlement.
As with any form of insurance, claiming against your income protection policy can be frustrating and complex. There’s often a lot of paperwork involved. The insurer will require evidence of your injuries or illness, including recommended treatment and expected recovery times. You should obtain medical reports and keep all records relating to the issue. Some injuries seem minor at the outset but become chronic. Others never recover fully. You may need ongoing medical examinations in order to keep receiving payments.
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