Income protection cover
Most people insure their house and car, but do you have cover for the most important thing of all – you?
If you get sick or injured and can’t work, your income will likely stop — but the bills will keep coming in.
Income Protection cover pays you a monthly payment for a specified period if you can't work due to temporary disability or illness.
Income Protection cover pays you a monthly payment for a specified period if you can't work due to temporary disability or illness.
Key Income Protection features
- Apply for cover up to 85% of your monthly income (maximum $25,000 per month)
- Choose a maximum benefit period of two years, five years or until you reach age 65
- Choose a waiting period of 30, 60 or 90 days
Eligibility
You are eligible for Income Protection cover if you are:
- actively engaged in full-time, part-time, casual or contract employment
(as an employee or self-employed); and - are performing normal occupational duties.
You are not eligible for Income Protection cover if you are:
- working less than 15 hours per week
- aged 65 or more
- not an Australian citizen or permanent resident
- engaged in an occupation the Insurer does not cover
Insurance guides and fact sheets
Understanding your insurance is an important part of getting the most out of your super.
Insurance cover is provided under the terms and conditions of the Member Product Disclosure Statement and Insurance Guide. An overview of this information is provided in the Your Insurance with MTAA Super fact sheet.
You should read these documents before making any decisions about your insurance.
| Document | Description |
| Your Insurance with MTAA Super (Fact Sheet) | An overview of your insurance options. |
| Insurance Guide | Full details about your insurance options including eligibility, fees, conditions, and exclusions. |
| Member Product Disclosure Statement | Summary of significant information you need to make a decision about MTAA Super. |
If you are unsure about any of the information in these documents, we recommend you seek financial advice.
Apply for Income Protection
You can apply for Income Protection any time via Member SuperSite.
If we need more information about your application, we will contact you to continue our assessment.
Please note: insurance cover is provided under the terms and conditions of the Member Product Disclosure Statement and Insurance Guide. You should consider the information provided in these documents prior to making any decisions to change the level of your insurance coverage.
How to change your cover
You can cancel, decrease, fix, or apply for additional insurance cover any time. The choice is yours. Learn more
How much cover do I need?
Having the right type and amount of cover is vital to ensure you and your loved ones have financial protection if something goes wrong. Learn more
Get the right advice
Not sure what cover you need? Talk to one of our Superannuation Advisers to make sure your insurance meets your needs. Learn more
Related information
- Insurance options
- How much cover do I need?
- Death and Total Permanent Disability (TPD)
- Change, cancel or apply for insurance cover
- Work scales
- Making a claim
- Insurance in Super Voluntary Code of Practice (Transition Plan)