Income Protection Claim

IP insurance pays a financial benefit when you’re temporarily unable to work due to an injury or illness.

You may have taken out IP insurance yourself or you may not be aware that it was provided through your superannuation, bank, lender, or employer. We can help you find out.

At Claimsplus, we understand the difficulties that come with an injury or illness. That’s why we offer a free Income Protection (IP) claim assessment to help you determine your eligibility for benefits through your superannuation.

Am I Eligible for an Income Protection Claim Within My Superannuation?

Your eligibility for an Income Protection (IP) claim within your superannuation depends on the terms of your insurance policy.

1. Active employment: You must be actively employed when you become unable to work due to an injury or illness.
2. Waiting period: Most IP policies have a waiting period, which is the amount of time you must be unable to work before you can start receiving benefits. This waiting period is typically between 14 to 30 days.
3. Evidence of disability: You must provide evidence of your disability and that you are unable to perform the duties of your occupation or any other occupation for which you are suited by education, training, or experience.
4. Policy terms: You must meet the terms and conditions of your policy, including the policy’s definition of disability and any exclusions or limitations.

To understand the coverage of your IP insurance policy, review your IP policy carefully and seek the advice of an expert such as Claimsplus.