Income protection

Get the form!

Employer sponsored members – Go to the back of the Member Booklet Supplement: Insurance for:

  • Application for insurance (FSS 014)
  • Start up bonus cover (FSS 042)

Personal members – Go to the back of the Member Booklet Product Disclosure Statement Personal Members for the:

  • Application for insurance (FSS 014)

Income protection may provide you with replacement income (equal to a percentage of your prior income) if you are temporarily unable to work due to illness or injury.

Are you either permanently employed or self-employed for at least 15 hours per week and between 15 and under 65 years of age? If so you can apply for one of the following income protection options shown in the below, as long as you do not exceed the maximum cover:

Benefit Periods 2 years 5 years or to age 65
Income Replacement Ratio 50% or 75% 50% or 75%
Waiting Period 14, 30, 60 or 90 days 30, 60 or 90 days
Cover for superannuation contributions benefit* 10% of monthly income 10% of monthly income

*The superannuation contributions benefit is paid directly into your account in First State Super and will attract contributions tax.

You do not need to have death only or death and TPD cover to apply for income protection.

Special offer

New employer-sponsored members may be eligible for start up bonus income protection cover.

Start up bonus income protection is a limited account of income protection that you can apply for without providing the extra information ordinarily required if you were applying for additional cover.

We must receive your start up bonus application within 180 days of us receiving your first SG contribution. Other conditions apply.

All applications for income protection are subject to the insurer assessing your evidence of health and personal information. You will be advised in writing of the insurer's decision. While your application is being assessed, you will be eligible for death or disability by accident cover (as applicable). Please refer to the Product Disclosure Statement.