Government agencies & regulatorsFree Verified
Australian Financial Complaints Authority (AFCA)
Free, independent complaints service for disputes with super funds and insurers, including TPD and income protection.
Covers: National
What applies to me?
Your plain-English action plan
Step 1 · Your situation
Step 2 · Your state or scheme
Step 3 · Your next steps
Can I access income protection through my superannuation?Australian Capital Territory
In one sentence
Some super funds include income protection that pays a monthly benefit — but WorkCover payments may reduce it.
Your next steps
- 1Call your super fund and ask what insurance you hold.
- 2Request the product disclosure statement for your cover.
- 3Lodge a claim even if you are unsure about offsets.
- 4Speak with a super lawyer or AFCA if refused.
- 5Contact WorkSafe ACT (13 22 81) for free information about how the ACT scheme applies to you.
- 6If you disagree with a decision — Disputes can be referred to conciliation and arbitration, and proceedings may be brought in the ACT Magistrates Court.
- 7Watch the time limits — Claims should be made as soon as possible.
- 8Consider getting independent legal advice before signing anything or accepting a settlement.
How ACT works
- Weekly payments
- Based on pre-incapacity weekly earnings, stepping down after 26 weeks, and generally continuing while you have reduced capacity until retirement age.
- Medical expenses
- Reasonable medical and related treatment costs are covered.
- Permanent impairment
- Lump sums for permanent loss or impairment are payable based on a table of maims or a WPI assessment.
- Free legal help
- Legal Aid ACT, unions and community legal centres can help.
Questions you may have
I left my job. Am I still covered?
Cover may continue for a period after you stop work or the account becomes inactive. Check the policy and your fund.
Is income protection taxed?
Income protection benefits are generally taxed as income. Get tax advice for your situation.
Can I claim both TPD and income protection?
Often yes, they are different benefits. The policy terms decide.
Support available to you
Government agencies & regulatorsFree Verified
Fair Work Ombudsman
Information about workplace rights, dismissal and pay. Fair Work Commission deals with unfair dismissal and bullying applications.
Covers: National
Financial counsellingFree Verified
National Debt Helpline
Free, confidential, independent financial counselling to help with debts, bills and hardship.
Covers: National
Government agencies & regulatorsFree Verified
Services Australia – Disability, Sickness and Carers
Centrelink line for the Disability Support Pension, sickness-related payments and carers.
Covers: National
Government agencies & regulatorsFree Verified
WorkSafe ACT
ACT work health and safety and workers compensation regulator.
Covers: ACT
General information only. Rules change and depend on your circumstances. Check with your regulator or get independent legal, financial or medical advice about your situation.