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?Northern 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 NT WorkSafe (1800 019 115) for free information about how the NT scheme applies to you.
- 6If you disagree with a decision — Disputes go to mediation first, then the Work Health 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 NT works
- Weekly payments
- Based on normal weekly earnings for the first 26 weeks, then a reduced percentage, with caps that depend on your circumstances.
- Medical expenses
- Reasonable costs of medical, surgical and rehabilitation treatment are covered.
- Permanent impairment
- Lump sum compensation is generally available for permanent impairment of 5% WPI or more.
- Free legal help
- NT Legal Aid, 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
Government agencies & regulatorsFree Verified
NT WorkSafe
Northern Territory regulator — information about the Return to Work scheme.
Covers: NT
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
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.