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Injured Workers Compass Australia

Can I access income protection through my superannuation?

Income protection inside super, waiting periods, and how it interacts with WorkCover payments.

Last reviewed

In one sentence

Some super funds include income protection that pays a monthly benefit — but WorkCover payments may reduce it.

What this means

Income protection (sometimes called salary continuance) pays a percentage of your income for a set period if you cannot work because of illness or injury. Some super funds include it.

Most policies have a waiting period before payments start and a maximum benefit period. Many also reduce ('offset') the benefit by workers' compensation payments you receive.

Even if an offset applies, the policy may still pay a top-up or pay after your WorkCover payments stop.

Things to know

  • Check whether your super includes income protection.
  • Look for the waiting period and benefit period.
  • Ask how workers' compensation payments are offset.
  • Claims after WorkCover ends may still be possible.

Common questions

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.

What you can do next

  1. 1Call your super fund and ask what insurance you hold.
  2. 2Request the product disclosure statement for your cover.
  3. 3Lodge a claim even if you are unsure about offsets.
  4. 4Speak with a super lawyer or AFCA if refused.

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.