Income Protection

Workability Insurance

Workability Insurance will help you to get back on your feet and earning again, if you're unable to work due to sickness or injury.

What is Workability Insurance?

Workability Insurance is designed to help restore your ability to work, supporting you with monthly payments if you're not eligible for ACC payments. It can also provide assistance with rehabilitation and retraining.

Workability Insurance benefits

Rehabilitation and retraining support

We'll help you get a plan in place for your recovery and reimburse you for your approved rehabilitation, retraining or support costs subject to policy limits

Short term support

Pays a lump sum if you are diagnosed with a terminal illness. You can use the money for your immediate care and help to plan a secure future for your family

Long term support

Pays you a monthly benefit once your short-term support benefit has expired and your disability means you're unable to earn at least 75% of your pre-disability income in a role based on your existing education, training and experience

Transition support

If you need to change jobs because of your disability we'll reimburse you up to $2,000 for costs that come with you securing the new role, for example new work clothes, equipment or tools

ACC continuation

If ACC declines your claim, or stops paying your weekly compensation we'll assess your claim under our criteria

Premium waiver

We'll waive your premiums if you're disabled and you're receiving a Short-term or Long-term support benefit

Inflation adjustment

Each year your sum insured can be increased without the need for further medical or financial underwriting

Income update

If you're younger than 55 years, you're not currently receiving a benefit under this policy and premiums aren't being waived, then you can increase your monthly benefit each policy anniversary by up to 10%. This can come in handy if you've had a pay increase at work

Premium and cover suspension

We can suspend your cover and premiums for a minimum of 3 months and a maximum of 12 months if you meet the criteria

Optional benefits you can choose to include:

  • Increasing claim
  • Kids Cover

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.

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