Income Protection
All income protection policies are different and the terms and conditions vary between each one. It can be difficult to understand what you are entitled to receive as the fine print can make no sense. If you believe you have a claim for income protection, you should seek legal advice as soon as possible.
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If you are unable to work because of injury or illness, you may be entitled to income protection insurance benefits through:
- Income protection insurance you hold
- Your bank mortgage
- Under your policy of superannuation
- Your employer may hold a separate income protection policy on your behalf.
Income protection insurance can provide ongoing wage payments when you can no longer work due to injury or illness. How long you receive income protection depends on the policy and can range from 2 years up to retirement.
Making an income protection claim
Lodging an income protection claim can be a complicated process, have many delays and the insurer is always looking for ways to decline your claim.
You can choose to make a claim yourself however many people chose to make an income protection claim with the assistance of an income protection lawyer who knows the ins and outs of the system and is able to deal with the insurance company on your behalf.
What benefit do I get from income protection insurance
Usually income protection insurance pays your weekly wage up to about 75% of your pre-injury or illness salary. It does vary depending on your policy.
How long can you receive this benefit for?
There are also restrictions on how long you can receive such benefits for, age limit restrictions and if you can receive payments if you have resigned or been terminated from your employment. Each policy is different so you need to obtain a copy of the income protection policy from the insurer to determine what your benefits may be.
Can I receive workers compensation and still receive income protection?
Usually yes, you can receive both payments however usually there is a clause in the insurance income protection cover that reduces or offsets the amount of workers compensation you are receiving.
What happens if my insurer refuses to pay my claim?
It is common for insurers to refuse to pay an income protection claim. The insurer will find any way possible to decline a claim either by relying upon the fine print in the insurance policy or by finding a doctor who says that you are unfit for work despite your injury or illness.
Income protection claims are also regularly declined based on non-disclosure of important factors. If an insurer believes that you fail to disclose a relevant factor which in their mind would have prevented them from offering you insurance in the first place they can decline your claim.
We have found that insurers tend to decline claims when they are valid and we can challenge those decisions and obtain the income protection for our clients.
What legal costs are payable?
In most income protection claims, we provide a “No win – No fee” costs agreement which means you do not have to pay our legal fees until and unless you are successful in obtaining compensation for your claim.
Should you wish to discuss an income protection insurance claim please do not hesitate to contact us on Ph: (02) 8518 1120 or email:
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I cannot speak highly enough of my experience with this workers Compensation team. When I first reached out, I was completely overwhelmed and unsure about the process. I hit rock bottom - unable to return to work, struggling emotionally, and feeling like I had no direction. From the very beginning, the solicitors were nothing short of amazing. They were patient, understanding and incredibly supportive at a time when I needed it most. They took the time to explain every step in a way I could understand, never making me feel rushed or alone. Their professionalism was matched only by their compassion and that combination made all the difference. Throughout the entire journey, I felt heard, respected and genuinely cared for. They fought for me when I didn’t have the strength to fight for myself and thanks to their dedication, I was able to get the outcome I needed to rebuild my life. If you’re unsure, scared or feeling lost like I was, I can confidently say you will be in the best hands with this team. They helped me through one of the hardest chapters of my life, and I am truly grateful. I can’t thank or recommend Garling & Co Lawyers enough.
Matthew Garling and his team have provided incredible support and guidance throughout my MVA damages claim this year, and I can’t thank them enough for making this journey feel like such a breeze. When I initially engaged Garling & co, I had no understanding of what was ahead. I was anxious and unsure about the process, while also navigating the physical challenges of my injuries. With assurance that my matter was being handled with high level of expertise, professionalism and integrity, I was able to focus on recovery instead. Throughout the process, Matthew and Allison have been honest, straightforward and efficient in all communication; being a supportive buffer in all dealings with the insurer, and consistently committed to a successful outcome. The outcome was excellent, and it is with huge relief and great thanks that I can put this matter behind me. I would highly recommend the services of Garling and co for any injury claims of a similar nature, and I’m forever grateful to Matthew and his team.
A big thank you to Matthew for his expertise, dedication, and genuine care in handling my matter. The outcome exceeded my expectations, and I am truly grateful for the excellent work of his entire team. Outstanding results - highly recommended.
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Income Protection
All income protection policies are different and the terms and conditions vary between each one. It can be difficult to understand what you are entitled to receive as the fine print can make no sense. If you believe you have a claim for income protection, you should seek legal advice as soon as possible.Read the latest news in Superannuation
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