Income Protection Lawyers

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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Industry Experts: 20+ years of experience

No Win No Fee Guaranteed

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:

Would you like assistance with your claim?

Complete our free, no obligation confidential case assessment form and we’ll get back to you within 24 hours.

Alternatively, we are available to talk through phone and email. Please contact our experienced workers compensation lawyers to find out how we can help.

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You won’t be required to pay any fees until we win your case.

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We’re industry experts with over 20 years of experience.

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Erin & Tom L.
04:25 21 Sep 21
Matthew and his team were so responsive throughout my entire claim. They made sure everything was explained clearly and always responded promptly to my questions. I can not thank them enough for... their more
Moussa I.
14:23 20 Sep 21
Great attitude! they return my call every time I callI'm very confident I will reach something good with garling &co
Dulce L.
08:48 23 Aug 21
Garling & Co have been exceptional. Matthew was always professional attentive clear and concise, I felt up most confidence in his management dealing with my matter always had my best interest. i... highly recommend Garling & Co Lawyersread more
Melissa H
11:53 10 Aug 21
I am grateful to have had Matthew represent me on my motor vehicle compensation claim.After meeting with two lawyers previous to deciding on Garling and co, I was left unsure and confused as to... where I stood regarding my claim. Matthew and Allison were incredibly helpful, put my mind at ease, and took the worry and stress out of an already difficult situation.Through the settlement process they would always keep me informed and made time to answer all of my questions. I am really pleased with the outcome of the settlement.Thank you to the team at Garling and Coread more
Violeta C.
07:30 05 Aug 21
My experience with Garling & Co was great. Matthew was always professional, attentive and communicated in a clear manner. I felt confident in his management of my matter & always had my best interest... in mind.I have no reservation in recommending Matthew & the Garling & Co more
Sonia C.
03:04 05 Aug 21
Ann F.
04:11 04 Aug 21
Professional and helpful
Sunita S.
04:00 04 Aug 21
Overall, I am very happy of their service and also the outcomes of my case.
Glen C.
03:15 04 Aug 21
Mathew was highly personable and easy to talk to .From the outset I had full confidence in his ability and professionalism .Matthew and his team contacted me only as the process required , his... approach was purposeful and effective.I was very pleased with the result.I have no hesitation in recommending him to anyone in need of a more
Teresa M.
03:07 04 Aug 21
Fantastic service. Very professional and prompt.
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