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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

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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: info@garlingandco.com.au

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 by phone and email. Please contact our experienced accredited specialist personal injury lawyers to find out how we can help.

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Kimberly B.
23:14 14 Feb 24
Mathew is very knowledgable and has been of great assistance to me. All the staff are friendly and helpful. I'm so happy I found this firm.Thank you Mathew and team for your great work in my case.... I am 100% happy with what you achieved for me.read more
Julie M.
10:16 16 Jan 24
My last stage of Workers compensation claim was managed by Emma Perkins, Natasha Stojanovic, Rebecca Dunshea and Kelli Robinson at Garling and Co. Lawyers who went the extra mile with their service... from the beginning to the end of 3 years of my case. I have become very anxious with almost everything after a workplace injury and a lot of times I probably ask more questions than I need to, but Emma Perkins always finds clear answers to my questions in a short time and explains to me patiently even using her mealtime or between her meeting and make me feel that I have been very well take care and supported. I am so grateful and extremely satisfied. The excellent service, attitude, and culture of Metthew Garling and his team are second to none with a very high success rate. If you going to battle with your workplace injury for a short or long period, you are better off with Garling and Co. lawyers who are able back you up every step of the way. I strongly recommend it to anybody who needs their service like me. Julieread more
patrick P.
01:46 19 Dec 23
I like to say that I had a very wonderful experience,And the support, and also understanding with all my requests,I could not ask for a better team!Thank you Emma and also her assistant Rebecca... thank youread more
Kazi H.
13:38 13 Dec 23
Work cover fund is GOVT’S money but insurer think that it is from their 14th generation. So only they can have it. Not only that, people from the work, IME doctor from insurer, back to work... coordinator from work, Rehab provider from any side push the worker as hard as possible that the worker (doesn’t matter how the workers mental or psychical condition) either go back to his pre injury duty or leave the job.More over on that very bumpy any difficult journey some of them only treat the worker as a MONEY MAKING MECHINE .in some point worker feels like, no rooms to breath. On that moment need someone to support legally, someone to care, someone to relive.On my case I believe that, somehow, I manage to make my God happy. That’s why God sends me to Matthew Gerling and his team Allison, Rebecca and Nathan, and all of GARLING & co Lawyers.I am not good enough in English, can’t express my gratitude.Matthew, Allison, Rebecca and Nathan, please accept my appreciation and pass it to others.read more
Carol L.
01:32 29 Nov 23
Professional, understanding and friendly
Sean G.
23:21 14 Nov 23
Matthew Garling and everyone I spoke to at Garling and Co were kind, caring and compassionate. They were sensitive to my psychological condition and were patient in explaining everything to me, so... that I clearly understood the legal process. I am exceptionally grateful for the settlement outcome that Garling and Co obtained for me. Many thanks.read more
waqas A.
08:33 13 Nov 23
Great Experience with Garling & Co. Matthew explained everything in detail during the first appointment. Allison, Nathan, Rebecca and the staff have been extremely helpful. Thank You to the team and... lawyers at Garling & Co. for making the long process easy for me and getting an excellent outcome for my compensation claim.I would highly recommend Garling & Co. Lawyersread more
Saskia L.
21:42 08 Nov 23
The world of workers compensation is long, hard and confusing, but Emma and Rebecca at Garling & Co always treated my case with kindness, respect and understanding. No question was ever silly and... they always had time to make sure I knew what would happen next and how we could best prepare. I am so thankful for their expertise and could not have chosen anyone better to represent me.read more
Antonio P.
08:46 06 Nov 23
Thank you Matthew and his team for taking care of my case couldn’t ask for a better results and couldn’t have better team to do that thank you
Julie M.
00:40 06 Nov 23
Garlic & Co Lawyers have been wonderful, supporting me through some difficult times. With their assistance, positive outcomes were achieved. Many thanks to the Team.Julie
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