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What is Income Protection, Salary Continuance or Total & Temporary Disablement (TTD) cover?

If you temporarily cannot work because of a disability, injury or illness, you may be able to claim Total and Temporary Disablement (TTD) benefits. Salary continuance or income protection benefits can also provide financial support if you are unable to work.


Can I claim?

To claim income protection you will need to provide medical evidence that your illness or disability has stopped you from working or earning an income. Your disability does not need to be caused by work.

Income protection benefits are only paid for a defined period, usually between 2 to 5 years. Depending on your coverage, there may be some policies that will pay benefits up to age 65 or older. The policy will generally pay a percentage, commonly 75%, of your usual wage or salary. This, of course, varies from case to case, so it is important that you enlist the help of a legal professional to determine your correct entitlements.

You may also be able to claim even if you can perform a different job to your usual occupation, and it is costing you money. For example if you are only able to work part-time, and you were employed as a full-time employee prior to the disability, injury or illness, you may be able to claim the difference.

What is the waiting period?

There are always waiting periods that apply before you can claim payments. These waiting periods can differ significantly depending on your policy, and generally can be anywhere from 14, 30 or 90 days, or even longer.

How much will I get?

This will depend on the coverage you have and anything that is listed as exclusions on the fine print of your policy statement. Things that can be excluded from payments may include overtime or penalties, along with other allowances. It is always crucial to check that you are getting paid the right amount.

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