How We Support Your Income Protection Claim From Start to Finish
From initial policy assessment to securing monthly payments, we manage the entire complexity of your claim so you can focus on recovery.
98.4% Success Rate
$100M+ Recovered
500 clients + assisted
Who Is Eligible?
Strategic Consultation & Policy Audit
We begin with a detailed consultation and our proprietary HearMe technology to capture your health challenges.
We then review your income protection policy in detail — benefit amounts, waiting periods, definitions, exclusions and requirements — and identify exactly what evidence is needed to demonstrate your capacity to work and eligibility for benefits. We go after the MAXIMUM available by choosing the correct dates. For example, we may be able to back date claims from before people reduce their hours and claim those reduced hours as well.
Build Your Claim & Coordinate Medical Evidence
We coordinate with your doctors and employer to gather the necessary medical and financial proof. Our team drafts your claim to ensure it accurately reflects how your condition impacts your ability to work.
⭐ Typical Document Checklist
Medical: Specialist reports, medical statements, and certificates of capacity.
Financial: Recent payslips, tax returns (PAYG), and employer statements or job descriptions.
Our Role: We manage the entire collection process to prevent delays and ensure your claim is presented clearly and accurately.
Lodge, Manage & Advocate
Once your claim is ready, we lodge it and take over all insurer communication.
We respond to questions, manage follow-ups, escalate delays when necessary and ensure the insurer has everything required — keeping your claim moving fairly and efficiently.
Monthly Payments & Financial Guidance
When your claim is approved, your monthly benefit payments begin.
We guide you through the first-payment process and help you understand what the insurer will require going forward.
We also offer a referral to Health & Finance for guidance on:
● tax treatment of income protection payments,
● budgeting during reduced capacity, and
● long-term financial planning during recovery.
What is Income Protection Insurance?
Income protection insurance provides regular monthly payments — typically up to 75% of your pre-disability income — if you cannot work due to illness or injury. It is available through superannuation funds or as a standalone retail policy, and payments continue for a defined benefit period or until you can return to work.
The 3 Stages of Approval
Policy Review & Evidence Gathering
We review your policy terms, identify what evidence is needed, and coordinate with your doctors to build a strong claim file.
Claim Lodgement & Insurer Liaison
We submit your claim, handle all insurer queries, and manage ongoing communication to prevent delays.
Monthly Payments Commence
Once approved, regular payments begin. We monitor for any insurer reviews or reassessments.
Why Professional Claims Support Matters
Insurers often request extensive documentation and can delay or reduce payments based on how evidence is presented. Our experienced team breaks down complicated policy wording into clear steps, gathers and organises all medical and employment evidence, and acts as your advocate in all insurer communications. We have supported hundreds of Australians through successful income protection claims — from partial disability benefits to total disability payouts.
Q. How much will I receive from income protection?
Most policies pay up to 75% of your pre-disability income. The exact amount depends on your specific policy terms, including any offsets for other income or government benefits you may receive.
Q. Can I claim if I am working reduced hours?
Yes. Many policies include partial disability benefits if you can work in a reduced capacity. You may receive a proportional payment to cover the gap between your reduced earnings and your pre-disability income.
Q. How long does an income protection claim take?
After your policy’s waiting period (usually 30–90 days), the insurer typically takes 4–8 weeks to assess your claim. Delays are common when evidence is incomplete — which is why professional preparation matters.
This guide was reviewed for medical and insurance accuracy by ClaimRight Advocacy Team.
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