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How it works

  • When you’re totally disabled
    Generally receive up to 75% of your pre-disability income when you’re unable to perform all or part of your occupation due to injury or sickness.
  • When you’re partially disabled
    Receive a payment to help top up your income if you’re disabled but can still work.
  • When you’re permanently unable to work
    Receive up to 100% of your pre-disability income, if you’re totally disabled by a serious medical condition as defined in the CommInsure Protection PDS. 


Learn more

For more information talk to your financial planner and ask for a PDS which describes the benefits in full. If you don’t have a financial planner, we can help you to make an appointment with a professional financial planner for a complimentary, no obligations meeting.

Customise your insurance

  • Choose your protection level, waiting period, benefit payment period and the proportion of your income to insure – so you can get the features you need, without paying for those you don’t. Premiums are generally tax deductible, depending on your circumstances
  • Choose between cover inside and outside super
  • If you have a self-managed super fund, the SMSF Plan provides comprehensive cover designed to suit the unique needs of SMSFs
  • Talk to your financial adviser to tailor your cover for your needs and your budget – or call us on 13 1056 8am to 7pm (Sydney time)

Four levels of income protection

Our standard cover outside super, providing up to 75% of your income if you’re unable to work due to injury or sickness, including both Total and Partial Disability benefits.

Optional extras:

  • Recurrent Disability Benefit – avoid waiting period for recurrence of the same or related sickness or injury
  • Reward Cover Benefit – up to $100,000 Accidental Death Cover at no extra cost after three years or more of cover
  • Rehabilitation Benefit1 – helps cover the cost of an approved rehabilitation program for up to 12 months if totally disabled
  • Involuntary Unemployment Cover Benefit1 for CBA Group loans – helps cover minimum monthly loan repayments for up to three months.

1 Not available on a policy inside super.

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All the benefits of Income Care cover, plus 11 extra benefits — including Crisis, Family Support, Home Care, Transport and Rehabilitation Expenses.

These benefits are not available on a policy inside super.

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All the benefits of Income Care Plus, plus Total and Permanent Disability cover but with a three-tier definition of Total Disability that allows you to claim the Total Disability benefit even if you’re working in a reduced capacity and a more flexible waiting period for waiting periods of 3 months or less.

Income protection cove for accidents only providing up to 75% of your income if you’re unable to work because of an accident.

Business overheads

  • For self-employed people who don’t work from home
  • Helps pay the regular fixed operating expenses of your business if you can’t work due to sickness or injury
  • 10 per cent discount on the annual Business Overheads premium when you package it with Income Care or Income Care Plus 
Learn more

Related products

Life Care

This cover can provide a lump sum payment to your beneficiaries in the event of terminal illness that leaves you with fewer than 24 months to live.

Learn more

Total and Permanent Disability

This cover pays a lump sum of up to $5 million if you’re totally or permanently disabled. It’s part of our tailored insurance range.

Learn more


This cover pays a lump sum if you’re diagnosed with any one of our defined trauma conditions such as cancer, heart attack or stroke.

Learn more

Important information

1Not available with Income Care Super

Please refer to the relevant Product Disclosure Statement for full details of these benefits and when they are payable. This advice (including the statements on taxation which are based on present taxation laws, rulings and their interpretation) has been prepared without considering your objectives, financial situation or needs. Before acting on it, consider its appropriateness to your circumstances. You should seek advice from your taxation adviser in relation to taxation matters. LifeTotal and Permanent Disability (TPD)Trauma Cover, Income Protection, and Business Overheads form part of CommInsure Protection. CommInsure Protection is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA) and Colonial First State Investments Limited ABN 98 002 348 352 AFSL 232468 (CFSIL), the Trustee of the Colonial First State FirstChoice Superannuation Trust (FirstChoice Trust) ABN 26 458 298 557. CMLA is responsible for the administration Total Care Plan Super and provides insurance benefits to the fund as insurer. CMLA and the Trustee are wholly owned subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124. Commonwealth Bank of Australia does not guarantee the obligations or performance of CMLA or the Trustee or the products they offer. A Product Disclosure Statement (PDS) describing CommInsure Protection is available online, from your Commonwealth Financial Planner or by calling 13 10 56 (from overseas, call +61 13 10 56) and should be considered in making any decision about these products. Commonwealth Financial Planners are representatives or authorised representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169 AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.

CMLA has entered into a Joint Cooperation Agreement with AIA Australia Limited (AIA) and Commonwealth Bank of Australia (CBA) for the joint operation of the CMLA and AIA businesses. AIA is part of the AIA Group, the largest publicly listed life insurance group in the Asia Pacific region with a presence in 18 markets. Whilst CBA will remain the ultimate shareholder of CMLA, under the terms of the Joint Cooperation Agreement AIA will have an appropriate level of direct management and oversight of the CMLA business.

CMLA’s Privacy Policy

As part of operationalising the Joint Cooperation Agreement, CMLA has adopted the AIA Australia Group Privacy Policy.