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How it works

  • Can replace up to 75% of your regular income if you’re unable to work due to illness or injury
  • Customise your protection level, waiting period, benefit payment period and the portion of your income to insure
  • Premiums are generally tax deductible, depending on your circumstances

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Talk to your financial planner to ensure your insurance meets all your needs and discuss customising your insurance to suit you.

If you don’t have a financial planner, you can talk to one of ours.

  • Make an appointment for a complimentary, no-obligation meeting with a professional financial planner
  • Call 1300 131 103, 8am to 7pm (AEST) business days
Make an appointment

Three levels of income protection

With Income Care and Income Care Super you are covered for total and partial disability benefits, providing monthly payments even when you're working at reduced capacity due to illness or injury.

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
  • Unemployment Cover Benefit1 – helps cover minimum monthly loan repayments for up to three months.Not available with Income Care Super.

 Includes all Income Care benefits, plus:

  • Extra rehabilitation expenses
  • Specific injuries
  • Medical crisis benefits
  • Family support
  • Home care
  • Transport

Insures against accidents only, at a discounted premium.

Business Overheads

  • For self-employed people who don’t work from home and small business owners with no more than five employees
  • 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 
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Related products

Life Care

Provides your beneficiaries with a lump-sum payment in the event of your death or on diagnosis of a terminal illness with less than 12 months to live.

Learn more

Total and Permanent Disability

Provides a lump sum to use at your discretion if you're unable to work for at least three months due to illness or injury. Includes a range of benefits to help make life easier.

Learn more

Trauma

Trauma insurance helps cover the medical costs and lessen the severe lifestyle changes that result from any of 48 major illnesses or injuries, including heart attack and stroke.

Learn more

Talk to us

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.

Income Protection, LifeBusiness OverheadsTotal and Permanent Disability (TPD) and Trauma 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 Mutual Superannuation Pty Ltd 56 006 831 983 AFSL 235025, the Trustee of the Colonial Super Retirement Fund ABN 40 328 908 469 (the Fund). CMLA is responsible for the administration of the fund 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.

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