Income protection

Income protection is designed to cover loss of income so you can keep on top of your bills if you’re temporarily unable to work because of illness or injury.

How does LGIAsuper's Income Protection work?

LGIAsuper’s Income Protection insurance provides you with a monthly benefit based on 75% of your pre-disability salary for up to 2 years if you suffer total disability or partial disability.

Benefits are payable monthly in arrears after a waiting period.

What can I do with this cover?

With LGIAsuper's Income Protection you can:

  • be covered for a monthly benefit without having to show medical evidence of good health (limits apply)
  • have the option to change your waiting period
  • be eligible to pay reduced premiums for low risk or professional occupations (subject to other conditions)
  • get a recalculation of your insurance in line with salary increases each 1 July if you work permanently for at least 14.5 hours per week for Queensland local government (including local government entities, water businesses or associated employers)

When does this cover end?

Your Income Protection cover continues until your 65th birthday (or your 64th birthday if you have a 395 day waiting period). This means you can enjoy peace of mind knowing your cover continues from year to year and as you move from one job to another (as long as you remain an LGIAsuper member). There are some circumstances where your Income Protection may end before your 65th birthday. For full details, read our Insurance guide.

Where can I get more information?

For more detailed information about Income Protection benefits read our Insurance guide or check out the Insurance section on our FAQs page.

If you have an LGIAsuper Defined Benefit account, your Income Protection cover is different. For full details on the benefits you receive read the relevant Defined Benefit guide on our PDSs and guides page.