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Income Protection

Disability Insurance

Disability Insurance Disability insurance can mean different benefits, depending on the insurance solution you use.  There are disability insurance solutions that will pay you a lump sum benefit, and there are some that will pay you a monthly benefit, and there are some that will pay you a combination of both. In the context of this article, I will be talking about Income Protection also known as disability insurance and the fine print around claiming a partial disability benefit. What is Partial Disability? Partial disability is where you have to work lesser hours because of sickness or accident, that usually [...]

2018-07-20T10:25:16+12:0020/07/2018|Categories: Blog, Income Protection|Tags: , , , , |
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What is Income Protection Insurance?

WHAT IS INCOME PROTECTION INSURANCE? Income Protection Insurance will replace your income when you are unable to work because of sickness or accident and is normally it is paid as a monthly benefit. It’s designed to ensure that you can still afford to meet your household expenses and financial obligations while you are unable to work, and will continue to do so until your policy expires or you can return to work. HOW DOES INCOME PROTECTION INSURANCE WORK? Regardless of whether you have an accident at work or away from work, or a sickness stops you from working, money is [...]

2017-04-26T09:28:40+12:0026/04/2017|Categories: Blog, Income Protection, Personal Insurance|Tags: , , , , |
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Getting the best ACC Cover

If you are self-employed, then choosing the correct ACC Cover is vital for own personal long term protection.  Most of us will just accept the default option or not consider the longer-term benefits of each ACC Cover Option. Did you know you have two ACC Cover options? That's right, there are 2 very important and distinctive ACC Cover options for self-employed.  Each option does its own job and works in a different way at claim time. What you get from your ACC Cover at claim time depends on what you do now and how you set it up. What you [...]

2015-08-21T23:47:51+12:0021/08/2015|Categories: Blog, Business Insurance, Income Protection|Tags: , , , |
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Disability Income Protection Explained

Income protection products replace some of your income if you become too disabled to work, and you remain disabled for longer than your chosen waiting period. You do not need to be permanently disabled to claim on a disability income protection product; periods of temporary disablement are also covered - in fact most claims against disability income products only last for a relatively short time period. The good news is that even when you have recovered sufficiently to return to work, the cover remains in place in case you have a recurrence of your previous disability, or even suffer a [...]

2015-01-09T00:49:39+13:0009/01/2015|Categories: Blog, Income Protection, Personal Insurance|Tags: , |
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