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    How does income protection work?

    If you become too sick or injured to work, you may be eligible to receive regular payments while you recover. To qualify, generally you'll need to be unable to perform the key duties of your job, be under ongoing medical care, and not be working or earning an income.

       

    • Injury or illness

      You don’t need to have been injured at work to make a claim. Payments don’t start straight away there’s a waiting period before benefits begin.

    • Temporary income replacement

      IP is designed to replace part of your income while you’re temporarily unable to work due to injury or illness.

    • Return to work

      If you're initially unable to work and later return in a reduced capacity, you may continue to receive a partial disability benefit to help supplement your reduced income while you recover. 

    Who is income protection for?

    Income protection insurance through super is designed for members who rely on their income to cover everyday expenses. Eligibility rules can vary depending on your product and cover. Existing AMP Super members can check their online account and the Insurance Guide for the terms that apply to them.

    Designed to cover temporary periods
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    Income protection is designed to cover temporary periods where you can’t work, unlike Total and Permanent Disability cover (TPD), which is designed for a permanent condition which means you're unlikely to work again.

     

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    How do income protection payments work?

    How payments are made
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    If your claim is approved, payments are generally made monthly in arrears. The amount you receive may be reduced by income from other sources (known as offsets), such as:

    • Workers’ compensation 
    • Government payments related to your illness or injury 
    • Other insurance payments 
    • Sick leave paid at the same time  
    View your income protection details
    How much cover is provided
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    The benefit paid will depend on the IP design applicable to your plan or policy. If your IP cover is based on a percentage of your salary – it’s generally up to 75%. If your cover is based on your salary, any salary changes may affect your cover amount. 


     

     

      

    Eligibility

    Generally, you may be covered if:

    1. You are part of an employer-sponsored AMP Super plan
    2. Your employer has selected IP for your plan
    3. You are employed on a permanent basis


     

    You’re generally not eligible if you are:

    • A casual worker 
    • Outside the eligibility rules set out in your plan or insurance guide 
    • We haven’t been provided your salary information 

    Check if you hold IP cover 


    How to make an income protection claim


    Claims are assessed based on the cover and terms that apply to you, including any waiting period. For full details, check your Insurance Guide.
     

     

    Make a claim


     

    To make a claim, you’ll generally need to show the following:

    • You’re unable to perform the key duties of your job due to illness or injury.
    • You’re under the care of a doctor.
    • You’re not working and earning an income.

    Case study

    Example of working out an income protection payment

    John’s insured income is $100,000, so this is the amount we base his Income Protection payments from. He is covered for 24 months (2 years) and has no superannuation contribution cover. John becomes totally and permanently disabled and claims IP payments.

    After a three-month waiting period, John’s payments are worked out as 75% of the first $100,000 of his salary which equates to $75,000 or $6,250 per month for two years.

    Warning: This example is illustrative only and is not an estimate of the insured amount you will receive or fees and costs you will incur. This example is based on the following assumptions (a) the cover amount remains the same throughout the period and the policy is not cancelled or suspended and (b) No waiting period applies to the policy.

    Need help with insurance

    Not sure what cover you have or whether it's right for you? Speak with a super coach to better understand your options and learn more about your insurance through AMP Super.
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    Frequently asked questions

    The amount you may receive can vary. The benefit paid will depend on the IP design applicable to your plan or policy. If your IP cover is based on a percentage of your salary – it’s generally  up to 75%. If your cover is based on your salary, any salary changes may affect your cover amount.

    No. You may be eligible if you can’t work due to illness or injury, regardless of where it happened.

    Yes. Payments from other sources may reduce your monthly benefit, depending on the source of the payment and the cover that applies to you.

    A benefit period applies to IP cover - this is the timeframe you'll receive IP payments for. Your benefit period is available in your insurance guide or welcome letter. Benefits are paid until the end of the benefit period, or the date you're no longer eligible for a payment, whichever comes first.

    Important information

    Products in the AMP Super Fund and the Wealth Personal Superannuation and Pension Fund are issued by N. M. Superannuation Proprietary Limited (N.M. Super) ABN 31 008 428 322 (trustee). 

    Any advice is general only and provided by AWM Services Pty Ltd ABN 15 139 353 496, AFSL 366121 (AWM Services). It hasn’t taken your financial or personal circumstances into account. It’s important to consider your personal circumstances and read the relevant PDS and TMD available from AMP at amp.com.au or by calling 131 267 and consider seeking advice before deciding what’s right for you.

    You can read our Financial Services Guide online for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. You can also ask us for a hardcopy. All information on this website is subject to change without notice. AWM Services and NM Super is part of the AMP group and can be contacted on 131 267 or askamp@amp.com.au.

    The information is current as at August 2026.