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Income Protection claims

Making a claim

We know that being off work because of sickness or injury can be stressful. You need to focus on getting better, not on paperwork. So we’ve made the claims process as easy as we can, with a personal claims consultant to support you step by step. 
 
Step 1. Call 132 825 or download a Claim Form
Simply call us on 132 825 as soon as your doctor tells you you’re unable to work for longer than your waiting period, or when you’re made redundant (if you have Involuntary Unemployment Cover).
 
Step 2. Send us the details
Please send us:
  • A completed Claim Form
  • A certified copy* of proof of income, if required
  • Any other documents to support your claim
*A certified copy is a copy signed and stamped by a Justice of the Peace (JP) who has checked it against the original document. 
 
Step 3. Resolution
We’ll be in touch as quickly as we can to let you know the outcome of your claim and explain what will happen next. We’ll calculate your pre-tax income based on your average pre-tax personal income in the previous 12 months. 
 
Restrictions and waiting periods
If you have our Essentials Cover, your waiting period — the time you need to be off work or unable to perform your usual duties before you are able to claim — is fixed at 28 days.If you have our Income Protection Cover, you will have chosen a waiting period of 14, 28, 60 or 90 days. 
 
There are some restrictions on what you can claim for. To find out more about what isn’t covered, see the Product Disclosure Statement.
 
Payout periods and payments
With NRMA Income Protection, you can choose the payout period you would like for sickness or injury claims.
  • Income Protection Cover gives you the choice of 6, 12 or 24 months — or even five years
  • Essentials Cover gives you the choice of 6, 12 or 24 months
If your claim is accepted, you could receive up to 85% of your pre-tax income paid monthly, up to $10,000 a month depending on your cover.  
 
If you receive other income, such as workers’ compensation, unemployment benefits or social security while you’re claiming, we may adjust your payment. We’ll only do this if the combined amount of your Income Protection Cover payment and this other income is more than 85% of your usual pre-tax monthly income.

If your claim is approved, during the waiting period and while you are receiving claims payments, we won’t charge you any premiums.
 
Involuntary Unemployment Cover
If you have Involuntary Unemployment Cover, you could receive up to $3000 a month for up to three months if you are made redundant and your claim is accepted.

Ways to speed up your claim

We’ll do everything we can to deal with your claim as quickly as possible, giving you the support you need.
 
You can help us by:
  • Contacting us as soon as possible, so we can begin processing your claim
  • Having all your documentation ready
  • Getting certified copies of the documentation that you need to send us

If you have any questions, call us on 132 825 between 8am and 8pm (AEST), Monday to Friday.
 

The information on this website about NRMA Income Protection is general advice only and does not take into account your personal financial situation, needs or objectives. You should consider the Product Disclosure Statement and Financial Services Guide and your own circumstances before deciding to purchase NRMA Income Protection. NRMA Income Protection is promoted by IAL Life Pty Limited ABN 15 137 509 936 an Authorised Representative (AR No. 427847) of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. NRMA Income Protection is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (except for Involuntary Unemployment Cover which is issued by St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649). IAL Life Pty Limited is a subsidiary of Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. All life insurance information on this website is provided by TAL Direct Pty Limited and IAL Life Pty Limited.
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