If you become ill or injured and require time off work to recover, you may still be able to receive a regular payment to help cover your expenses. Income protection, salary continuance or Total or Temporary Disability benefits can be available through your superannuation fund or a separate insurance policy, in addition to your existing superannuation contributions.
What is income protection insurance?
Income protection insurance is cover designed to replace the loss of your regular income. The amount is based on what you earned in the 12 months before you were injured or became ill.
Income protection insurance can be purchased through a bank, insurance company and even through your superannuation provider. You may even be automatically covered through your super fund without being aware of it. Levels of cover can vary a lot, so it is wise to look closely into your policy to know exactly what protection you actually have.
Income protection insurance serves to cover any income you lose as a result of injuries, illnesses or medical conditions, including mental illnesses, which are ongoing and affect your capacity to earn an income and support yourself and your family.
Income protection insurance can be quite complex, with hugely varying inclusions and exclusions from insurer to insurer and vast amounts of fine print. LHD Lawyers can help you navigate the claim process to ensure you receive your full entitlements as quickly as possible, so you can get your life back to normal as quickly as possible.
Who can claim income protection?
Anyone who has suffered an injury or illness (even if the injury or illness were sustained outside of work) can claim income protection insurance if their condition has affected their ability to earn an income.
How is income protection paid?
Income protection payments are generally:
- Up to 75% of your regular wage (including superannuation contributions)
- Paid monthly (or possibly weekly)
- Provided for a specific time period (such as 2 years, 10 years, or until you reach retirement age)
Meet our Specialist Income Protection Claims Lawyers
Mario Rodriguez
Senior Associate
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Works across AUSTRALIA
Lisa Meys
Partner *
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Works across AUSTRALIA
Michelle Chuong
Senior Associate
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Works across AUSTRALIA
What happens after your free claim check
Once you’ve completed your free claim check, we’ll arrange a call to talk through your accident with you and wether we think you have a claim. If you decide to move forward, we’ll guide you through each step – from gathering the right information to dealing with insurers and progressing your claim.
A call with our team.
It starts with a conversation where we take the time to understand what’s happened and how it’s affected you, then help you understand where you stand and what your options are.
What to prepare
You don’t need to have everything, but if you have details about the incident, medical treatment, insurance or superannuation, it can help us get started. We can guide you on anything else needed.
How fees work
There’s no upfront cost to get advice, and if we take on your claim, it’s on a no win, no fee basis, meaning you don’t pay our legal fees unless your claim is successful.
2026 in numbers
+$260 million
Compensation settled
Allowing our clients and their families to get their lives back on track.
$4,175,000
Largest settlement
For a Medical Negligence Claim.
Over 2,000
Cases settles
We win over 99% of cases and we're confident we can settle yours.
Why Clients Choose LHD Lawyers
Choosing a lawyer is about more than legal outcomes — it’s about feeling safe, informed, and genuinely supported throughout a process that can be long and uncertain.
No upfront costs
We operate on a no win, no fee basis, so you can pursue your claim without any financial risk. You only pay if we win.
You’re not just a case
We take time to understand you as a person, what happened, and how the injury has affected your life. No case is too big or too small.
Real people. Real results.
With 35 years of experience and a 99% win rate, we have helped thousands of Australians secure compensation that made a real difference.
Support that fits around you
We work around you, whether that is in person, by phone or by video. If you cannot travel, we can come to you at home or in hospital.
Complex cases, handled properly
Not every claim is simple, and we do not treat it as if it is. Our team has the experience and depth to handle complex and serious matters.
National strength. Personal approach
We operate nationally, bringing specialist expertise to every client. Your case is always handled by local lawyers who know your state.