Income Protection Claims

If you are unable to work in your full capacity due to an injury or illness, you may be entitled to Income Protection insurance benefits.

At Life Matters Claims, we specialise in managing your Income Protection claim. We are claim advocates that manage your claim from start to finish and have a 98% success rate for all our clients claims to date.

What is Income Protection?

If you’re unable to work for a period of time due to illness or injury, you may be eligible for income protection insurance. If you are successful in your claim, payments to you are usually made monthly and you are usually subject to a waiting period (this can be anywhere from 2 weeks to 2 years depending on your cover).

How does it work?

Income protection insurance usually covers you for the lesser of your sum insured or 75% of your pre-injury salary. Your insurance policy will determine the frequency of payments, age limit restrictions and the length of time you are entitled to claim for benefits.

Am I eligible?

To be eligible to make an income protection claim, your insurer must be satisfied that you cannot work due to your injury or illness.

Unfortunately, every insurer defines disability differently and depending on what policy you have, will depend on what definition you will be assessed under Some disability definitions that can be found in different income protection policies can be duties based, hours based or income based.

How can Life matters Claims assist you?

With our extensive claims experience, we will work with you to ensure the process is as streamlined as possible. This includes initiating your claim with the insurer and working with you every step of the way until the claim has been finalised. Unlike solicitors, we won’t charge an inflated fee to manage your claim. We understand that it’s not reasonable to charge for every visit, letter or phone call. Instead, we promise a set fee that is only payable once the claim has been accepted. Our claims advocacy services are available Australia wide.

We have a 98% success rate for all our clients' claims to date.


If you’re looking for advice on a claim, speak to one of our friendly staff by phoning

We’re ready to help you through your insurance claim

You can talk to us on 1300 784 108

Or send an email to info@lifemattersclaims.com.au