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Frequently Asked Questions

Can Part Time Workers Get Income Protection Insurance?

To be eligible for Income Protection you must meet the minimum working requirements for the policy you chose. There are a few insurance companies who offer income protection insurance to clients who work part time, which is helpful to know when comparing cover options.

A minimum of 20 hours of work per week is usually required to be eligible for cover, although this may vary between insurers and for particular occupations. If you are a casual employee, you will need to demonstrate that you have worked consistent hours for an extended period of time, for example a minimum of two years.

When applying for income protection, you may also need to demonstrate that you earn a minimum income amount to be eligible for cover.

The insurer needs to consider the number of hours you work a week, to calculate your income and therefore any benefits that you would receive. If your work hours fluctuate, this becomes difficult to establish and assess when a claim is submitted.

Want to learn more?

Just call us on 13 54 33, we’re here for you.

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