Income protection cover

NGS Super winner of Chant West ‘Best Fund: Insurance’ award

Chant West has awarded NGS Super’s insurance best in Australia.

Great value and peace of mind

What is it?

Income protection covers you against temporary disability, caused by illness or accident, when you cannot earn an income.

Many families today rely on two incomes, so it’s important for the incomes of both partners to be protected by insurance.

How it works

The affordable premiums are deducted from your super account. If you are transferring from another fund, you can apply to transfer your insurance  cover without providing medical information.

Claims are considered by our insurer, CommInsure and the NGS Super Trustee and successful claims are paid as monthly payments for as long as the disabling condition continues up to a maximum of two years, five years, to age 65 or to age 67 (depending on the benefit period selected).

The amount of cover

You’re free to choose the level of cover to suit your situation, now and into the future.

How to do it

See how cost effective our Life, disability and income protection cover is with our insurance quote calculator.


Key features

The key feature of our ‘needs-based’ design is that the amount of standard cover you have changes at certain ages. The Standard Cover package (while not necessarily being suitable for everyone) is designed to provide a basic level of protection throughout your working life, without your active involvement.

Standard Cover offers:

  • an age-based approach for life cover, providing different levels of cover at various ages, which aims to provide appropriate cover based on ‘average member’ life stages. Life cover is lowest when you are young and automatically increases as you get older (when your need for cover may be higher), then reduces again as you approach retirement;
  • disability (TPD) and income protection (IP) benefits that work in conjunction with each other. Our long-term IP benefit payment period will help to meet your future living expenses, while the lump sum disability (TPD) benefit aims to provide protection for other financial costs associated with a permanent disability.

Our standard IP cover provides a monthly benefit of up to 80% of your pre-incapacity income plus up to 10% super contribution, if you are unable to work due to injury or sickness for more than 90 days. You can be paid benefits for up to 5 years (or to age 65 if this is earlier).

You can apply for additional cover if you need more than our age-based Standard Cover.

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This website is provided by NGS Super Pty Limited ABN 46 003 491 487 AFSL 233 154. Fund information: NGS Super ABN 73 549 180 515, Superannuation Fund Number (SFN) - 1345/339/49, Superannuation Product Identification Number (SPIN) - NGS 0001AU. NGS Super is a registered trade mark of NGS Super Pty Limited.
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