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Disability cover
Workability Insurance
Workability Insurance can support you with monthly payments if you’re injured and not eligible for ACC payments.
Workability Insurance benefits
01
Rehabilitation and retraining support
We’ll help you get a plan in place for your recovery and reimburse you for your approved rehabilitation, retraining or support costs, subject to policy limits.
02
Short term support
Pays a lump sum if you are diagnosed with a terminal illness. You can use the money for your immediate care and help to plan a secure future for your family.
03
Long term support
Pays you a monthly benefit once your short-term support benefit has expired and your disability means you’re unable to earn at least 75% of your pre-disability income in a role based on your existing education, training and experience.
04
Transition support
If you need to change jobs because of your disability we’ll reimburse you up to $2,000 for costs that come with you securing the new role, for example new work clothes, equipment or tools.
05
ACC continuation
If ACC declines your claim, or stops paying your weekly compensation we’ll assess your claim under our criteria.
06
Premium waiver
We’ll waive your premiums if you’re disabled and you’re receiving a Short-term or Long-term support benefit.
07
Inflation adjustment
Each year your sum insured can be increased without the need for further medical or financial underwriting.
08
Income update
If you’re younger than 55 years, you’re not currently receiving a benefit under this policy and premiums aren’t being waived, then you can increase your monthly benefit each policy anniversary by up to 10%. This can come in handy if you’ve had a pay increase at work.
09
Premium and cover suspension
We can suspend your cover and premiums for a minimum of 3 months and a maximum of 12 months if you meet the criteria.
Optional benefits you can choose to include:
While receiving your monthly benefit, the amount will increase at every policy anniversary in line with inflation.
Lets you cover your kids too.
Lump Sum Support when you need it. Receive this benefit if you suffer any of 29 specified injuries (ranging from broken bones to paralysis). The benefit is payable even if you are still able to continue working. Check the policy document for the full list of injuries and payment periods.
Frequently asked questions
ACC payments and Workability Insurance
Workability Insurance only offers you income replacement support when ACC doesn’t. As long as you meet our benefit criteria, we’ll pay you a monthly benefit if you’re not receiving regular payments from ACC.
ACC only provides support for accidental injuries.
