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Income Protection Claims

If you are unable to work following a total or partial disability, it’s possible that you may be entitled to income protection insurance benefits through a specialised insurer, your bank, or even your superannuation. Many individuals are not aware of their ability to make a claim because it’s not always common to receive the income protection policy documents from an insurer.


Income Protection Insurance - What is it?

Not being able to work due to illness or injury can have adverse effects. Not earning an income is one of them. Income protection is there to cover you for income loss due to ongoing medical conditions and or injuries.

Income protection insurance can be bought directly from an insurer or through your current bank or even through your existing Super fund. You might not even know you are covered or to what extent you will be covered.

Terms and conditions vary between insurers and a lot of the time you don’t receive any written policy regarding this cover. Income protection claims can often be very difficult to deal with; so it’s best you seek expert legal advice to help wherever possible, not only to make sense of the fine print, but also to help recoup your full entitlements as quickly as possible and for as long as you need to be covered.

Who is Shine Lawyers' Superannuation & Insurance Law team?

Shine Lawyers' Superannuation & Insurance team includes some of the firm’s most experienced special counsel, solicitors and support staff, including law clerks and paralegals. The team includes:



Common Questions

Income protection insurance provides you with ongoing payments when you can no longer work due to injury or illness. Some people choose to purchase this insurance through a specialised insurance provider, whilst others have some form of income protection insurance through their superannuation.

The terms and conditions between different policies vary, so it’s best to seek legal help in order to definitively find out your rights and entitlements under the policy. Information directly from the insurer can be hard to understand and you may be encouraged not to pursue, much to the benefit of the insurer.

Lodging an income protection insurance claim can be a complicated process and fraught with delays and complications should you choose to go it alone.

It is for these reasons that many people choose to make an income protection insurance claim through an expert lawyer that knows the ins and outs of the system, how to deal with insurers and all the tips and tricks to ensure you get your full entitlements, as quickly as possible.

Generally speaking, income protection insurance covers an individual for about 75% of your pre-injury or illness salary.

Generally speaking, income protection insurance can cover about 75% of your pre-injury or illness salary. This percentage, along with the frequency of payments, age limit restrictions, length of time to claim and whether or not you can still receive payments following termination of employment or payout of a TPD benefit, differ from policy to policy.

The short answer is yes; but doing so may mean payments that fall under your income protection insurance are reduced due to offset clauses included in your income protection insurance policy.

Yes. There are strict time limits that apply to income protection insurance claims, which is why you should seek expert legal advice as soon as possible following the injury or illness that prevents you from being able to work in your normal capacity.

Lodging an income protection claim with an insurer can be particularly tricky and receiving your payments can take a long time without knowing the ins and outs of the system. Our lawyers are experts when it comes to dealing with insurers and work hard to maximise your claim entitlements so that you receive your full payments as quickly as possible.

We provide obligation-free advice up front and can help you find out your rights with regards to making an income protection insurance claim.

How long an income protection insurance claim takes depends on the waiting period within your policy, which is typically between two weeks to three months. An expert lawyer should be able to tell you how long the claim may take once they know more about your situation and policy.

It’s not uncommon for insurers to dodge their duty and refuse claims based on inadequate analysis of the facts. We’ve seen situations where the insurer finds a doctor that deems the person fit for work or tries to cancel the policy based on fraud due to a non-disclosure.

What we’ve found is that these challenges show our character as a law firm to achieve outstanding results for clients. As one of the biggest insurance litigation firms in Australia, we’ve helped many clients successfully overturn decisions from their insurer and receive the ongoing income protection payments they deserve.

Shine Lawyers provide all insurance claim services on a No Win No Fee* basis, which means you won’t have to pay our legal fees at all unless we win your claim at the end.

*Conditions apply

Shine Lawyers are one of the biggest income protection insurance claims lawyers in the country, and have the experience and nous to go up against the big insurers and get you the result you are looking for. At Shine Lawyers you will always have your own go-to team, who are always available to chat and who understand that explaining things in plain English to you is important.

We provide all of our insurance claims services on a No Win No Fee basis, which means you won’t have to pay our legal costs unless we win your claim at the end.

Hear from some of our clients below who have been through the claims process with us.


Shine Lawyers have offices in the following locations. As part of our service offering, home or hospital appointments can be arranged at your convenience.

Our compensation experts are in the following locations: