An income protection insurance¹ benefit is paid as monthly income if an injury or illness temporarily prevents you from working.

• You can receive up to 75% of your pre-disability monthly income². You may also be able to apply for an additional 10% to be paid directly to your smartMonday super account to keep your retirement savings growing while you’re not working.
• You can choose a waiting period (before the benefit payment kicks-in) of 30, 60 or 90 days.
• You can choose a benefit payment period of 2 years, 5 years or to age 65.
• The cost of insurance is deducted automatically from your super balance, not from your take-home pay – so you don’t have to budget for it.
• You’re covered while travelling overseas.
• Rehabilitation expenses may also be covered – for approved programs aimed at getting you back to your old job, or to help retrain you for another occupation.

Members of smartMonday PRIME – subject to eligibility, you may receive Income Protection cover automatically on standard terms with a 90 days waiting period and 2 year benefit period. Alternatively, your employer may negotiate different terms . See your Welcome Pack on joining the fund for more information or, if you’re already a member, login to check your insurance details...

For full details download your relevant Insurance Guide:

PRIME (if you’re joining through your employer)
DIRECT (if you’re joining smartMonday directly)

Or talk to a smartCoach today on 1300 262 241, or email smartcoach@smartmonday.com.au.