James Lassen
Legal Practice Director | Special Counsel
Stephen Browne Perth
English
Income Protection (IP) Lawyers Perth & Western Australia
If you can’t work because of partial or total disability, income protection can help pay the bills. Our trusted income protection lawyers are committed to ensuring you receive the best outcome.
What’s an income protection claim?
Income protection insurance replaces lost income while you can’t work because of a partial or total disability caused by injury or illness. An income protection claim is for a set percentage of your pre-tax income while you can’t work. For example:
Up to 90% for the first six months
Up to 70% beyond six months, for a specified time
The percentage may be based on your annual income in the 12 months leading up to your injury or illness.
Who’s eligible for an income protection claim?
Income protection claims are also known as ‘total temporary disability’ or TTD claims. You’re eligible to make an income protection claim or TTD claim if:
You have an income protection insurance policy
Your injury or illness stop you from working in your usual occupation.
To make an income protection claim, your injury or illness doesn’t have to be work-related and could include, e.g.:
An injury sustained in a motor vehicle accident, at home or while playing sport
A diagnosed illness such as cancer, a heart condition, a stroke or infectious disease
A diagnosed psychological condition such as PTSD or depression
It’s possible to claim income protection for a work-related injury (as well as making a workers’ compensation claim) but any payment received may be considered alongside your WorkCover payments. Our experienced workers’ compensation and superannuation teams can help you navigate and manage your claims.
What income protection insurance can I claim?
Your entitlement to claim income protection depends on:
Your income protection insurance policy wording
The impact of your disability on your life and ability to work
A successful income protection claim provides monthly payments, at a specified percentage of your income, for a specified benefit period, which might be:
The time detailed in your policy (e.g. two years)
The age detailed in your policy (this is the ‘benefit period’, e.g. 65 years)
Our No Win No Fee* service
At Stephen Browne, we believe all people should have access to legal services, no matter their financial status. For most income protection claims, our trusted income protection lawyers work on a No Win No Fee* basis.
With years of local experience in Perth and Western Australia, our top-rated team are the experienced, local income protection lawyers you deserve.
*Conditions apply
What is the income protection claim process?
At Stephen Browne, our experienced local income protection claim team have been helping Western Australians for nearly 40 years. Each client and their income protection claim circumstances are unique, and so the time for the process can vary. No matter the stage of your income protection claim, we’re here to help. Below are the four key stages of an income protection claim.
Obligation-free claim review
No matter what stage your income protection claim has reached, Stephen Browne’s No Win No Fee* local income protection lawyers can review it to ensure you achieve the best outcome.
Complete the form and our Client Service Team will contact you.
What to expect from your obligation-free consultation
Your obligation-free consultation will be with an experienced income protection lawyer in Perth or Joondalup.
We are here for you
Our trusted income protection lawyers are here to advise you every step of the way. Our goal is to help you achieve the best outcome. During your consultation, your trusted income protection lawyer will:
Listen to you and review your claim
Discuss your legal options and potential income protection claim payout
Advise on the income protection claim requirements and our fees
What to bring
You are welcome to bring a support person to your appointment. It’s helpful to bring along documentation relevant to your income protection claim. This might include:
Photo identification
Medical reports
Copies of any correspondence from your income protection insurer
Written witness reports of your accident or incident (if relevant)
Written records of work absences caused by TTD claim injury or illness
Our income protection claim team
Income protection claim FAQs
What is income protection insurance?
Income protection insurance supplements your income if you can’t work due to injury or illness. It replaces lost income:
For a specified percentage of your previous 12-month' annual income
For a specified length of time
Up to a specified age
How much does income protection insurance cover me for?
Income protection insurance may provide cover for a set percentage of your pre-tax income while you can’t work, e.g.
Up to 90% for the first six months
Up to 70% beyond six months, for a specified time
To work out the percentage, your annual pre-tax income in the 12 months leading up to your injury or illness is relevant.
Are there time limits for income protection insurance claims?
The wording of your income protection insurance policy will determine:
Time limits within which to claim income protection
Waiting periods before your payments start
Benefit period (how long your payments will last if you continue to be unable to work due to your injury or illness)
Legal Information