Income Protection or (Salary Protection) protects Wage & Salary earners, and Self Employed who work more than 25 hours per week.

Income Insurance will pay you up to 75% your income when you cannot work.

In addition to paying you an income, your Income Protection Insurance will also pay to help rehabilitate you back into work.

Income insurance and salary protection will help to pay your bills, mortgage or rent while you recover.

Recovery will be a lot quicker if you are not stressing about how you keep things going while you cannot work.

Government benefits do not pay you very much, the sickness benefit can be as little as $200 per week and if you have a partner who works, you will not qualify for a benefit which means no money if you are not working.

You cannot rely on ACC. ACC will only pay out if you had an accident and not if you are sick.

Some policies will top up an ACC payment or will be in addition to ACC.

If you think "It won't ever happen to me" think again, nobody in this world is exempt from getting sickness or disease, and there is no warning of getting sick