Category: Coverage
Yes, every panel insurer offers a Super Contribution add-on that pays into your nominated super fund while you are on claim, and it pays on top of the 70% income cap. Names and percentages vary, but the structure is consistent across the IMFL panel.
The benefit replaces the employer Superannuation Guarantee (SG) contributions that stop when you cannot work. Names and percentages vary by insurer, but the structure is consistent across the IMFL panel.
| Insurer | Option name | PDS reference | |---------|-------------|---------------| | AIA | Super Contribution Option | Priority Protection PDS v32 (9 Nov 2025), Section 5.2.7 | | TAL | Insured Super Contribution Benefit | Accelerated Protection PDS (12 Dec 2024), Section 2.6.3 Optional benefits | | Zurich | Super contributions option | Zurich Wealth Protection PDS (1 Nov 2025), Income Safeguard section | | OnePath | Super Contribution Option | OneCare PDS (1 Oct 2025), Income Secure section | | ClearView | Super Contributions Benefit | ClearChoice PDS (13 May 2024, Update 5 June 2025), Section: Income Protection | | NEOS | Super Contributions Option | NEOS Protection PDS (6 Dec 2024), Income Support Cover | | Encompass | Superannuation Contribution Option | Encompass Protection PDS (26 Sep 2025), Income Protection section | | Acenda | Super Contributions Benefit | Acenda Insurance PDS (27 Sep 2025), Income Protection section | | Futura | Superannuation Contribution Option | Futura Protection PDS (1 Oct 2025), Income Protection Cover |
The insurer pays a separate monthly amount equal to your insured super-contribution sum. It is paid alongside your IP monthly benefit, usually deposited into your nominated complying super fund.
For example, Zurich pays a monthly amount based on the ratio of monthly benefit payable to insured monthly benefit. The cap is the lower of your insured amount or your actual average super contributions (Zurich Wealth Protection PDS, 1 Nov 2025).
AIA caps the Insured Super Contribution Benefit at $30,000 per month (Priority Protection PDS v32). ClearView caps the combined IP plus Super Contributions Benefit at $30,000 per month (ClearChoice PDS). Payments count towards your concessional contribution cap, so check ATO contribution-cap rules before claiming.
The add-on usually moves with annual CPI indexation alongside the main IP benefit. Futura's PDS confirms indexation applies to the Superannuation Contribution Option (Futura Protection PDS, 1 Oct 2025).
The break-even depends on years to retirement, current super balance, and likely claim duration. A multi-year IP claim during your 30s or 40s can wipe out $50,000 to $150,000 of compounded SG contributions, so the option is most valuable for long-dated retirement horizons. The additional premium is typically modest relative to the main IP premium.
General advice only. A licensed adviser can talk you through whether this option fits your circumstances. The figures and PDS references above are factual product information, not a personal recommendation.
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