Updated: 30 October 2023

On 21 April 2020, AFCA released a new factsheet about income protection benefits in superannuation to answer consumers' frequently asked questions.

The new guide sets out what income protection benefits are, how to find out if you’re protected, and what information you need to submit a claim.

During the coronavirus (COVID-19) pandemic, some consumers are asking whether income protection benefit can be claimed due to loss of work. With this issue, it’s important to remember that an income protection benefit is not the same as an unemployment benefit. Loss of work due to the economic impact of COVID-19 will generally not be covered by income protection benefit.

If an individual is unable to work because they are suffering from COVID-19, they may be eligible for income protection benefits if there is no exclusion for that type of illness in the policy. The first step is to contact the fund’s trustee. 

Download the factsheet here.


Published: 21 April 2020


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The Australian Financial Complaints Authority (AFCA) is a non-government ombudsman service providing free, fair and independent help with financial disputes. It is a one-stop-shop for consumers and small businesses who have a dispute with their financial firm, over things such as banking, credit, insurance, advice, investments or superannuation. Where an agreement cannot be reached between parties, AFCA can issue decisions that are binding on financial firms.

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