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Old Fri Aug 30, 2013, 12:25 AM
Chirley Chirley is offline
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Join Date: Oct 2007
Location: Logan City Australia
Posts: 1,100
Honey....3 months for income protection? My wait was two weeks.

I didn't even have to go without income in that two weeks. I used my long service leave to cover the gap. All I had to prove was that I had no paid sick leave left. I could use annual leave, long service leave, family leave, study leave etc as long as it wasn't paid sick leave.

Just a hint, DON'T UNDER ANY CIRCUMSTANCES, reduce your working hours before taking income protection. The insurance company will pay you at 75% of the hours worked in the preceding few months. I made the mistake of reducing my work to part time to cope with work and my illness. Despite having been full time for the same employer for the previous 25 years, they only paid me 75% of my hours I had reduced to for the previous two months. You are better off staying full time and taking unpaid sick leave. That way you are still regarded as full time.

So many little things to watch out for.


Regards

Chirley
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