As a Pilot or Flight Engineer, you are responsible for people’s lives when you’re in the air. But down on the ground, it’s all about you and your family. Income protection for Commercial Pilots and Flight Engineers Income protection insurance protects your ability to earn an income should you suffer
sickness or injury – providing fi nancial security for you and your family. We will pay a monthly benefi t of up to 75% of your income. You can choose between Income Care or Income Care Plus Cover.

Features:

• Total Disability based on ‘own’ occupation
• Benefit period two, five years or to age 60
• Maximum monthly benefit of $30,000*
• Partial Disability Benefit of two years
• Minimum 30 day waiting period
• Choice of Agreed Value or Indemnity.

Benefits:

• Automatic Indexation Benefit
• Guaranteed Insurability Benefit
• Worldwide Cover
• Premium Waiver Benefit
• Recurrent Disability Benefit
• Waiver of Premium if Unemployed or on Maternity Leave
• Reward Cover Benefit
• Rehabilitation Benefit
• Waiver of waiting period for specific conditions.

These additional benefits are provided under Income Care Plus

• Overseas Assist Benefit
• Rehabilitation Expense Benefit
• Death Benefit
• Specific Injuries Benefit
• Crisis Benefit
• Bed Confi nement Benefit
• Accommodation Benefit
• Transport Benefit
• Family Support Benefit
• Home Care Benefit.

Eligibility

• Australian citizen residing permanently in Australia
• Holds an Australian Airline Transport Licence (Pilots) or Australian Flight Engineer Licence (Flight Engineers)
• Employed by a recognised fixed schedule commercial fare paying passenger airline operating within Australia
• Copy of current Civil Aviation Safety Association (CASA) medical examination and any additional tests or reports
• Minimum entry age 20 (next birthday)
• Maximum entry age 55 (next birthday)
• Expiry age 60 (minimum five year policy duration).