INCOME PROTECTION INSURANCE PROGRAM

Protect your income if injury or illness stops you from working.

If injury or illness stopped you from working, income protection can help keep money coming in while you recover.

Now, through ETU’s partnership with Canopy Insurance — part of the WIP Group — ETU members can access individual Income Protection insurance at a special 20% discounted rate.

ETU MEMBER OFFER

“If you’re made redundant, your EBA Income Protection cover may end.

Stay protected with Canopy until you commence with another EBA employer”

Chris Lynch, Assistant State Secretary (QLD/NT Branch)

  • Canopy Insurance is a specialist Income Protection insurance provider and a proud part of the WIP Group — the same trusted partner group that supports ETU members through its group products.

    Canopy Insurance’s aim is to give individuals access to group-style benefits, simple cover options and competitive pricing, without the complexity that often comes with insurance.

    ✔ Backed by the WIP Group
    ✔ Designed for everyday working Australians
    ✔ Simple, online, no-pressure experience

  • ETU members can access:

    ✔ 20% off Income Protection premiums

    A discounted rate not available to the general public.

    ✔ Cover for injury or illness

    Income Protection can help replace part of your income if you’re unable to work due injury or illness.

    ✔ Simple online quotes

    Get a personalised quote in just a few minutes — no phone calls, no pressure.

  • If you rely on your income to pay your bills, support your family or maintain your lifestyle, Income Protection can play a critical role.

    Income Protection insurance can help:

    • Provide financial support if injury or illness prevents you from working

    • Reduce stress while you focus on recovery

    • Protect your household’s cash flow when it matters most

  • Based on the cover available through this offer, policies include:

    ✓ 100% of your nominated income for the first 6 weeks
    Then up to 85% ongoing, depending on the policy selected.

    ✓ Cover 24/7, worldwide
    Protection applies whether you’re at work, at home or overseas.

    ✓ Up to 2 years benefit period
    Payments may continue for up to two years while you recover.

    ✓ Flexible waiting period options
    Choose from waiting periods of 14, 28, 60 or 90 days to suit your situation.

    ✓ Tax-deductible premiums
    Income Protection premiums may be tax-deductible, depending on your selected policy and personal circumstances.

    ✓ Tailored to suit your needs
    Choose waiting periods and benefit options that fit your situation and budget.

    Eligibility, benefit levels, waiting periods and terms apply. Please refer to the Product Disclosure Statement for full details.

  • 1. Get an instant quote
    Complete the online quote below to receive your personalised, discounted quote.

    2. Choose your cover
    Adjust options to suit your income and preferences.

    3. Apply online
    A simple, streamlined process — no sales pressure or obligation.

  • ✔ Designed to be simple and transparent
    ✔ Online quotes in minutes
    ✔ Backed by the same trusted partner group that supports ETU members

  • This information is of a general nature only and does not take into account your objectives, financial situation or needs. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Terms, conditions, limits and exclusions apply.

Why pay more for less?

Income Protection insurance at group-style pricing for individuals

Simple, great-value cover

Life can be unpredictable, but your income doesn’t have to be.

It’s simple:

  • You’re covered 24/7, anywhere in the world

  • It’s tax-deductible

  • Backed by the same trusted partner group that supports ETU members

Most people don’t choose income protection out of worry — they choose it because it’s a smart financial decision.

Get an instant quote and be covered in just minutes

No lock-ins. 14-day cooling-off period. Cancel anytime — no questions asked.

Get covered today, review everything in your own time, and decide with confidence.

Or Book Your Consultation with an Expert Insurance Consultant

Key Benefits

  • If injury or illness prevents you from working, Income Protection helps replace part of your income.

    • 100% of your nominated income for the first 6 weeks
    • Then 75% or 85% ongoing, depending on the option you choose
    • Payments can continue for up to 52 or 104 weeks

    This support helps you cover everyday living expenses while you recover.

  • You’re covered 24 hours a day, 7 days a week, worldwide.

    Cover applies whether you’re at work, at home, travelling, or overseas.

    This means you’re protected wherever life takes you.

  • Our Income Protection cover can be tailored to suit your needs and budget.

    You can choose:

    • How much of your income is covered (up to 100% for the first 6 weeks, then 75% or 85% ongoing)

    • How long benefits are paid (52 or 104 weeks)

    • How long you wait before payments start (14, 28, 60 or 90 days)

    This flexibility allows you to balance coverage, affordability and peace of mind.

  • Optional lump sum support if you’re diagnosed with a defined critical illness.

    • Choose cover amounts from $0 up to $50,000

    The lump sum can help cover medical costs, lifestyle changes, or other financial needs during recovery.

  • Optional lump sum cover in the event of accidental death or critical injury.

    • Choose cover amounts from $0 up to $100,000

    The benefit can be used to help support you or your family with expenses and financial obligations.

Built-in Additional Benefits

  • Support for your household if your spouse/partner or dependent child is diagnosed with a defined sickness.

    • Covers reasonable domestic help costs (e.g. cleaning, meals, childcare)
    • Up to $300 per week for up to 26 weeks

    This helps reduce day-to-day pressures while your family focuses on recovery.

  • Access to professional financial planning support following an approved claim.

    • Available for certain claims lasting over 26 weeks
    • Provides up to $3,500 in assistance

    This support helps you make informed financial decisions during recovery.

  • Additional support if you suffer a fracture.

    This benefit helps with recovery-related costs and supports your return to normal daily activities.

  • Support for approved rehabilitation, retraining, or return-to-work programs.

    • Covers eligible expenses up to $5,000

    This benefit helps you safely transition back into the workforce.

  • Financial support to modify your home or vehicle following a defined injury.

    • Covers items such as ramps, rails, or vehicle modifications
    • Provides up to $10,000

    Designed to help you live more safely and independently during recovery.

  • Reimbursement of professional or membership fees linked to your employment.

    • Available following an accepted claim
    • Up to $250 per membership

    Helps you maintain professional affiliations during recovery.

  • Early access to benefits following an eligible claim.

    • Advance payment of up to 13 weeks of benefits
    • Requires medical evidence of a claim expected to last at least 26 weeks

    This helps ease immediate financial pressure.

  • Assistance with transport costs following an accepted claim.

    • Reimburses reasonable transport expenses where you’re unable to drive or use public transport

    Helps you continue commuting safely during recovery.

  • Your weekly benefit increases over time if your claim continues.

    • After 12 months, benefits increase by 5%

    Helps your payments keep pace with rising living costs.

  • If an accidental disappearance occurs and the insured is not found within 12 months, the policy treats this as an accidental death.

    The accidental death benefit is then paid to nominated beneficiaries.

  • Cover for injuries caused by exposure to environmental or weather conditions during the period of insurance.

    This ensures protection for defined exposure-related events.

  • Cover if HIV, Hepatitis B or Hepatitis C is contracted due to:

    • A violent physical attack, or
    • Medical treatment for an injury or sickness

    Provides protection in specific, defined circumstances.