Insurance designed for self-empoyed people

Did you know self-employed workers in Australia generally don't qualify for workers' compensation?

This means that if you get sick or injured and can’t work, your income could dry up overnight. And nobody wants that. So let’s make sure it doesn’t happen.

James

Let's say that this is James – a self-employed steam cleaner who pays for insurance inside his super (he's not real but, he’ll sound familiar).

James steam cleans people’s homes, but one day he’s tragically involved in a serious accident where he hurts his back. He’s still capable of daily living activities – like feeding himself – but he can’t work because he can’t carry his cleaning equipment to and from each job.

He also can’t do any other jobs to which he’s suited by his education, training and experience.

Super funds which cater to self-employed people consider James to be totally and permanently disabled, and therefore eligible to make a claim because he can’t return to ‘work’.

However, other funds will possibly reject his claim because they don’t include self-employment in their definition of ‘work’. For those funds he’d likely need to prove a brutal injury like limb loss (e.g. hands/feet) or not being able to go to the bathroom on his own.

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