Workability Cover (Disability Income Cover)

Business & Commercial Insurances
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Workability Cover is for an employee – designed to help you get back on your feet if you’re unable to work as a result of an illness or injury that’s not already covered by ACC. Paying you a regular monthly benefit until you’re able to get back to work or you reach the end of the payment period on your policy. In addition to this, help to put a plan in place to assist with rehabilitation, retraining or support.

Being unable to work due to sickness or injury can be stressful for you – and your finances. Workability Cover kicks in if your condition is not covered by ACC – helping you get back on your feet with rehabilitation support and a monthly benefit while you’re unable to work.

With Workability Cover you can receive a regular monthly benefit that can pay up to 75% of your pre-disability income once you’re waiting period ends.

Help with a plan to assist with rehabilitation, retraining or support, to get you back into the workforce. You’ll need to stick to the plan, and follow the advice a registered doctor for any surgery, rehabilitation and vocational support that’s considered necessary, to keep receiving the benefit.

Business and Commercial Insurances