Income Protection Insurance in Action

Member's Story

"I didn't see this coming"
- Jordan Saufoi

No-one really wants to get sick or injured and jeopardise their financial security, but sometimes bad things just happen. And it's better if you're prepared. AMIST Super member, Jordan Saufoi, is a good example of this.

Jordan was out playing touch football with some mates one afternoon. There's nothing unusual about that. When the evening set in, Jordan and his friends decided to head home. In the darkness of night, Jordan didn't notice that the grate of a drain was missing. As he realised he was falling, he leapt forward but caught his left foot. The result: a multiple break of the left ankle that required surgery and metal pins.

Jordan, who stands on his feet all day making burger patties at a food processing company in Queensland, has been unable to work since. Fortunately, Jordan's AMIST Super income protection cover has kicked in
and is providing him with $2,000 per month before tax while he recovers. Admittedly, if Jordan had increased his cover, he'd be receiving an even greater benefit than he is now.

But even on the default level of cover, Jordan is smiling.

Update

When Jordan returned to work, his ankle continued to give him grief, so he went back to the doctor. An x-ray revealed that the pins were not sitting correctly, so poor old Jordan went back into hospital for another round of surgery and another six weeks off work.

As soon as this happened, Jordan's Income Protection payments started once again and continued until he was able to return to work.

Because Jordan had not even been back at work a month, there was no further 30 day waiting period required. The payments started immediately.
Having automatic Income Protection is a really valuable benefit that AMIST Super offers its members. But it is also important that you review your level of cover from time to time. Remember, your Income Protection insurance can cover up to 75% of your pre-injury or pre-sickness pay, so when your pay increases, you might want to increase your cover to match.

To get some advice on the level of Income Protection insurance that's right for you, why not give our in-house financial adviser David S a call. You can reach him through our Hotline number and he'll be happy to show you precisely what your options are and make some helpful recommendations.