Life Insurance and Income Protection for Electricians
Income Protection for Electricians and Their Families
Electrical work, how you’re employed or contracted, and any cover through your job or super all shape how personal cover works for you. We can help you compare cover, check any cover you hold and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe any duties near energised equipment or at height accurately on a cover application
- Compare income protection disability definitions against licensed electrical work
- Set out your rate, allowances and any overtime for an income protection application
- Map the cover you may hold through workers compensation, an enterprise agreement or super
- Check what changes to your cover before you go out on an ABN
- Review any cover set up on apprentice pay once you’re a licensed electrician
- Weigh TPD definitions inside and outside super for licensed trade work
- Consider trauma cover alongside income protection, held outside super
- Keep beneficiary nominations current after job and super fund changes
- Prepare and lodge an insurance claim with you, then follow it up while the insurer assesses it
Who We Help
- Apprentices on a training wage that steps up each year
- Recently qualified electricians in their first year after the apprenticeship
- Sole traders and subbies quoting and invoicing their own jobs
- Electrical contractors with a company or trust structure
- Solar and battery installers working across roofs and switchboards
- Data, comms and security technicians cabling in ceilings, risers and comms rooms
- Linesworkers and cable jointers maintaining the power grid
- Electricians on mine sites or other remote projects
- Supervisors, estimators and designers moving off the tools
What we advise on
How Each Cover Works Around Electrical Work
Income Protection
What could keep part of your pay coming in if illness or injury took you away from the tools?
Income protection can pay part of your income after a waiting period, so the household budget can keep running in the meantime.
Together, we’ll compare income protection around how your electrical work is paid and the duties it involves.
Income protection can replace part of your income if illness or injury stops you working, after a waiting period and subject to the policy’s definitions. The benefit is usually based on your earnings in the 12 months before the illness or injury, and each policy has its own definitions of income and disability. Waiting periods can run from 14 days to 2 years, and benefits can be paid for a set number of years or to an age.
What we work through with you on income protection:
- Industry and licence allowances, and any overtime, checked against how the policy defines the income it insures
- Earnings in the 12 months before an illness or injury, after an apprentice pay step or a quieter stretch of work
- Sick leave an employer owes you, or cash reserves on an ABN, lined up with the waiting period you choose
- Lighter duties or fewer days back on site, and whether a policy offers part payments during that stage
- Hours a policy may require you to work each week, checked before you cut back on the tools
- Any automatic income protection in your fund, and how its terms compare with cover you could own
- Any cover through an enterprise agreement for illness or injury outside work, and whether that cover continues if you leave
- Funding the premiums from your super balance or your bank account, and the tax side confirmed by an accountant
Life Insurance
Could your loved ones meet the costs your income covers now if you were no longer here?
A lump sum paid to your beneficiaries can help your loved ones with debts, everyday costs and the plans you share.
We can add up any debts, everyday costs and any cover in super with you to set a life cover amount.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. Life insurers usually ask about your age and job when you apply. If no beneficiary is named, your estate or the super trustee may decide who receives the payment.
What we work through for life cover:
- Finance on any work ute or van, tool loans and any mortgage, totalled to size the lump sum
- Life cover in any super funds opened through your training and job changes, found and totalled before any are combined
- Beneficiary choices for policies you own and for super, where only a binding nomination binds the trustee
- Your work duties set out on a life cover application, since insurers usually ask about your job
- A terminal illness benefit, where a policy includes one, and the medical evidence the insurer asks for
- The cover amount reviewed when you get your licence, start on an ABN or buy a home
- Life and TPD cover sold as a package, and what a TPD payment would leave in life cover
- Cover you own outside super, held on the policy’s own terms, which a change of employer or contract doesn’t end on its own
TPD Insurance
What would fund your plans if you could never work again?
TPD cover can pay a lump sum towards debts and longer-term goals if you can’t work again, as the policy defines it.
Together, we’ll read each TPD definition a policy offers against licensed electrical work and the roles your trade could suit.
A TPD policy can pay a lump sum when illness or injury leaves you unlikely to work again, under the policy’s own definition. Own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and whether it’s offered can depend on the insurer and your occupation. TPD cover in super usually ends at an age set in the fund’s insurance terms.
What we compare with you for TPD:
- Licensed electrical work, and whether an insurer would write own occupation TPD for it or only broader tests
- Estimating, teaching or design roles your training could suit, and how an any occupation definition treats those roles
- Any TPD disability wording in your super fund, read before you switch to another fund
- The occupation recorded on a policy or fund after you move off the tools, checked with the insurer or fund
- A TPD amount set against any home loan and other debts, and reviewed when either changes
- Climbing, lifting and work at height in your week, described accurately on a TPD application
- TPD alongside income protection, so a monthly benefit and a lump sum are planned together
- Tax on a TPD payment released from super, worked through with an accountant before you rely on the amount
Trauma Insurance
How could treatment costs and time away from work be met if you were diagnosed with a serious illness?
Trauma cover can pay a lump sum towards costs for a listed condition that meets the policy’s definition and isn’t excluded.
We’ll explain the conditions a trauma policy lists, and how a lump sum would sit beside income protection.
A trauma policy lists the critical illnesses and serious injuries it covers, and can pay a lump sum when one meets the policy’s definition and isn’t excluded. Medical definitions can be different between insurers. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we read with you in a trauma policy:
- Serious injuries as well as illnesses on a trauma policy’s list, read for how each one is defined
- Payments for an early or less advanced form of a listed condition, where a policy offers them
- A trauma amount set against your regular bills for a period away from electrical work
- A trauma lump sum and the income protection waiting period, planned so the two work together
- Trauma cover packaged with life cover, and how a trauma payment can reduce the life amount
- Weeks spent off the tools for surgery or hospital stays on an ABN, with no employer paying leave
- A policy taken out years ago, issued on its own terms, read closely before anything replaces it
- Tax on trauma premiums and any payment, confirmed with an accountant for your own position
Cover in Super
Could your super already be providing cover for the electrical work you do?
Reading each fund together can show any cover you hold, and help you keep what suits your work.
We can check any cover in your super and set out any changes in a financial plan, or Statement of Advice.
Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. Some funds also give members income protection by default, on the fund’s own terms.
What we look at in your super with you:
- Any cover in each fund opened through your training and job changes, listed before any accounts are combined
- Time between jobs with no employer super paid in, and what premiums for any fund insurance take from your balance
- The occupation your fund has on record for you, and contacting the fund if that record is out of date
- Income protection through an electrical-industry fund, if you’re a member, read against its insurance terms
- Pre-existing condition rules in a fund’s PDS, read before you rely on default cover
- Insurance fees coming out of your super balance, weighed against the cover those fees pay for
- A rollover after a new job, held back until any cover in the old fund has been read
- Any cover in super, read with you before you go out on your own on an ABN
Cover When You Work for Yourself
When you work for yourself, what would replace part of the set amount you pay yourself if you couldn’t work?
Cover you own, such as income protection, can pay part of your income after a waiting period, giving you time to adjust.
We can compare and apply for personal cover with you before you go out on your own, or soon after you start.
Workers compensation is generally an employer’s insurance for its employees, through a state, territory or Commonwealth scheme. If a business contracts with you as an individual, it may have to pay your super when you’re paid mainly for your labour, for your own skills rather than a result, and you do the work yourself. A contract made with your company, trust or partnership is different: the business doesn’t have to pay super for whoever that entity employs.
What we look at with you on an ABN:
- No sick leave on an ABN, and a waiting period chosen with your savings and cash flow in mind
- Whether a workers compensation scheme may treat you as a worker, a question for the scheme or a lawyer
- Super on a contract in your own name, and the three ATO tests for whether the business has to pay it
- Profit and loss statements and BAS, gathered with you for an income protection application
- An insurer working out income from your share of business profits, and a first year with little history
- Business expenses cover as a separate need from your own income, if you carry costs like a van or premises
- Accident or sickness cover bought with business insurance, read for how long it pays and what it covers
- Policy ownership through a company or trust, with the structure itself set by an accountant
Apprentices and Your First Licence
As your pay steps up through the apprenticeship, how could cover be set up to grow with you?
Starting cover early and reviewing it at each step can help it keep up with your pay and your licence.
We can look at cover with you as an apprentice and review it at each pay step through to your licence.
Apprentice pay generally steps up with each year of training, and income protection is usually based on your earnings in the 12 months before an illness or injury. Cover in super usually doesn’t start automatically for a new member under 25, or with a low balance, unless they ask for it, or their fund gives automatic cover for a dangerous job. As an employee, an apprentice may be eligible for workers compensation for an injury at work.
What we plan with you through the apprenticeship:
- Asking your fund to start cover before you turn 25, rather than waiting for cover that may not start on its own
- Any cover through an enterprise agreement that includes apprentices, and what happens to that cover when your apprenticeship ends
- Any income protection policy taken out as an apprentice, with its insured amount reviewed once you’re licensed
- Each yearly pay step, and how the 12 months before an illness or injury would reflect the step
- Any licence allowance in your pay, and whether a policy counts that allowance as income
- Super from your first employer, which can follow you to later jobs, along with any cover that fund holds
- Workers compensation for an injury at work as an apprentice, if you’re eligible, beside any personal cover
- Premiums planned within apprentice pay, with any cover reviewed at each pay step
Making a Claim
Who could help you through each step if you ever need to make a claim?
Lodging a claim with you and following it up with the insurer can give you more time for everything else.
We’ll lodge a claim with you and stay in contact with the insurer while it assesses the claim.
Moneysmart suggests speaking first to whoever you arranged the cover through, whether that’s the fund, the insurer, a financial adviser or, for cover through work, your employer. An insurer can ask for medical reports, details of your work duties, including physical requirements, and the hours you work each week, along with payslips or tax returns. The insurer assesses the claim. A complaint goes first to the insurer or, for cover in super, the fund, then to AFCA if unresolved.
How we help with a claim:
- A claim lodged through your fund, your employer, the insurer directly, or with us if we arranged the cover
- Your duties and weekly hours on the job, described accurately for the period before the illness or injury
- Payslips or tax returns from the 12 months before the illness or injury, gathered for an income protection claim
- Specialist and GP letters, plus test results, which the insurer will ask your permission to request
- Your own policy claim, lodged with you alongside any workers compensation claim, which a scheme handles separately under its own rules
- Business accounts or tax returns, used as income evidence when you claim as a sole trader
- Each continuing claim form an income protection insurer asks for, filled in with you until the benefit stops
- AFCA, the free external dispute body, if the insurer or, for cover in super, the fund can’t settle the matter
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your duties and licence stage: Insurers usually ask about your job when you apply. An apprentice, a licensed electrician and a supervisor can do quite different work, so your licence stage and day-to-day duties are part of describing it accurately.
- Your hours: Some policies only cover you if you work a minimum number of hours each week. Your usual hours are worth setting out, and worth checking again if you cut back.
- How you’re paid: Income protection is usually based on your earnings in the 12 months before an illness or injury. The policy’s definition of income decides whether any allowances or overtime are counted.
- Physical work: If your week includes roofs, ladders, poles, or work near energised equipment or overhead lines, setting out how often and where gives the insurer a true picture of the work you do.
- A new role: Moving into solar, data, line work, supervision or design can change your duties, so how any policy you hold describes your occupation is worth reading.
- How you’re engaged: Being employed, contracting on an ABN or trading through a company changes how your income is shown. For a self-employed electrician, an insurer may work out income from your share of the business profits.
- Changing employer: Any cover provided through an employer or agreement may not continue when you leave, so where your super is paid and what cover it holds are worth knowing.
- An injury or lighter duties: If you’re returning after time off or on lighter duties, an insurer may ask about your hours, your current duties and any claim already under way.
This list isn’t complete, and nothing on it decides anything on its own. We start by learning about your situation, and any decision on cover is the insurer’s.
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover for Electrical Work, Worked Through Together
Your Electrical Duties Set Out
Any work at height or live work, and your weekly hours, described in full on any application.
Cover From Work and Super Mapped
Workers compensation, any agreement cover and any cover in each fund listed with where each one stops.
Pay and Allowances Set Out
Your rate, allowances and any overtime set out clearly for an income protection application.
Cover Checked Before Your First ABN
Any cover through work and super looked at before you start contracting on your own.
Cover Revisited Once You’re Licensed
Any cover set up on apprentice pay looked at again once you hold your licence.
TPD Definitions Weighed for the Trade
How each TPD definition would view licensed trade work, read through with you.
Nominations Kept Current
Beneficiary nominations looked at again after a change of job, fund or family situation.
Support Through a Claim
A claim lodged with you and followed up while the insurer assesses it.
Proactive, Holistic, and Experienced Financial Planning
Cover is easier to choose when it’s explained in plain terms. We start by listening to how your work runs, how you’re paid and what you want your cover to do. Then we talk through each type of cover, answer your questions as they come up and go at a pace that suits you. Our recommendations usually come to you in writing, and every decision along the way is yours to make.
We take on the paperwork alongside you. With your consent, we can request insurance details from any fund that holds cover for you, gather what an application needs and keep in touch with insurers while they assess it. A partner or family member is welcome to join any conversation. If you ever need to claim, we’ll lodge the claim with you, follow it up and keep you updated until the insurer has made its decision.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your electrical work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Working as an electrician can mean heights, energised equipment, apprentice pay steps or contracting on an ABN. Each can affect how an insurer assesses an application and how a policy pays, so your duties, hours and how you’re paid are part of what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
Income protection can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms. The benefit is usually based on your earnings in the 12 months before the illness or injury, so on apprentice pay the amount insured reflects that stage of your training.
Cover in super usually doesn’t start automatically for a new member under 25, or with a low balance, unless they ask the fund for it, or the fund gives automatic cover for a dangerous job. As your pay steps up each year and again once you’re licensed, a policy can be reviewed against what you now earn, and the insurer decides on any increase. We can look at cover in super and outside it with you.
It depends on the scheme and how the work is set up. Workers compensation comes through a state, territory or Commonwealth scheme, and is generally an employer’s insurance for its employees. Some schemes can treat a contractor as a worker of the business they work for, and whether that applies to you is a question for the scheme or a lawyer.
On an ABN there’s no sick leave to draw on. Personal income protection, if you hold it, can pay part of your income after a waiting period if illness or injury stops you working, whether or not it happened on the job, subject to the policy’s terms. We can look at any cover you have with you before you take on contract work, or soon after.
Some enterprise agreements in the electrical industry include income protection for illness or injury outside work, paid for by the employer through an industry scheme. Whether an agreement includes it, and for whom, depends on its terms, and agreements that include it for other employees usually include apprentices too. It isn’t cover you can join yourself, because it relies on an employer contributing under the agreement.
Injuries at work are separate again, and workers compensation may cover them if you’re eligible. Changing employer, moving to a new agreement or going out on an ABN can change the cover that applies to you, so the agreement and any scheme documents are worth reading. We can map that cover with you alongside your super and any personal cover.
Finishing your apprenticeship is a good time to look at your cover. Your pay usually rises once you’re licensed, and whether a licence allowance counts as income depends on each policy’s definition. Income protection is usually based on your earnings in the 12 months before an illness or injury, so cover set up on apprentice pay may insure less than you now earn.
The work your licence lets you do can also change how your duties are described on an application or recorded by your fund. We can review any cover you hold with you, and the insurer decides on any increase and the terms it offers.
There’s no single figure, because the amount comes from your own situation rather than your trade. A useful starting point is what you owe, such as any home loan, vehicle finance or business debts, and what your loved ones would need for everyday costs and future plans.
From there, any life cover you hold in super or through a policy is counted, so you can see what, if anything, is still needed. The amount is worth looking at again when you get your licence, start contracting or take on a new loan. We can work through each part with you, and the insurer decides on the cover it offers.
The names can sound alike, so it’s worth reading any accident and sickness policy closely: how long it pays, what it covers and how it works out the amount it pays. Business insurance is arranged through a general insurer or a general insurance broker, and questions about that policy go to whoever arranged it.
Personal advice on income protection starts from your duties, hours, income and any cover in super, then compares policies from a wide range of insurers. We can look at your personal cover alongside any business policy you hold, so you can see where each one fits.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. For apprentices and contractors alike, we begin with the electrical work you do, how you’re paid and what you’d like protected.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. A payslip showing any allowances, your fund statements and any agreement or insurance documents are useful to have on hand, and together we’ll agree on a practical next step.
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