Life Insurance and Income Protection for Nurses
Income Protection for Nurses and Their Families
Your duties, hours, pay and any cover in super shape how income protection, life, TPD and trauma cover can work for you. We help you review any cover you hold, apply with care and revisit it as your career changes.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Set out your clinical duties, patient handling and weekly hours for a cover application
- Check whether any shift loadings, penalties and overtime count as income under a policy
- Choose a waiting period with your leave balance in mind, or any savings if you work casual shifts
- Weigh up how a TPD definition would treat the physical side of nursing work
- Read what any cover in each of your super accounts provides, from the fund’s PDS
- Plan cover around parental leave, part-time hours or a career break
- Review your cover when you move into management, education or private practice
- Explain how workers compensation and personal cover sit side by side
- Look at a partner’s cover in the same conversation, if you’d like it considered
- Lodge a claim with you, with your duties, hours and pay records gathered
Who We Help
- Graduate nurses and midwives in their first year of practice
- Enrolled and registered nurses working nights, weekends or a rotating roster
- AINs and hospital PCAs on casual or part-time shifts
- Agency and pool nurses working shifts across more than one hospital or facility
- Nurses and midwives planning parental leave
- Nurse unit managers and educators moving into roles with different duties and pay
- Nurse practitioners and midwives setting up in private practice
- Nurses back at work after a strain or injury
- Experienced nurses stepping back from shift work
What we advise on
How Each Cover Works for Nursing Work
Income Protection
How might the bills be met if illness or injury kept you from nursing for a while?
Part of your income can be paid after a waiting period, helping your household keep up with everyday costs.
We can compare or review income protection with you around nursing pay that can vary from week to week.
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 your illness or injury. The policy’s definition of income decides whether any shift loadings, penalties and overtime are counted, and a waiting period can be set against any sick leave you have.
What we work through with you on income protection:
- Any shift loadings and weekend penalties, and whether the policy’s income definition counts them in the insured amount
- Any overtime that changes from roster to roster, and how a 12-month earnings figure would reflect it
- A waiting period set against your sick leave balance, or against any savings if you work casual shifts
- Payments to a set age or for a set number of years, if a policy offers either for nursing, planned around your career
- Minimum weekly hours set by some policies, checked against part-time or casual shifts before you apply
- A year with fewer shifts, such as study or leave, and how it could lower a benefit based on earnings
- Reduced shifts on a graduated return to nursing, and whether the policy pays a partial benefit for them
- Income from a second job or agency shifts, and whether a policy would count it in the insured amount
Life Insurance
Would your loved ones have what they need to keep up with the bills if you were no longer here?
Life cover can pay your beneficiaries a lump sum, helping your loved ones with the bills and the years ahead.
We’ll work out a life cover amount with you from any debts and the costs your loved ones would face.
Life insurance can pay a lump sum to your beneficiaries if you pass away. Any life cover in your super is a set amount and usually ends at an age set in the fund’s insurance terms, so it’s worth knowing what each account holds.
What we work through for life cover:
- Any home loan, personal loans and card balances, added up when working out a life cover amount
- Each super account’s life cover, totalled so you can see what, if anything, is already in place
- Beneficiary nominations on each super account, and whether each nomination is binding on the fund
- Life cover held outside super, which can stay in place if you change employers or funds
- A partner’s own life cover, looked at in the same conversation if you’d like it considered
- A household relying on one nursing income, if that’s your situation, and what a lump sum may need to cover
- Life cover during a career break or unpaid leave, with premiums for any cover in super still taken from your balance
- Life cover reviewed if you take on a mortgage or move to a larger home
TPD Insurance
Where would the money for your plans come from if you could never work again?
TPD cover can pay a lump sum if you can’t work again, as the policy defines it, helping fund your plans.
Together, we’ll compare TPD definitions against the hands-on work of nursing and the other work your skills suit.
TPD insurance can pay a lump sum if illness or injury means you’re unlikely to work again, as the policy defines it. Own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience, which for a nursing qualification can include non-clinical roles. Own occupation cover is usually only available outside super, and which definitions are offered can depend on the occupation.
What we compare with you for TPD:
- Non-clinical roles a nursing qualification could suit, such as education or case management, under an any occupation definition
- Own occupation TPD, which looks at your usual nursing role, and whether a policy outside super offers it for nursing
- Activities of daily living tests, used in some TPD definitions, compared with a test based on your nursing work
- Patient handling, lifting and long hours on your feet, described accurately in any TPD application
- TPD cover in super, which usually ends at an age set in the fund’s insurance terms, checked before your later nursing years
- TPD linked to life cover on one policy, where a TPD payment reduces the life cover left for your loved ones
- A TPD payment from super, which can be taxed, with the detail confirmed by an accountant
- Any existing TPD from an earlier nursing role or fund, read before any move or rollover
Trauma Insurance
If a serious illness meant treatment and time away from the ward, what could help meet the costs?
A lump sum for treatment and recovery can be paid for a listed condition that meets the policy’s definition and isn’t excluded.
Together, we’ll read the conditions a trauma policy lists and how each definition is worded.
Trauma insurance can pay a lump sum if you meet the policy’s definition for a listed condition, and medical definitions can differ between insurers. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014. Trauma insurance does not cover mental health conditions (Moneysmart).
What we read with you in a trauma policy:
- Each listed condition’s medical definition, read with you before you choose between trauma policies
- Less severe forms of a listed condition, where some policies pay a smaller amount
- Time away from work during treatment, and how a lump sum could sit alongside any sick leave
- Treatment costs outside Medicare, such as specialist fees or travel, and the trauma sum that could meet them
- Paying for a trauma policy from your nursing pay, as new trauma cover can’t sit in a super fund
- A slower return to nursing after treatment, and a trauma sum chosen with that time in mind
- Trauma alongside income protection, so a lump sum and any monthly benefit are seen side by side
- Older policies inside a fund that still include trauma, if you hold one, read with you before you roll over
Cover in Super
Does any cover in your super still suit the role and hours you work now?
Checking each account before you change funds can help you keep cover that suits the work you do.
We can read any cover in each super account 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. Cover also doesn’t start automatically for a new member under 25 or with a low balance, unless they opt in.
What we look at in your super with you:
- Any cover in each fund, whether in units or a set amount, compared with what your nursing pay would need to replace
- Income protection in super, and the benefit and waiting periods your fund’s insurance terms offer or set by default
- Your occupation as each fund records it, kept current if you move into agency, management or education roles
- Insurance for members under 25, which doesn’t start automatically unless you opt in with the fund
- A second fund from agency work or another job, if you have one, and any cover and premiums of its own
- Consolidating any accounts, done only after we check any cover each one holds
- An older public sector scheme, if you belong to one, and its terms read before you leave it
- Premiums deducted from your super balance, and their effect on what you’ll have at retirement
Leave, Breaks and Part-Time Hours
As your hours change through leave or part-time years, how could your cover change with them?
Reviewing cover at each change can help it fit the hours and pay you have at every stage.
Together, we’ll plan your cover around parental leave, part-time hours, study or a break from nursing.
Paid sick leave doesn’t build up during unpaid parental leave, and casual employees don’t receive it. Some income protection policies only cover you if you work a minimum number of hours each week, and a benefit is usually based on your earnings in the 12 months before an illness or injury.
What we plan with you around time away:
- Parental leave inside the 12 months a benefit is based on, and how it could change a claim amount
- Part-time hours below a policy’s minimum weekly hours, checked before you reduce your contract
- Premiums during unpaid leave, and keeping cover outside super in force while your pay pauses
- Contributions that pause during a break, while premiums for any cover keep coming out of your super balance
- Study years with fewer shifts, such as a midwifery or postgraduate course, and the income a policy would insure
- A career break, and reviewing your cover with you before you return to nursing
- Non-practising registration or a long break, and how your occupation is described on any policy you hold
- Nursing overseas for a time, and how any policy you hold treats work and residence abroad
Describing Your Nursing Work
What helps an insurer understand the nursing work you do?
An accurate picture of your duties, setting and hours from the start can help each application reflect the work you do.
We can describe your duties, setting and weekly hours with you on each application, in plain terms.
Insurers usually ask about your age and job when you apply, and at claim time they can ask about your duties, including physical requirements, and the hours you work each week. Since 5 October 2021, the duty when applying for consumer life cover is to take reasonable care not to make a misrepresentation, which means answering the questions asked with reasonable care. Which definitions and benefit periods are offered can depend on the occupation.
What we set out with you on an application:
- Your setting, such as a ward, theatre, community, aged care or agency work, named accurately on the application
- Patient transfers, lifting and time on your feet, described as they happen on a typical shift
- Clinical time against management or education time, if your role mixes both
- Any night, weekend or rotating shifts, listed as part of how and when you work
- Hours each week across every employer, given as they are rather than rounded up or down
- A second job, whether in nursing or another field, with the duties of each role set out on the form
- Midwifery or nurse practitioner scope of practice, explained where the role differs from general nursing
- A change of role while an application is being assessed, raised with us so the application stays accurate
Making a Claim
When the time comes to claim, what support could make each step clearer?
Support lodging and following up a claim can leave you more time for what matters to you.
We can lodge a claim with you, gather what the insurer asks for and follow it up.
If you bought cover through a financial adviser, Moneysmart suggests speaking to them first. A claim can ask for medical reports, details of your work duties, including physical requirements, and the hours you work each week, plus payslips or tax returns. The insurer assesses the claim. A complaint goes first to the insurer or, for cover in super, the fund, and then to AFCA if it isn’t resolved.
How we help with a claim:
- Duties and weekly hours evidence, set out from rosters, a position description or other work records
- Payslips showing shift loadings and penalties, gathered for the period a benefit is based on
- Ward, clinic or specialist reports on your condition and your nursing duties, which the insurer will ask your consent to obtain
- Claims through each super fund that holds cover, lodged with the fund and followed up with you
- Workers compensation running alongside a personal claim, with each kept clear for the scheme and the insurer
- Partial benefits during a return to reduced shifts, claimed where the policy provides them
- Ongoing paperwork while an income protection benefit is paid, such as progress claim forms, completed together
- A complaint path if a claim isn’t resolved, first with the insurer or super fund and then with AFCA
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your duties: Insurers usually ask about your job when you apply. Your setting, patient handling and day-to-day duties are part of describing your work accurately, and the insurer decides how it views them.
- Your hours: Some policies only cover you if you work a minimum number of hours each week, which is worth checking if you work part-time, casual or agency shifts.
- 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 shift loadings, penalties and overtime are counted.
- Physical work: Own occupation TPD looks at your usual job, including its physical side, while any occupation looks at work suited to your education, training or experience. Which definitions are offered can depend on the occupation.
- A new role: Moving from AIN to EN or RN, or into management or education, can change your duties and pay. A policy you hold may have an option to increase cover after certain events, such as a pay rise, within a set time.
- Fewer hours or a break: Part-time work, parental leave or time overseas can change your hours and earnings, while premiums for any cover in super keep coming out of your balance.
- Going out on your own: In private practice on an ABN, your income shows in business records rather than payslips, and the duties of the new role are part of describing your work.
- An injury or time off: After a back or shoulder strain, an insurer may ask when it happened, about time off and treatment, your duties now, and any workers compensation claim.
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 Nursing Cover, Worked Through Together
Your Nursing Duties Set Out
Your setting, patient handling and weekly hours described in full on any application.
Shift Pay Read Against the Wording
How a policy counts any shift loadings, penalties and overtime, read through with you.
Each Super Account Mapped
Any cover in each of your super accounts listed, with what it provides and where it ends.
Workers Comp and Cover Side by Side
How workers compensation and your personal cover sit together, explained in plain terms.
A Waiting Period Weighed Against Leave
An income protection waiting period chosen with any sick leave or savings in mind.
TPD Wording Read for Nursing
How an any occupation test views nursing skills, and whether own occupation is offered for nursing.
Cover Revisited at Each Career Step
Cover looked at again when you go part-time, take leave, change roles or start in private practice.
A Claim Lodged With You
A claim lodged with you and followed up, with your duties, hours and pay records attached.
Proactive, Holistic, and Experienced Financial Planning
Your cover should make sense to you before you rely on it. We begin by listening: to how your work runs, what you earn and what you’d like cover to do for you. Then we explain each type of cover in plain terms, take your questions as they come and go at your pace. You’ll usually receive our recommendations in writing, and you’ll read each application before it’s sent. The decisions along the way stay yours.
We share the paperwork with you. With your consent, we can ask any fund that holds cover for you for its insurance details, prepare applications alongside you and stay in contact with insurers while they assess them. If you’d like a partner or family member involved, they’re welcome in any conversation. If you ever need to make a claim, we’ll lodge it with you and follow it up with the insurer, keeping you informed at each step.
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 nursing career, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Nursing work can mean shifts, physical care, part-time or agency hours, and breaks for study or family. Each can affect how an insurer assesses an application and how a policy pays, so your role, hours and pay 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.
When you apply, an insurer usually asks about your age, your job and your income, and the questions can reach into your duties and the hours you work each week. For nursing, that can mean your setting, how much patient handling and lifting the role involves, and whether you work nights or a rotating roster.
The insurer decides how it views each answer, and which definitions and benefit periods it offers can depend on the occupation. We’ll help you describe your work accurately on the application, so you can answer each question with reasonable care and each answer reflects the nursing you do.
Workers compensation is separate, through a state, territory or Commonwealth scheme. It’s for illness or injury because of work, and if you’re eligible it may cover some of your wages and medical costs. Each scheme is governed by different laws, so what it provides varies.
Income protection can pay part of your income after a waiting period if illness or injury stops you working, whether or not it happened at work, subject to the policy’s terms. Some policies and funds reduce a benefit by any workers compensation payments, so we’ll read the wording with you. Questions about a workers compensation claim itself go to the scheme.
Free, confidential support is available from Beyond Blue on 1300 22 4636 and Lifeline on 13 11 14.
If contributions pause during unpaid leave or a break, the premiums for any cover in super still come out of your balance, so each account is worth checking.
Income protection is usually based on your earnings in the 12 months before an illness or injury, so a period of leave can affect what a benefit would be. Some policies also only cover you if you work a minimum number of hours each week. We can look at each policy with you before your leave starts and again when you return.
TPD insurance can pay a lump sum if illness or injury means you’re unlikely to work again, as the policy defines it. Own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience.
A nursing qualification and clinical experience can suit roles away from the bedside, such as education, administration or case management, so under an any occupation definition those roles may be considered. Own occupation cover is usually only available outside super, and which definitions are offered can depend on the occupation. The insurer assesses any claim, and we’ll compare the wording of each definition with you.
Nurses and midwives need professional indemnity insurance arrangements in place to practise. It’s insurance against civil liability from your practice, such as a claim arising from a negligent act, error or omission. It responds to claims made against you, not to a loss of your own income.
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. Life, TPD and trauma cover are separate again, each paying a lump sum as its policy defines. However your professional indemnity insurance is held, we look at personal cover on its own terms.
Casual employees don’t receive paid sick leave, so for casual agency shifts an income protection waiting period can be weighed against any savings rather than leave. If you work through more than one employer, contributions may reach more than one super fund, and each may hold its own cover.
In private practice on an ABN, an insurer may ask for business records or financial statements rather than payslips to show your income, and your duties in the new role are set out again. We’d review any cover you hold before the move, so we can see how each policy describes the work you’ll be doing.
A quote online can be quick, and it’s a reasonable place to start comparing. Moneysmart notes that if an insurer doesn’t ask for your medical history, the policy may have more exclusions or narrower policy definitions. For nursing work, the income definition and how the policy treats your occupation are the parts to read closely.
Advice starts from your duties, hours, pay and any cover in super, then compares wording across a wide range of insurers. Every application question still needs answering with reasonable care, and you’ll have any terms explained before you accept.
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. Wherever you are in your nursing career, we start by talking through your work, your hours and what you’d like your cover to do.
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. It helps to bring any super statements, policy schedules and recent payslips, and we’ll outline a sensible first step.
No medical records are requested at that first conversation.
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Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.
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