Life Insurance and Income Protection for Teachers
Income Protection for Teachers and Their Families
Any sick and extended leave, how you’re paid, any part-time or leave years ahead and any cover in super shape your cover. We can help you check any cover, apply for new cover and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Set any sick leave days, special sick leave where your school system offers it and any extended leave beside when an income protection benefit would start
- Check how an income protection policy defines income for leadership pay, higher duties, allowances and incentive payments
- Describe your subjects, settings and practical duties, such as sport, workshops, camps or student support, on a cover application
- Compare TPD definitions inside and outside super with the tutoring, training or curriculum work a teaching degree could suit
- Read any insurance in each super account against its PDS before you change school, sector or state
- Plan personal cover around a deferred salary year, extended leave on half pay or a part-time return
- Review life and income protection amounts as pay steps and leadership roles change your income
- Show how workers compensation and any personal cover differ for a teacher, including in a year away from school
- Bring a partner’s life and income cover into one review when you both want it looked at
- Lodge a claim with you on any personal or super policy, then follow it up while the insurer assesses it, with workers compensation left to the scheme
Who We Help
- Graduate teachers taking up a first appointment
- Casual and relief teachers paid by the day
- Part-time teachers on a set fraction or a job share
- PE, technology and agriculture teachers and others in practical subjects
- Special education teachers in support classes or special schools
- Head teachers, deputies and principals leading a faculty or a whole school
- Teachers planning leave years such as a deferred salary year or long leave
- Teachers moving between sectors such as public, Catholic and private schools, or interstate
- Career changers moving from the classroom into other work
What we advise on
How Each Cover Works Around a Teaching Career
Income Protection
Beyond any sick leave you have, what could keep the household running through a long illness or injury?
Income protection can pay part of your income once a waiting period ends, so household plans can carry on.
Together, we’ll line up any sick leave you hold with an income protection waiting period and compare policies around it.
Income protection can pay part of your income if illness or injury stops you working, after a waiting period and subject to the policy’s terms. The benefit is usually based on your earnings in the 12 months before your illness or injury. Most policies offer a waiting period between 14 days and two years, and a benefit period of two or five years or up to a set age.
What we work through with you on income protection:
- Sick leave days banked across years of teaching, where your school system lets them accumulate, weighed when choosing a waiting period
- Any special sick leave your school system offers and any extended leave, counted in how long your employer would keep paying you
- Day-to-day relief teaching, which generally has no paid sick leave behind it, and any savings to cover the wait
- Head teacher or principal pay, higher duties allowances and any incentive payments, read against the policy’s income wording
- Half-pay extended leave or a reduced teaching load inside the earnings window a benefit is based on
- Some policies’ minimum weekly hours, set against a reduced teaching fraction or a job share arrangement
- Fewer classes while easing back into school, and any part payment a policy makes during that stage
- The cost of an income protection policy paid from teaching pay rather than a fund, and its deductibility, which your accountant confirms
Life Insurance
Which costs would the people who rely on you still face if you were no longer here?
Your beneficiaries could receive a lump sum to put towards any debts, daily costs and the years ahead.
We can total any debts and everyday costs with you to arrive at a life cover amount.
A life policy can pay a lump sum to your beneficiaries if you pass away, and some policies also pay on a terminal illness diagnosis. Insurers usually ask about your age and job when you apply. Where no beneficiary is named, your estate or, for cover in super, the super trustee may decide where the money goes.
What we work through for life cover:
- Any mortgage or rent, plus the household spending your teaching pay carries now, added up for a lump sum
- Any life insurance in the fund from a first teaching job and in any fund since, added up before one is closed
- Where a fund’s death benefit goes, limited to eligible people or your estate, and any nomination you make to guide it
- A household that relies on one teaching salary, if yours does, and the years a lump sum may need to last
- Dropping to part-time teaching, which changes household income, and the life amount looked at again then
- Life insurance held in your own name, which stays with you on its terms through a move between schools or sectors
- Cover held by a partner, if you share a household, compared with yours so both incomes are counted
- A step up to head teacher or deputy, or buying a home, as a point to revisit the sum insured
TPD Insurance
Should teaching, or any other work, stop being possible for you, what could keep your plans funded?
A TPD lump sum can go towards your plans if you meet the policy’s definition of being unable to work again.
We’ll read TPD definitions with you against teaching and the other work your qualification could suit.
TPD insurance can pay a lump sum if illness or injury leaves you 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. Own occupation cover is usually only available outside super, and TPD cover in super usually ends at an age.
What we compare with you for TPD:
- Tutoring, curriculum writing or education administration a teaching degree could suit, under an any occupation test
- Own occupation cover, usually only outside super, and whether an insurer will offer it for your teaching or leadership role
- Disability wording in any fund from a first teaching job, compared with any newer fund before money moves
- A medical retirement process run by your employer, kept separate from any TPD claim the insurer assesses
- Self-care tests in some TPD wording, such as washing and dressing, set beside tests about your usual job or any job
- Life and TPD bought as one bundle, where any TPD lump sum may lower the death cover still held
- The lump sum measured against any home loan and the plans you’d want to fund after leaving the classroom
- Tax on a disability benefit taken out of super, with your accountant working through the figures for your age
Trauma Insurance
Through treatment for a serious illness, what could help with the costs while you’re away from school?
Trauma cover can pay a lump sum towards treatment when a listed condition meets the policy’s definition and isn’t excluded.
Together, we’ll go through the listed conditions and definitions, and how a lump sum sits beside your leave.
Trauma insurance can pay a lump sum when you’re diagnosed with a condition the policy lists, if it 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. Trauma insurance does not cover mental health conditions (Moneysmart).
What we read with you in a trauma policy:
- How each insurer words the conditions on its trauma list, set side by side so differences show
- An illness diagnosed early, and the reduced amount some trauma policies pay before the full sum
- Money from a trauma claim to use while any sick leave days are spent during months of treatment
- Out-of-pocket treatment bills across a school term or longer, and a trauma amount sized to match them
- Teaching pay as the source of any trauma premiums, because new cover of this kind has been kept out of super since 2014
- A lump sum on diagnosis and a monthly income benefit, and how each could help during a long absence from the classroom
- A trauma policy you took out as a graduate, if you hold one, with its terms read before any switch of insurer
- Trauma benefits at tax time, a matter your accountant can set out for your own position
Cover in Super
Which parts of any cover in your super still suit the way you teach today?
Checking each fund before changing anything can help you keep terms worth having.
We’ll check any cover in each fund with you, setting out any change 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. Any income protection in super runs on the benefit and waiting periods your fund’s insurance terms offer or set by default, and premiums for cover in super reduce your super balance.
What we look at in your super with you:
- The fund your contributions went to at a first teaching job, if you didn’t pick one, and any default insurance it started
- Units of cover or a set dollar sum, compared with where you sit on the teacher pay scale today
- A fund’s own income protection, if it has any, and how its wait fits around any sick leave your school pays
- Accounts from casual relief work or an earlier career, each checked for cover before any of them is merged
- The job title each fund holds for you, kept accurate if you move into a head teacher role or leave the classroom
- How each PDS treats a health condition that started before you joined the fund
- The yearly cost of any insurance inside super, which comes off your super balance, set beside the sums that cover would pay
- Life and TPD in super that usually ends at an age, set beside how long you expect to keep teaching
Sick Leave, Workers Compensation and Your Cover
Knowing how any sick leave and extended leave work, where could cover of your own pick up?
Lining up each layer can show where a policy of your own could add to any leave and cover.
We can line up your leave, any workers compensation and any cover in super with you, then look at any gap.
Sick leave is set by your employment terms, and in some school systems an unused balance builds up from year to year. Some systems also let you take extended leave alongside unpaid sick leave once paid sick leave is used. Workers compensation is separate, through a state, territory or Commonwealth scheme, and covers a work-related illness or injury if you’re eligible. Income protection payments may be reduced by workers compensation and other payments, under each policy’s terms.
What we line up with you:
- Unused sick leave carried from year to year, where your school system allows it, counted as your first layer
- Special sick leave, which some systems may grant after long service once other sick leave is used, and its conditions
- Extended leave taken once paid sick leave is used, where your employer’s leave policy allows it
- A smaller sick leave balance in the first years of teaching, or none while working casually
- Workers compensation for a work-related illness or injury, if you’re eligible, handled by the scheme under its own rules
- Workers compensation and other payments that may reduce an income protection benefit, under each policy’s terms
- An income protection waiting period chosen with your leave balance and any savings in view
- Questions about leave rules that only your employer or the scheme can answer, listed with you to put to them in writing
Leave Years, Part-Time Years and Changing Schools
From a deferred salary year to part-time years or a new school, how could your cover keep step with each change?
Planning ahead for each change can help your cover fit the years you’re away, part-time or settling somewhere new.
We’ll look at what each change could mean for any cover you hold, before it starts.
In some state school systems, you can’t take sick leave or extended leave during a deferred salary leave year, and the employer’s workers compensation arrangements don’t cover you while you’re not at work. Income protection is usually based on earnings in the 12 months before an illness or injury, which a year away, half-pay leave or part-time years can change. Some insurers assess an application made during parental leave by when you plan to return to your usual duties.
What we plan with you around each change:
- A deferred salary year, and how any income protection policy treats a year with no teaching duties
- Extended leave on half pay, and the lower earnings it could leave in the 12 months a benefit uses
- Parental leave followed by a part-time return, and the insured amount reviewed at each step
- Premiums on any policy held outside super, planned for during unpaid leave when your salary pauses
- A move to a Catholic or private school, and what changes for leave, super and any cover
- Teaching interstate, where a different workers compensation scheme and leave policy may apply
- Leadership roles, and the increase options some policies offer after set events without new medical evidence
- Leaving teaching for other work, with any new application assessed on the job you hold when you apply
Making a Claim
If a claim is ever needed, who could help gather what the insurer asks for?
Having someone lodge the claim with you and follow it up can leave you more time for your health and family.
We can lodge a claim with you on a personal or super policy and follow it up while the insurer assesses it.
Moneysmart suggests that if you arranged cover through a financial adviser, you speak to them first. An insurer can ask for details of your work duties, including physical requirements, and your weekly hours, along with payslips or tax returns. The insurer assesses the claim, any workers compensation claim runs through the scheme separately, and a complaint goes first to the insurer or super fund, then to AFCA if unresolved.
How we help with a claim:
- The right first contact for a claim, whether that’s the fund, the insurer or Ryker for policies we recommended
- Your classes, subjects and any yard duty, sport or camp work, described as they were before you stopped
- Salary statements covering the year before the illness or injury, with any higher duties allowance listed
- A leave history from your school showing sick days and any extended leave already taken
- A doctor’s notes on the teaching duties you can’t manage, which the insurer will ask your permission to read
- A note from your school confirming your role, load and pay, if the insurer asks the employer for one
- Progress forms the insurer sends while you rebuild your teaching load, completed with you each time
- Sick leave still being paid during a claim, and how a policy treats that pay while it overlaps
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your subjects and duties: Insurers usually ask about your job when you apply. Classroom, practical subject, special education and leadership roles can involve quite different work, so your daily duties are part of describing it accurately, and the insurer decides how it views them.
- Your load and hours: Full-time, a part-time fraction and casual days each describe your work differently. Some policies only cover you above a minimum number of weekly hours, so your load is worth checking before any move to part-time or casual work.
- How you’re paid: A policy’s definition of income decides whether leadership pay, higher duties, allowances or incentive payments count. Income protection is usually based on what you earned in the 12 months before an illness or injury.
- Your leave balances: Any sick leave you’ve built up, special sick leave in some school systems and any extended leave affect how long your employer would pay you, and so the waiting period worth considering. Casual teaching generally comes without paid sick leave.
- A step into leadership: A move to head teacher, deputy or principal changes your duties and pay, so your cover amounts and how any policy describes your occupation are worth reading. Some policies let you increase cover after set events without new medical evidence.
- A year away or part-time years: A deferred salary year, half-pay leave or part-time years can change the earnings a policy looks at. In some state school systems, you can’t take sick leave during a deferred salary leave year, and the employer’s workers compensation doesn’t cover you while you’re away.
- Changing schools, sectors or states: A new employer can mean a different workers compensation scheme, and a sick leave balance may not move with you. Any cover stays with the fund that holds it, on that fund’s terms, so each fund’s cover is worth knowing before you combine accounts.
- Leaving the classroom: A move into other work changes the occupation an insurer would look at on any new application, assessed when you apply. A medical retirement is your employer’s process and a TPD claim is the insurer’s, each with its own test.
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 Teaching, Worked Through Together
Subjects and Duties Described
Your subjects, settings and any practical duties set out accurately on any application.
Sick Leave Lined Up With Cover
Any leave balance set beside an income protection waiting period, so you can see how the two connect.
Higher Duties and Allowances Checked
Leadership pay and any allowances read against a policy’s definition of income.
Every Fund’s Insurance Read
Any cover in each super account listed and read against its PDS before any account is combined.
A Deferred Year Planned For
Any cover looked at before a deferred salary year, long leave or a part-time return.
Cover Read Before Changing Schools
Any cover read with you before a move of school, sector or state.
TPD Definitions Set Beside Teaching
Any own or any occupation wording read against your usual job and other work your qualification could suit.
Claim Lodged and Followed Up
Any claim lodged with you, and each request from the insurer answered with you while it assesses the claim.
Proactive, Holistic, and Experienced Financial Planning
Personal cover makes more sense when each part of it is explained in plain words. We begin by listening: how your school year runs, any leave you’ve built up, the plans you have for the years ahead and what you want cover to do for the people you care about. Then we go through each type of cover with you, at a pace that suits you. Our recommendations usually come to you in writing, and each decision is yours.
We also share the paperwork. With your consent, we can gather insurance details from any fund that holds cover for you, prepare what an application needs and keep in touch with insurers while they assess it. You’re welcome to bring a partner, a parent or anyone close to you into these conversations. If you ever claim on a policy, we’ll lodge the claim with you and keep you updated until the insurer decides.
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 teaching work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Teaching can mean a sick leave balance that changes over a career, leave or part-time years, practical duties and pay that moves with leadership roles and allowances. Each can affect how an insurer assesses an application and how cover pays, so your leave, duties 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.
A waiting period is the time between stopping work and when income protection payments can start, and most policies offer one between 14 days and two years. Any sick leave you’ve built up, special sick leave in some school systems and any extended leave all bear on how long your employer would keep paying you. Casual teaching generally comes without paid sick leave.
A longer waiting period and a shorter one each have trade-offs, and a leave balance can change over a career. The policy’s terms decide how its waiting period works, and your employer can confirm your balance and the rules behind it. We can set your leave beside the options with you.
In some state school systems, you can’t take sick leave or extended leave during a deferred salary leave year, and the employer’s workers compensation arrangements don’t cover you while you’re not at work. Your employer’s leave policy sets the rules for any scheme you join.
Income protection is usually based on your earnings in the 12 months before an illness or injury, so how any policy treats a year away from work is worth reading before the year starts. Premiums for cover in super come out of your super balance, and premiums on any policy held outside super are worth planning for. We can read any cover you hold with you before your year away begins.
Workers compensation is separate, through a state, territory or Commonwealth scheme. It covers a work-related illness or injury if you’re eligible, including some of your wages while you recover, and the scheme handles its own claim under its own rules.
Income protection isn’t limited to events at work. It can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms, and workers compensation and other payments may reduce the benefit. We can read each layer with you so you can see how they would work together.
Free, confidential support is available from Beyond Blue on 1300 22 4636 and Lifeline on 13 11 14.
The two are separate processes run by different parties. A medical retirement is your employer’s process, which looks at whether you can continue in your teaching role, and it can involve a medical examination your employer arranges.
A TPD claim is assessed by the insurer against the policy’s own definition. An own occupation definition looks at your usual job, while an any occupation definition looks at any job suited to your education, training or experience. One process doesn’t decide the other. We can read the TPD definition with you and lodge any claim with you, while your employer runs its own process.
Insurers usually ask about your job, income and medical history when you apply. For teaching, that can include your subjects and settings, any practical work such as sport, workshops, agriculture or science classes, camps and excursions, physical support for students, any time in leadership and your weekly load.
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. The insurer decides how it views your work. We can go through each question with you so your application reflects the work you do.
When you start a new job, your employer generally pays into your existing super fund unless you choose another; a default fund applies only if you have no fund. Any cover stays with the fund that holds it, on that fund’s terms.
A new employer may also be covered by a different workers compensation scheme, and a sick leave balance may not move with you. If you’re thinking about combining super accounts, Moneysmart suggests checking the insurance in each one first. We can read any cover in each fund with you before you move or combine anything.
Quotes you get online generally come with general information or general advice only, which doesn’t consider your personal circumstances. An online quote won’t usually set a waiting period against your leave, read the cover in each of your super funds or plan around a deferred year or a part-time return.
Personal advice starts from any cover you hold and how you work, then compares policies from a wide range of insurers where a gap is worth filling. The insurer decides whether to offer cover and on what terms.
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. Graduate or principal, casual or part-time, we start with how you teach, any cover you hold and what you’d like it to protect.
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 recent payslip, a leave balance statement if you have one, each super statement and any policy schedule are useful to have on hand. There’s no need to bring medical records to the first conversation, and together we’ll agree on a practical next step.
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