Income Protection | Pinnacle Life

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class="icon icon--s" aria-hidden="true"> <use xlink:href="#icon-arrow-left"></use> </svg> Customer support </a> </div> <div class="l:col-start-4 l:col-end-12"> <header class="mb-m"> <h1 class="heading--page">FAQs</h1> </header> </div> </div> <div class="support-page-body global-grid l:grid-rows-1"> <div class="scroll-nav-ui l:col-start-1 l:col-end-4 l:row-start-1 l:row-end-2 l:pr-8"> <div class="scroll-nav-ui__inner top-0 l:sticky l:top-header-height"> <nav class="scroll-nav scroll-nav--static"> <ul class="scroll-nav-items"> <li> <a class="scroll-nav-link " href="/customer-support/faqs/life-insurance"> <span class="scroll-nav-link-label">Life Insurance <span class="count">15</span></span> </a> </li> <li> <a class="scroll-nav-link is-active" href="/customer-support/faqs/income-protection"> <span class="scroll-nav-link-label">Income Protection <span class="count">13</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/critical-conditions-cover-faq"> <span class="scroll-nav-link-label">Critical Conditions Cover <span class="count">11</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/disability-cover-faq"> <span class="scroll-nav-link-label">Disability Cover <span class="count">7</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/general"> <span class="scroll-nav-link-label">General <span class="count">7</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/claims-faq"> <span class="scroll-nav-link-label">Claims <span class="count">4</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/getting-a-policy"> <span class="scroll-nav-link-label">Getting a policy <span class="count">13</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/once-your-policy-is-in-place"> <span class="scroll-nav-link-label">Once your policy is in place <span class="count">14</span></span> </a> </li> <li> <a class="scroll-nav-link " href="/customer-support/faqs/covid-19"> <span class="scroll-nav-link-label">COVID-19 <span class="count">7</span></span> </a> </li> </ul> </nav> <figure class="media media--aside aspect-6x11 rounded-pill max-l:hidden"> <picture> <img src="https://www.pinnaclelife.co.nz/pinnaclelife2024-prod/Pages/About/_800x1067_crop_center-center_95_none_ns/234/Image.webp" alt="" sizes="auto" width="568" height="757" class=" " > </picture> </figure> </div> </div> <div class="l:col-start-4 l:col-end-13 l:row-start-1 l:row-end-2"> <section class="support-faqs global-grid border-t border-divider pt-m m:pt-l xxl:grid-cols-9"> <div class="accordions xxl:col-start-1 xxl:col-end-9"> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What’s the difference between Life Insurance and Income Protection cover?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Life insurance provides a one-time payment if you die or are diagnosed with a terminal illness, while income protection provides regular payments to replace part of your income if you can't work due to illness or injury. At Pinnacle Life, you can purchase both types of cover together or separately, depending on your needs.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What is the difference between income protection and ACC?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>The main difference between ACC and Income Protection cover is that ACC covers loss of income due to accidents but not for illnesses, while Income Protection covers both accidents and illnesses. </p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What does income protection cover?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Income protection helps replace part of your income if you can't work due to illness or injury. At Pinnacle Life our Income Protection policy will cover up to 75% of your income.<br />It's also important to note that some situations aren't covered, like pre-existing conditions, self-inflicted injuries, mental health conditions, redundancy, and certain dangerous jobs or hobbies.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How much does income protection insurance cost?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Income Protection monthly premiums are based on the cover you want, how long you want to wait before your payments kick in and how long you want the payments to continue. You choose these when you take out cover. Get a personalised quote in just 30 seconds to find out exactly what it would cost you. </p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How long does it take to get income protection?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Applying for Pinnacle Life Income Protection cover can take as little as 10 minutes. Most customers will be covered instantly, but sometimes, we may ask for more information.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Can I get income protection if I am self-employed?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Yes, you can get Income Protection if you're self-employed as long as you’ve been averaging working at least 30 hours per week over a two-year period.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">How do I apply for income protection with Pinnacle?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p><a href="https://pinnaclelife2024.fastly.deploy.net.nz/quote" target="_blank" rel="noreferrer noopener">Apply</a> online for Income Protection cover in just 10 minutes. Get a personalised quote in 30 seconds by entering some basic details - your gender, age, and smoking status.<br /> </p><p>Then customise your cover by adjusting:<br />● The percentage of your pre-tax income covered (up to 75%)<br />● The length of time you receive payments<br />● The waiting period before payments start.<br /> </p><p>When you're happy with your cover and monthly premium, answer a few health questions, set up your payment, and you're covered!</p><p>Need help? Our team is here to support you every step of the way. Contact us <a href="https://www.pinnaclelife.co.nz/contact">here</a>. </p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What is income protection insurance?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Income protection insurance takes care of you and your family if you become temporarily unable to work due to an accident, illness, or injury. It means you receive a monthly payment to account for your loss of earnings to ensure that life’s necessities can be paid for as usual until you’ve recovered.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What does income protection cover?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Income protection insurance covers you for sickness, as well as accidents or injury that prevents you from working. ACC does not cover you for illness, so income protection insurance can be a great option to cover your bases.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Do I need income protection insurance?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>Statistics show that the most common reason New Zealanders are unable to work for an extended period of time is due to illness. ACC will only cover you for an accident or injury in this instance. Make sure you’ve got the cover that you need with income protection insurance from Pinnacle Life.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">What are the differences between income protection and ACC?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>If you are unable to work due to illness or injury, our income protection cover can help replace your lost income, so that the bills can still be paid, and stress on the family is reduced while you recover.</p><p>In NZ we are lucky to have ACC, however, ACC doesn’t cover you when you can’t work due to sickness. Statistics show the most likely reason that you may not be able to work for an extended period of time is an illness. ACC will pay a maximum of up to 80% of your income as weekly compensation if you’re unable to work due to an injury.</p><p>The maximum cover that Pinnacle Life can provide under our Income Protection Cover is 75% of your income.</p><p>If ACC are replacing 80% of your income, your income protection cover won’t top you up to 100% however, if you are receiving less than 75% from ACC, we may be able to top you up to 75%. Any income that you receive while you are off work, whether it is from ACC, WINZ or another insurance policy, will affect our payments to you.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">Does it matter if I have other income protection policies?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>If you have an income protection product elsewhere already, we suggest you talk to us before taking out another policy, as you may not be able to claim on both policies. If it comes time to claim, and you receive income from other sources eg ACC or another government agency, this will be offset against your income protection payments.</p> </div> </div> </div> </details> <details class="accordion" > <summary class="accordion__summary relative"> <div class="accordion__heading"> <h3 class="m-0 text-pretty">If I change jobs do I need to let you know?</h3> </div> <div class="indicator"> <svg class="indicator-icon icon icon--accordion" aria-hidden="true"> <use xlink:href="#icon-accordion-indicator"></use> </svg> </div> </summary> <div class="accordion__content"> <div> <div class="wysiwyg text flex-1"> <p>With income protection, you don’t need to let us know if you have changed employment. However, if changing employment has changed your pre-tax income, contact us to ensure that your level of cover is appropriate for your new income levels.</p> </div> </div> </div> </details> </div> </section> </div> </div> </div> </section> <footer class="site-footer region theme--a"> <div class="region-inner global-grid wrapper gap-y-8"> <div class="m:col-span-3"> <div class="flex items-center justify-between gap-12 m:flex-col m:items-start"> <a href="/" class="site-footer__logo"> <img src="/images/logo-pinnacle-life--footer.svg?v=2" alt="" class="max-nav:hidden" /> <img src="/images/logo-pinnacle-life-symbol--invert.svg?v=2" alt="" class="w-12 nav:hidden" /> <span class="sr-only">Pinnacle Life</span> </a> <nav class="site-footer__social"> <ul class="flex gap-2"> <li> <a href="https://www.facebook.com/pinnaclelifenz/?fref=ts" target="_blank"> <svg xmlns="http://www.w3.org/2000/svg" width="31" height="31" fill="currentColor" viewBox="0 0 31 31"><path d="M30.955 15.477C30.955 6.93 24.026 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