16/06/2026
The number one cause of income protection claims in Australia isn't an accident, and it's not cancer.
It's mental health. 29% of all claims.
Most people who take out income protection are picturing a broken leg or a surgery. Something physical and visible. Something that happens to other people.
Mental health conditions don't announce themselves in advance. They don't wait until it's convenient. And they can make working impossible in ways that are just as real as any physical injury.
If your income protection policy doesn't include mental health cover, or if you don't have income protection at all, that's a gap worth knowing about.