{"id":14819,"date":"2020-02-19T14:37:30","date_gmt":"2020-02-19T03:37:30","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=14819"},"modified":"2020-02-20T16:25:08","modified_gmt":"2020-02-20T05:25:08","slug":"income-protection","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/income-protection\/","title":{"rendered":"Major and important changes to income protection insurance"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"14818\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/insurance-changes-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/02\/Insurance-changes-Email.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Insurance changes &#8211; Email\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/02\/Insurance-changes-Email.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/02\/Insurance-changes-Email.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/02\/Insurance-changes-Email.png?resize=1000%2C250&#038;ssl=1\" alt=\"Major and important changes to income protection insurance \" class=\"wp-image-14818\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/02\/Insurance-changes-Email.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/02\/Insurance-changes-Email.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/02\/Insurance-changes-Email.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>I wrote <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/wealthcoach.com.au\/stage\/personal-insurance-hard-to-get\/\" target=\"_blank\">a blog<\/a> in December last year about how difficult personal risk insurance (e.g. income protection, Life and TPD) is becoming to obtain. In addition, in December, the government directed Australian insurers to make some very significant changes to their products. I have been waiting to measure the insurers response to these directives. These changes will have a significant impact on your future insurance options.<\/p>\n\n\n\n<iframe loading=\"lazy\" src=\"https:\/\/webplayer.whooshkaa.com\/episode\/576686?theme=light&amp;enable-volume=true\" height=\"190\" width=\"100%\" scrolling=\"no\" frameborder=\"0\" allow=\"autoplay\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\">What is currently offered<\/h3>\n\n\n\n<p>Before I discuss\nthe changes that the government has asked for, it\u2019s important to appreciate the\nstatus quo. Most income protection policies have four main variables: <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. Benefit amount <\/h4>\n\n\n\n<p>This is the amount of income you are insured for. Most insurers allow you to insure up to 75% of your current gross income (not 100%, otherwise there\u2019s little financial incentive to return to work). Benefit amounts are typically expressed as a monthly amount. The monthly benefit is taxed at your marginal tax rates \u2013 so a $10,000 benefit will result in an income of circa $7,140 per month after tax. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. Waiting period <\/h4>\n\n\n\n<p>This is the period\nof time you must be incapacitated for before you are able to claim a benefit\nfrom the insurer. Typically, the options include 30 days, 60 days, 90 days, 6\nmonths or 2 years. Often, the most economical wait period is 90 days. Benefits\nare paid one month in arrears. So, a 90 day wait period means you won\u2019t receive\nany income for 4 months. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. Agreed or indemnity <\/h4>\n\n\n\n<p>If a policy is\nagreed value, it means that if you become fully incapacitated, you will receive\nthe benefit irrespective of the level of your income prior to you becoming\nincapacitated. Therefore, someone could have an agreed value policy for\n$10,000, subsequently become unemployed and then have an accident and they will\nbe paid the full benefit. <\/p>\n\n\n\n<p>Alternatively,\nan indemnity policy requires the insurer to measure your level of income in the\nperiod prior to you becoming incapacitated and pay the lesser of up to 75% of\nthat amount or your insured benefit. This means, if your income was nil, you\nwould not receive a benefit, despite paying the premiums for insurance cover (I\nelaborate on this further below). <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4. Benefit period <\/h4>\n\n\n\n<p>The benefit\nperiod is how long you will receive a benefit for whilst you are still fully or\npartially incapacitated. Given we want protection against long term incapacity,\nwe typically advise clients to obtain a benefit period to age 65. This means if\nyou become incapacitated, the insurer will keep paying you until you attain age\n65. <\/p>\n\n\n\n<p><a href=\"https:\/\/wealthcoach.com.au\/stage\/income-protection-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">This blog<\/a> discusses income protection insurance in more detail. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why has the government stepped in?\n<\/h3>\n\n\n\n<p>According to the\nAustralian Prudential Regulatory Authority (<a href=\"https:\/\/www.apra.gov.au\/news-and-publications\/apra-intervenes-to-improve-sustainability-of-individual-disability-income\">APRA<\/a>), over the past 5 years, Australian insurance companies have lost $3.4\nbillion in respect to income protection policies. In the 9 months to September\n2019, they lost $1 billion alone. This means that insurers paid out a lot more\nmoney in benefits (to insured persons) than they received in premiums (and\ninvestment returns). <\/p>\n\n\n\n<p>APRA is worried\nthat insurers may start withdrawing from the Australian market. If they did,\nincome protection insurance would no longer be available, which would be to the\ndetriment of Australians. However, none of the insurance companies have been\nbrave enough to be the first one to make changes to their products or pricing\n(to make them more sustainable) \u2013 for fear of losing too much business. So, the\ngovernment has stepped in and forced the changes upon the whole industry. <\/p>\n\n\n\n<p>APRA has request\ntwo main changes be made. These are discussed below. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key change # 1: you may not\nreceive the benefit you have insured <\/h3>\n\n\n\n<p>APRA wants all\ninsurers to cease offering <em>agreed value<\/em> income protection policies from\n31 March 2020. In addition, they want insurers to ensure your total income\n(which could include compensation payments, annual leave, sick leave, etc.) does\nnot exceed 100% of your pre-disability income in the first 6 months of a claim.\nThis means if you receive other income, it may reduce your insurance benefit\n(possibly to nil). <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key change # 2: Maximum 5 year\ncontract terms and tighter rules for long term benefits &nbsp;<\/h3>\n\n\n\n<p>APRA wants\ninsurers to reduce contract terms to no more than 5 years. Currently, contract\nterms can be very long (e.g. until you are aged 65). This means insures cannot\nchange the terms of coverage over this period. However, APRA wants contracts to\nbe renewed every 5 years (without requiring medical underwriting). For example,\nyou may have a great quality policy today but in 5 years\u2019 time, the insurer\nmight reduce the comprehensiveness (and therefore quality) of the cover. This\ngives you two options (1) accept the lower quality product or (2) move to a\ndifferent insurance company (with the requirement of medical underwriting). <\/p>\n\n\n\n<p>Also, APRA wants\nto make it more difficult to continue to receive a long-term benefit (e.g. have\nstricter disability definitions for long benefit periods). <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Problems with indemnity value\npolicies <\/h3>\n\n\n\n<p>As discussed\nabove, indemnity value policies require the insurer to determine your\npre-disability income at the time of claim. Most insurance companies will\nmeasure this as the best consecutive 12 months period over a period of between\n2 and 3 years prior to becoming incapacitated. <\/p>\n\n\n\n<p>Therefore, if\nyour income reduces after you have established your income protection policy,\nit is possible that you are paying an insurance premium for a benefit that you\nwill never fully receive. This will more likely impact people that can experience\nvariability in income such as contractors and people that are self-employed. Employees\nthat have a career change could also be affected. <\/p>\n\n\n\n<p>Of course, if your income does permanently reduce after you have established an insurance policy, you could reduce the benefit amount to minimise the premium cost. However, the risk of doing this is that if you want to increase the benefit again in the future, you will be subject to full medical underwriting (testing). If you are in perfect health, this might not be much of a concern. However, <em>perfect health<\/em> in an insurer\u2019s eyes can be different to ours \u2013 which I\u2019ve explained <a href=\"https:\/\/wealthcoach.com.au\/stage\/personal-insurance-hard-to-get\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">here<\/a>. As such, you might find it difficult (impossible) to increase the benefit at a later stage. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can you lock-in a higher agreed value benefit prior to 31 March 2020? <\/h3>\n\n\n\n<p>No. Insurers are not offering agreed value contracts to\nexisting customers. If you apply to increase your benefit on an existing policy,\nyou will be offered indemnity value only. That said, most insurers are still offering\nagreed value on new policies until 31 March 2020. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cover insider super is unaffected <\/h3>\n\n\n\n<p>Income protection cover inside your super fund has always been indemnity value (no agreed value was ever available). It had to be indemnity value in order to comply with the super release rules. Therefore, the changes discussed above only affect policies held in your personal name. As I have explained further in <a href=\"https:\/\/wealthcoach.com.au\/stage\/income-protection-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">this blog<\/a>, income protection insurance inside super often does not provide an adequate level of cover. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What action should you take as a result of this change? <\/h3>\n\n\n\n<p>If you don\u2019t have any income protection insurance and\nneed it, you should arrange it now whilst agreed value policies are still\navailable. <\/p>\n\n\n\n<p>If you have existing income protection insurance cover\nand you want to cancel the cover or switch providers, be very careful with this\ndecision. It is likely that you will never get a replacement policy that is\nagreed value, and this might expose you to higher risk. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do you need our advice? <\/h3>\n\n\n\n<p>If you would like us to review your insurance cover, we would be happy to do so, as part of our holistic financial advisory service. To find out more above this, simply email <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"mailto:kdishon@prosolution.com.au?subject=From%20income%20protection%20blog%20\" target=\"_blank\">Kristy Dishon<\/a> directly. <\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>I wrote a blog in December last year about how difficult personal risk insurance (e.g. income protection, Life and TPD) is becoming to obtain. In addition, in December, the government&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[301],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Major and important changes to income protection insurance<\/title>\n<meta name=\"description\" content=\"Income protection insurance is changing significantly which may impact your ability to protect your family and your wealth.\" \/>\n<meta name=\"robots\" content=\"noindex, 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