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Specified Injury Benefit Option


Generally offered as either a built-in or extra optional benefit on your income protection policy, the Specified Injury Benefit Option can entitle you to receive a monthly benefit for a certain period if you suffer a specified injury.

How can I be eligible to claim the Specified Injury Benefit Option?

You will generally be eligible for the Specified Injury Benefit:

  • You selected the Specified Injury Benefit Option when applying for your policy or your policy has this feature built-in, and

  • You suffer one of the specified injuries outlined by your insurer, and

  • Your policy has a waiting period of 3 months or less

If you satisfy the above conditions you will generally be eligible to receive the Specified Injury Benefit regardless of whether you are capable of returning to work.

What are the Specified Injuries that you can claim on?

Specified injuries that can be claimed upon with the Specified Injury Benefit Option will generally vary between insurers and will be outlined in their Product Disclosure Statement. Generally, specified injuries will include some forms of paralysis, loss of sight, loss of use of limbs, and various types of fractures.

How long is the Specified Injury Benefit Option payment period?

The length of the benefit period for the Specified Injury Option will depend on the particular specified injury that you are claiming on. Payment periods can vary between insurers but generally range from up to 60 months for some forms of paralysis, up to 24 months for loss use of limbs or sight, and up to 3 months for fractures.

Your insurer’s PDS will specifically outline the benefit periods for each specified injury. Below is a sample list of specific injuries and their corresponding payment periods:

Specified Injury Payment Period (in months)
Paralysis (Quadriplegia, Paraplegia, Diplegia and Hemiplgia) 60
Loss of:  
Both feet or both hands or sign in both eyes 24
Any two of a foot, a hand and sight in one eye 24
One leg or one arm 18
One foot or one hand 12
Sight in one eye 12
The thumb and index finger of one hand 6
Fracture of the:  
Thigh (femur) 3
Pelvis 3
Leg (below the knee and above the ankle – tibia and fibula) 2
Knee cap (patella) 2
Upper arm (humerus) 2
Shoulder bone (scapula) 2
Jaw (maxilla and mandible) 2
Forearm (above the wrist – radius and ulna) 1.5
Collarbone (clavicle) 1.5
Heel (calcaneous) 1


When do you start receiving the Specified Injury Benefit?

If you satisfy the above eligibility requirements the Specified Injury Benefit you will generally start being entitled for your benefit from the date of injury and completion of the claim forms.

When you actually receive your monthly benefit will depend on the payment schedule of your insurer, that is, the monthly date that they usually issue payments to their policy holders.

The Specified Injury Benefit as a Lump-Sum payment

Select insurers offer the Specified Injury Benefit as a single or multiple lump-sum payment as long as the payment period of your particular injury is generally less than 24 months.

If you wish to receive your benefit in a lump-sum payment you will need to notify your insurer before your monthly payments begin.

Do I still receive a monthly benefit if I am unable to work at the end of my specified injury payment period?

If you unable to work at the end of your specified injury payment period, you will generally  then continue to receive a monthly benefit with no further waiting periods.

Be Aware

The Specified Injury Benefit is generally paid instead of any partial disability benefit, total disability benefit, or any other benefit you would otherwise be eligible to receive.


If you are looking for a policy that has a Specified Injury Benefit built-in or offered as an option, please call us today on 1800 882762.