Survivor mode

Regarding Income Protection - You should find it mentioned on the website for your provider.  If not, ring them and ask.  I had to download a heap of forms to be completed by me, my GP, and specialist (don't worry - they're really used to doing this).  Then I had to photocopy a truckload of documents - every report, letter and communication that I had with medicos ad with work.  It actually provided a good opportunity to scan all of those documents as well.  Then it's just a matter of sending it all in.  If things work as they are supposed to, it should be a matter of a few weeks until your claim is resolved.  (Unless like me, your Super provider decides that they can't possibly process anything for months while they're installing a new computer system, then your case manager leaves and they choose not to appoint another one for a few more months...)  However, you should get your money.  Different policies have different covers - mine was 3/4 of salary after tax but required 30 consecutive days of leave to get it, which includes paid leave.