Protect Your Greatest Asset:
Your Ability to Earn.
What happens if an illness or injury stops you from working? Disability cover ensures you can maintain your lifestyle, pay your bills, and cover unexpected medical costs when you are unable to earn an income.
The Reality
Why Do You Need Disability Cover?
Most people insure their cars and homes, but neglect to insure the very thing that pays for them: their income. Disability cover provides a financial safety net when life takes an unexpected turn.
Pay Daily Expenses
Ensure your groceries, utilities, and school fees are still paid even if your salary stops.
Cover Debt Obligations
Keep up with your bond, vehicle finance, and personal loan repayments to avoid losing your assets.
Fund Lifestyle Changes
Pay for necessary home modifications, specialized equipment, or full-time care if you become permanently disabled.
Focus on Recovery
Remove the financial stress so you can focus 100% of your energy on rehabilitation and getting better.
Tailored Solutions
Explore Your Cover Options
Disability cover comes in two main forms. Depending on your profession, debt levels, and lifestyle, we help you structure the perfect combination of both.
Income Protection
Pays out a monthly tax-free income (usually up to 75%-100% of your current salary) if you are temporarily or permanently unable to work due to illness or injury.
- Covers both temporary and permanent disability.
- Replaces your monthly paycheck to cover ongoing living expenses.
Lump Sum Disability (Capital Disability)
Pays out a single, tax-free lump sum if you become permanently disabled and can never work again.
- Ideal for settling large debts like a bond or vehicle finance.
- Provides capital for lifestyle adjustments (e.g., wheelchair ramps, modified vehicles).
Why Choose EBC for Disability Cover?
Disability definitions can be complex. We ensure you get the right cover with no hidden surprises.
Independent Comparison
We compare quotes and policy wordings from top insurers to ensure you get the most comprehensive cover at the best premium.
Occupation-Specific Cover
We ensure your policy is linked to your specific occupation, meaning you are covered if you can't do YOUR job, not just ANY job.
Dedicated Claims Support
Claiming for disability can be stressful. We handle the paperwork and liaise with the insurer so you can focus on your health.
Ready to protect your income?
Contact our expert advisors today. We'll assess your financial needs and provide a free, no-obligation quote to secure your earning potential.
Expert, independent advice. 100% free service.