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    • Casual Worker AIA Underwriting Guidelines Update

    24 April 2019

    AIA is pleased to announce that we have updated our Casual Worker underwriting guidelines for Income Protection (IP) and Total and Permanent Disability (TPD) benefits.  

    What has changed?

    Casual workers will be eligible for comprehensive IP and TPD benefits if they meet the following requirements of:

    ‘A minimum of one years’ (previously two years) continuous casual employment, on minimum hours, with the same employer (i.e. no breaks or gaps in work) except for annual leave and public holidays.’*

    For more information on the definition of a casual worker, visit fairwork.gov.au. 

    In addition the following criteria has also been updated:  

    *This question will be included in the application form.  

    casual worker

    Casuals - Income Protection Criteria:

      New Old
    Occupations A1, A2 (AAA), M(AA), A3, A4(A), B and C A1, A2 (AAA), M(AA), A3, A4(A) and B categories only
    Minimum Hours

    A1, A2 (AAA), M (AA), A3, A4 (A) - 20pw

    B/C - 25pw

    		 35pw
    Maximum Entry Age 55 ANB 50 ANB
    Waiting Period 30 days (subject to note below)^ otherwise 90 days 90 days
    Benefit Period

    A1, A2 (AAA), M (AA), A3, A4 (A) -5 years

    B/C – 2 years

    		 2 years
    Indemnity Only Yes Yes
    Rider Benefits Only Claims Escalation Only Claims Escalation
    WFH Not more than 20%pw Not more than 20%pw
    Maximum Benefit $7,500pm $6,250pm

    ^Note: Minimum 2 years’, ongoing continuous casual employment (on a casual agreement), on Minimum Hours, with the same employer (i.e. no breaks or gaps in work) except for annual leave/public holidays. This question will be included in the application form.

    Casuals - Total and Permanent Disability/Waiver of Premium Criteria:

      New Old
    Occupations A1, A2 (AAA), M (AA), A3, A4 (A), B and C A1, A2 (AAA), M (AA), A3, A4 (A) and B categories only
    Minimum Hours 15pw 35pw
    Maximum Entry Age 55 ANB 50 ANB
    TPD Definition Any Any
    Maximum Benefit $2 million $1 million

    If you have any further questions, or queries please contact you AIA Client Development Manager or Associate. 

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    Copyright © 2021. AIA Group Limited and its subsidiaries or affiliates. All rights reserved. Priority Protection and Priority Protection for Platform Investors products are issued by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043). AIA Vitality, a personalised, science-backed program that supports members every day to make healthier choices, is available with eligible products issued by AIA Australia. AIA Health with AIA Vitality is issued by AIA Health Insurance Pty Ltd ABN 32 611 323 034, a registered private health insurer governed by the Private Health Insurance Act 2007, Private Health Insurance Rules 2007 and the AIA Health Insurance Pty Ltd Fund Rules. The information on this website is current as at 1 April 2021 and may be subject to change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. Unless expressly stated, any views or expressions of opinion (including any video content) do not represent the opinion of AIA.
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