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Protecting her income and lifestyle

When Karen first joined Club Plus Super in 1996, the last thing she thought she would need to rely on was her income protection insurance – not once, but twice.

Protecting her income and lifestyle with Karen

As a veteran of the club industry, Karen’s career began when a friend asked her if she would like to work at the Belmont 16 Foot Sailing Club. Because she enjoyed meeting and working with people, Karen kick-started her career as a cashier there before moving on to the Avoca Bowling Club where she honed her skills in promotions, raffles and the bar. From there, Karen leap-frogged over to Terrigal Country Club and then on to Gosford RSL where she worked for nearly 20 years.

Karen’s first encounter with an injury which prevented her from working was when she snapped her ankle while collecting her husband from his staff Christmas party. A work colleague suggested she enquire about her automatic income protection cover through her super.

‘I called the Club Plus Super contact centre – they were wonderful and very helpful,’ she recalls. ‘My claim forms were approved quickly and so I was paid a regular payment into my bank account for the four months I was off work. The process was that easy.’

Karen’s second foray into income protection cover came when she incurred a back injury at work which was not covered by WorkCover. She contacted CPS and her local member service manager, Craig, came to her rescue.

‘Because I couldn’t get into the office, he brought the claim forms to me at home and processed them,’ she remembers. ‘They (CPS) were always there for me – it was hassle-free for two years’.

Karen, Club Plus Super member

So, what advice does Karen have for a young person considering whether to have income protection insurance? ‘Working in this industry, you need income protection,’ she explains. ‘You can’t think, it’s not going to happen to me. I dread to think of the situation we would have been in if we didn’t have income protection. My husband and I would have had to sell the house and our lifestyle would have changed completely.’

What is income protection cover?
If you have income protection insurance cover and you become ill or injured and unable to work, you could receive a monthly payment (plus your employer’s super contribution) for up to two years. This means your income and your lifestyle would be protected if you can’t work.

More information
If you would like to know more about insurance log on to Club Plus Super’s Member Access. From there, you can review your insurance cover or apply to increase it to suit your needs.

If you would like more information, take a look at our insurance options or call us on 1800 680 627.

Our insurance product has changed since the publishing of this article so please refer to the relevant Insurance Booklet for more information on the changes.

The insurance described here is a guide only and you should read the important information about insurance including eligibility, exclusions, terms and conditions before making a decision. Go to and read the relevant Insurance Booklet (or call us on 1800 680 627 for a copy) and seek independent financial advice around this if you are unsure.