Income protection insurance is purchased directly from an insurer or through a broker, with regular premiums paid to keep the policy active. Once set up, there's usually a waiting period (also called the elimination period) before benefits begin – this can range from a few weeks to several months. After that, the insurer provides regular income payments if you're unable to work due to illness or injury, for as set benefit period that could last for a few years or until retirement, depending on your plan.
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