Make a Claim

Your WageGuard claim can be made directly through our team.

For your claim to be valid, you must provide U-Cover with proof to our satisfaction of any event or condition establishing your entitlement or any insured persons entitlement to benefits under the policy. You must also notifY U-Cover immediately in writing of:

  • the death of an insured person;
  • any sickness of injury suffered by any insured person lasting for more than 14 days; or
  • any other circumstances which may lead to a claim under the policy.

Processing your claim

To process your claim, we require the following documentation:

  • Completed Claim Form;
  • Medical evidence and reports from treating doctors (we are entitled to have the insured person examined by a medical practitioner or other qualified person nominated by us at our expense);
  • WageGuard employer statement;
  • Employee declaration form (issued by the ATO);
  • Information or records relating to the income, attendance and duties of the insured person;
  • Certified copy of the death and birth certificate of the insured person or spouse (if applicable); and
  • You must authorise your workers compensation insurer to supply us with any information we require to determine any claim.

Click on the link below to begin your download:


Group Income Protection Claim Form


Loss of Life Claim Form


Payment Arrangements

U-Cover will make benefit payments to you or to your employer as directed by you. Either payment method shall be a full discharge of our liabilities under the policy for that payment.


Recovery of Overpaid Amounts

Where you or an insured person have been paid an amount under the policy which we are entitled to reduce under applicable legislation, we may seek to recover the overpayment.

General Advice Warning

The advice on this website does not take into account any of your particular objectives, financial situation or needs. For this reason, before you act on this advice, you should consider the appropriateness of the advice, taking into account your own objectives, financial situation and needs. Before you make any decisions about whether to acquire the policy, you should obtain and read the Wageguard PDS and the UCover Financial Services Guide. These can be accessed through the downloads page. Call UCover on (02) 9376 7899 if you wish to request a hard copy of these documents.

WageGuard is issued and underwritten by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043).

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