Check the policy’s definition of disability, eligible income, waiting period, benefit period and whether cover is based on your own or any occupation. Read the PDS for exclusions, claim requirements, rehabilitation provisions, offsets, indexation and any limits on benefits, and confirm whether premiums are tax-deductible for your circumstances. Compare cover held through super with a retail policy, including the level of flexibility and what happens if you change employment or super funds. A licensed adviser can help assess whether the cover suits your income and circumstances, while the insurer ultimately decides claims under the policy terms.