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Disability cover

Adapt your lifestyle for the impacts of living with disability

Predicting the future is pretty hard, but preparing yourself for its twists and turns isn’t - like insuring yourself with disability cover. If you suffer a serious disablement, for example a disability that results in you being unable to work ever again, disability cover is your financial protection. It can pay out a lump sum to help you and your loved ones financially. You can use this however you choose, from paying off your mortgage to investing the money to create an income.

This might suit you if…

  • you’d like financial security in case you suffer a serious disablement, including a disability that results in you being unable to ever work again
  • you need the flexibility to tailor insurance cover to your individual needs
  • you’d like the freedom to cover your financial commitments as you choose.

Here’s what you get:

  • A lump sum payment if you suffer a serious disablement, including a disability that results in you being unable to work ever again.
  • A partial payment if you suffer the total and permanent loss of the use of one hand or foot, or sight in one eye.

Talk to your Adviser
or call us on

0800 267 263

Monday to Friday
8:00am - 6:00pm

How much your disability cover costs depends on a number of factors, including:

  • your age
  • gender
  • smoking status
  • health
  • occupation
  • level of cover
  • the options you have selected.

Talk to an Adviser who will develop a plan to suit your budget and advise your individual premium cost.

The benefits of disability cover

Disability cover provides financial support for you and your loved ones. If you suffer serious disablement, such as a disability that results in you being unable to work ever again, disability cover can provide you with a lump sum payment. The key benefits are:

  • a lump sum payment that you can use however you choose
  • partial payment if you suffer the total and permanent loss of the use of one hand or foot, or sight in one eye
  • financial support (the amount of which depends on the level of cover you choose) during a difficult time.
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Why do I need disability cover?

If you were to suffer serious disablement, not only are you facing a complete lifestyle adjustment - from adapting your home to ongoing medical costs - but you may not be able to work again. This can add financial worries to an already unsettling time.

With disability cover, you’ve got financial support, leaving you to focus on more important things, like spending time with your loved ones and getting on with enjoying life.

Consider disability cover if you have a mortgage and/or people who financially depend on you - it can help to ease their financial burden or maintain their current living standards.

It’s completely up to you to choose how best to use the payment. You could:

  • pay your mortgage
  • cover medical bills
  • make essential modifications to your home.

Jane1 loved flowers from an early age so when the children left home, Jane started a small florist business to keep busy. A few years later her husband David died unexpectedly. He had Life Cover from an AMP work scheme, but it didn’t cover their debts. Suddenly the florist business went from a hobby to an essential income provider.

Fortunately Jane’s shop was going well, and by working longer hours and marketing through social media, she soon lifted the profits to meet her financial needs. Determined to live without worrying about money, Jane contacted David’s AMP Adviser.

Together they settled on a cover plan that gave Jane the peace of mind she needed. A few months after her 50th birthday, Jane began to struggle with the physical side of the business. Her joints had become increasingly sore. She was diagnosed with arthritis and was unable to continue working as a florist. Jane’s Trauma Cover did not include a benefit for arthritis, and it would be 15 years before she’d get superannuation. Fortunately, her AMP Adviser had recommended Total and Permanent Disability Cover. Jane’s arthritis was so severe that she qualified under her policy for a lump sum payment to spend however she liked. It was enough to clear her debts and she was able to hire a florist. This meant Jane was able to keep the business she loved, and continue to watch it succeed.

For over 160 years, AMP has been protecting families, helping them to financially protect their way of life, no matter what happens. In 2017, AMP provided financial assistance to Kiwi families through their disability cover:

  • $2.5m was paid to New Zealand families.
  • $180,000 was the average claim paid.

Get started
Disability cover

Talking to an experienced Adviser is the best way to find the right level of cover for you. They can work with you to understand your individual circumstances and take into account your budget to suggest a tailored plan.

Find an Adviser

We make the claims process simple

We know that making a personal insurance claim often comes at a stressful and traumatic time. That’s why we have a team of experienced, caring case managers who will support you and keep you updated throughout the process.

Our aim is to make the claims process as easy and clear as possible.

How to make a claim

If something happens and you need to make a claim, get in touch with us as soon as possible. We’re here to help and can talk you through the different options available to you.

You can get in touch by phone, online, email or post and we'll help you with the information required.


Notify AMP of your Death claim, all other Personal Insurance claims via this online notification.

Learn more about the personal insurance claims process.

Life, trauma, income protection and disability claims
(Includes business claims that relate to personal injury/illness)

0800 267 425

Monday to Friday
8:00am - 6:00pm

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Understanding personal Insurance

Protect your income in case of illness or injury

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Understand how the claims process works

See our range of personal insurance options

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Important information

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1The story is true. Names have been changed to protect individual privacy.

This information provides a general summary of the key features of the products described and is subject to change without notice. Terms, conditions, criteria, definitions and exclusions apply as set out in the relevant policy document and schedule. In addition, waiting periods, qualifying periods, no claims periods, and/or survival periods may apply. Full details are set out in the policy document and schedule, which is available on request. Applications for cover are subject to approval by AMP Underwriting. 

The content on this website is for information only. The information is of a general nature and does not constitute financial advice or other professional advice. Before taking any action, you should always seek financial advice or other professional advice relevant to your personal circumstances. While care has been taken to supply information on this website that is accurate, no entity or person gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way including from any error or omission.

A disclosure statement is available from your Adviser, on request and free of charge.