Income Protection Plan

Income protection helps you replace a portion of your pay if you become totally disabled, ill, injured and are unable to work. These plans provide you valuable income protection and can help you and your dependents when you truly need it.

VMware’s Income Protection Plan is provided by AIA New Zealand Ltd.


All permanent full-time employees working 15 hours or more per week are covered.


The sum assured is up to 75% of your annual salary, including base salary and target bonus. You would become eligible to claim when you are unable to do your job after an initial waiting period of 90 days. You are covered until age 65 or you return to work. If you leave VMware before then you may be able to continue the cover by porting the policy on personal basis.

Definition of Total Disability

You are totally disabled, solely due to injury or sickness, if you are:

  • Completely and continuously unable to perform your own occupation in any capacity; and
  • Remain under the regular care and the attendance of a medical practitioner and are following the advice of that medical practitioner in relation to that injury or sickness; and
  • Not engaged in any occupation, paid or unpaid


VMware pays 100% of the premium costs.  

Automatic Acceptance Limit (AAL)

The policy has an Automatic Acceptance Level of $60,000 per annum. If your salary is less than $45,000 then you are automatically insured for 75% of your salary.

Employees with salaries above the indicated threshold will be subject to underwriting requirements above the Automatic Acceptance Limit basis which coverage will be determined.

When Coverage Begins

Coverage begins on the first day of your employment with VMware..

When Coverage Ends

Coverage ends on the end of your last day of service with VMware, or on your 65th birthday.

Contact Us

Contact HR Source [VMware network access required]
ASK HR [VMware network access required]
Phone: 1-888-869-2738

Contact your Mercer Marsh Benefits:
Name: Sayali Desai
Mercer Marsh Benefits
M +64 21 963 102


Employee Guide for Risk Insurance [VMware network access

Last Updated: 16 Nov 2022, 12:15 PM