Most Australian Income Protection policies include an automatic indexation feature where your monthly benefit amount increases each year (typically on the policy anniversary) in line with the Consumer Price Index (CPI) or a fixed percentage, whichever is higher in some products. This protects the purchasing power of your benefit over time, particularly important for long-dated benefit periods (to age 65). Indexation continues during a claim — if you're on claim and indexation is included, your monthly benefit should increase each year your claim continues. This feature usually carries a small premium loading but is included as standard on many comprehensive policies. Some insurers offer the choice between automatic indexation and fixed-amount cover. If you don't want the additional premium for indexation, the insurer may apply a one-off CPI increase at claim time only, or the benefit stays at the original amount. For long-dated policies where 30+ years of CPI growth could halve real purchasing power, indexation is often considered a worthwhile feature. Confirm the indexation method (CPI vs fixed) and whether it applies during a claim by checking the PDS.