 There are however some high risk occupations where, if policies are available, they are offered on an 'any occupation' basis, either immediately on claim, or after an 'own occupation' claim period.Income Protection is available to employees and the self-employed, with greater importance held on the latter as the self-employed are generally not eligible for Workers' Compensation.There are a number of options available under income protection policies and the ability on a person to receive claim payments will depend on the options taken at application.