A new feature of income protection insurance covers super contributions.

A little-known insurance option that maintains your super contributions if you're seriously ill or injured has its attractions if you consider the long-term impact of a super "gap". But some advisers wonder whether that's the prime consideration at a time when you may need every last cent.

A handful of insurers offer a "super protection" option that can be joined to income-protection cover.

In essence, if you need to call on your policy because of illness or injury that's outside sick leave, not only do you receive up to 75 per cent of your actual or agreed income but also full or partial super contributions paid on your behalf.

THE Opposition's finance spokesman, Andrew Robb, has contradicted Tony Abbott over the Coalition's superannuation policy saying it could not be maintained unless budget cuts were found to support it.

Mr Abbott slapped down his superannuation spokesman, Mathias Cormann, last week when he said the Coalition would not wind back the federal government's increase in the compulsory superannuation contribution rate by 2020.

''Retirement incomes are a significant issue particularly with an ageing population and that's why the Coalition has decided that we won't rescind the legislation should it go through the Parliament,'' the Opposition Leader said.

But Mr Robb and the Treasury spokesman, Joe Hockey, are in the process of costing all the Coalition's policies to try and find $70 billion of savings. "We won't be going forward on this or any other program without the funding [or] identifying where we'll fund it,'' Mr Robb told the ABC.