Types of Insurance Cover

Your insurance options

When you join us, you may receive insurance cover automatically. You can cancel, decrease or apply to increase your cover to suit your needs. Insurance cover is provided by our insurer, TAL.

If you’re a Defined Benefit Division (DBD) member you’ll generally also have inbuilt benefits that cover you if you can’t work due to illness or injury, if you have a terminal illness or pass away.

Death cover

Death cover provides a payment if you pass away or have a terminal illness.

• If eligible, you’ll receive the default level of cover (one unit), with the option to add more or cancel.
• The amount of cover you have is either based on your age (unitised cover) or a fixed amount (fixed cover).
• You can be covered to age 75.

Total and Permanent Disablement (TPD) cover

TPD cover provides a payment to you if you can’t work due to permanent disability (eligibility criteria apply).

• If eligible, you’ll receive default level of cover (one unit), with the option to add more or cancel.
• The amount of cover you have is either based on your age (unitised cover) or a fixed amount (fixed cover).
• You can be covered to age 70.

Income Protection cover

Income Protection insurance can cover up to 85% of your salary, including up to 10% super, as a monthly payment if you can't work because you’re injured or ill. Eligibility criteria apply.

• Choose your payment period: 2 years, 5 years or to age 65.
• Choose your waiting period: 30, 60 or 90 days.
• You can be covered to age 65.

Income Protection cover isn’t available for DBD members.