Protecting Your Super


The Federal Government’s Protecting Your Super Package Act comes into effect on 1 July 2019. The package is designed to protect Australians’ super savings from unnecessary erosion by fees and insurance costs.

Learn more


Putting members' interests first


The Federal Government’s Putting Members' Interests First Act comes into effect on 1 April 2020. This Act is designed to protect members with a balance less than $6,000 and who are under the age of 25 from balance erosion due to having insurance cover they may not need.

Learn more

Update insurance cover

As your life changes so do your insurance needs. Use our calculator to see how much cover you need.

Insurance cover calculator

Changes you can make to your insurance cover

Important: You must write to us within 90 days after one or more of the Key Life Events occur to make a change without filling in extra paperwork.

Death and disability cover

You can increase your insurance cover to either twice your existing death and disability cover, or by $200,000 (whichever is lesser) usually without having to provide medical evidence within 90 days of one of these ‘Key life events’ happening:

  • Get married
  • Have a baby or adopt a child
  • Take out a new mortgage - must be your primary home. Excludes refinancing and investment property
  • Death of your spouse
  • Get divorced
  • Child’s first day at primary or secondary school
  • Become eligible for a Carer Allowance from Centrelink.

Income protection

You can shorten your income protection waiting period to 30 days (if it is currently 60 days) or if your salary is out of date, you can increase your cover by up to 25% of your existing sum insured, subject to the maximum monthly benefit of $30,000. To increase your cover you must apply within 90 days of a Key Life Event or two months of a salary increase.

Read the Income Protection fact sheet.


Member login

Employer login