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Important information
Insurance
You may be entitled to receive an insured amount as part of your super payout in the event of your death or disablement.
If you currently have insurance cover, your total benefit, including the insured amount, may be shown in the table. Note that depending on your benefit design, not all insurance options can be displayed. If you are a member of Division 5 you can choose to increase your cover by completing the 'Adjusting your insurance cover' form.
Please refer to the Member Booklet for your Division, together with any other member materials for full details of your insurance cover provided under the Scheme.
For any questions regarding your insurance cover, please call the Helpline on 1300 307 844.
Important information about your insured amount
Your insured amount can be influenced by many factors, such as the design of your membership category, whether you elect to take out insurance and the level of cover provided by the insurer.
In relation to the design of your membership category, the insured amount is calculated based on the insurance option shown above. If you have not elected or are not eligible to select an option, then your insured amount may be restricted to $0.00. Depending on your membership category design, not all insurance options can be displayed.
There may be various circumstances where the insurer requires that the insured amount of any super payout you receive in the event of your death or disablement while a member of the Scheme be varied. These include, but are not limited to:
- The insurer may decline or apply an exclusion or restriction to your insurance amount. This means the insurance amount may not be paid or limited in some circumstances.
- The insurer may have asked you to provide health evidence before your required level of insurance cover will be provided. Until such time that the insurer has received and assessed this evidence, your insured benefit(s) will be restricted to $0.00 or the amount(s) advised previously.
- Your age or employment status or number of average hours worked per week precludes you from any entitlement to disablement cover.
The insured amount is inclusive of any additional voluntary insurance or voluntary insurance amount you have (as applicable).
If you believe that your insured amount may be subject to any of the circumstances above, please refer to previous correspondence for full details.
Important information about your total benefit
The estimate of your total benefit provided on this website does not describe all of the conditions affecting the amount and its availability. Your total benefit is determined in accordance with the Trust Deed, Trustee determinations, Government regulations and the benefit design of the Scheme. The estimate should therefore be read in conjunction with the Member Booklet and any other member materials you have received from the Trustee.
The estimate does not guarantee that you will receive a particular benefit and is based on information available to the Trustee at the time this calculation has been processed. The crediting rates used when paying your benefit will be those available at the time your benefit is processed by the Administrator. If you have requested an investment switch which has not been processed or have a surcharge assessment that is not yet effective, this will affect the benefit displayed here.
While all reasonable efforts have been made to ensure the information contained in this estimate is correct, the Trustee reserves the right to correct any error or omission. You should not enter any commitments based solely on the information contained in this estimate.
If any of your personal details are incorrect, the total benefit estimate may be affected. If you have any queries concerning your estimate or further information about your benefit, please contact the Helpline.