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Automatic Death and Total & Permanent Disability Assist

With Sunsuper, you can get automatic protection for what matters most- your earning capacity and your family's financial security. Eligible members automatically receive Death and Total & Permanent Disability Assist cover upon joining Sunsuper.

insurance 

Starter cover

Starter cover provides an introductory level of Death and Total & Permanent Disability Assist cover.

Booster cover

Booster cover doubles you Starter cover and premium automatically when your Super-savings account balance grows to $6,000 or more.

Is Total & Permanent Disability Assist cover right for you?  

Total & Permanent Disability Assist cover was designed by Sunsuper with the aim of striking a balance between providing protection and keeping premiums low.

In the event of a successful claim, in most cases benefits are paid as up to six annual support payments, each equal to one sixth of your cover amount as at your Date of Disablement. If you think that cover that provides a lump sum benefit when you become Totally and Permanently Disabled would better suit your needs, you should consider applying for Tailored Total & Permanent Disability cover.

If you need help deciding which type of cover may be right for you, give us a call on 13 11 84 and we'll talk you through it.

Eligibility for Death and Total & Permanent Disability Assist cover

You don't have to jump through hoops to find out if you're eligible for this insurance.

You will be eligible for automatic Death and Total & Permanent Disability Assist cover if:

  • you are age 15 to 69 (Total & Permanent Disability Assist cover is not available from age 67), and
  • you haven’t previously received or been eligible to receive a Terminal Illness benefit, Total & Permanent Disability benefit or a benefit as a result of Permanent Incapacity or a Terminal Medical Condition, from Sunsuper or another fund or insurer, and
  • you are ‘employed’ (not a self-employed Person) and we receive a superannuation guarantee (SG) contribution for you.

How much cover do you get and what does it cost?

The amount and cost of cover depends on your age and type of cover and will alter at certain ages. It’s important to remember that Total & Permanent Disability Assist benefits are normally not paid as a lump sum, but as up to six annual support payments-each equal to one sixth of your cover amount.

Death and Total & Permanent Disability Assist cover levels (example)

Starter cover

Your age Death cover amount ($)* TPD** Assist cover amount($)* Male premium ($) per week Female premium ($) per week
15 31,250 62,500 1.00 0.60
25 62,500 87,500 1.76 1.18
35 120,000 120,000 3.20 2.16
45 66,000 66,000 3.78 2.96
55 21,000 21,000 3.78 2.96
65 8,000 8,000 3.78 2.96

 

Booster cover

Your age Death cover amount ($)* TPD** Assist cover amount($)* Male premium ($) per week Female premium ($) per week
15 62,500 125,000 2.00 1.20
25 125,000 175,000 3.52 2.36
35 240,000 240,000 6.40 4.32
45 132,000 132,000 7.56 5.92
55 42,000 42,000 7.56 5.92
65 16,000 16,000 7.56 5.92


*Annual Support payments are calculated as one sixth of your cover amount as at the Date of Disablement.
*
*TPD means Total & Permanent Disability. 

To find out which level of cover and premium applies to you take a look at Premium table 1 in the Sunsuper for Life Insurance guide. Total & Permanent Disability Assist cover ends at age 67. Premiums are calculated weekly and normally deducted from your Super-savings account each month so it doesn’t impact your take-home pay.

Upgrade your cover with Sunsuper’s New Member options

If you automatically receive Starter cover you have 120 days from the date you join Sunsuper to apply to:

  • Upgrade your cover to Booster cover before your balance reaches $6,000 without providing health evidence.
  • Add Opt In Income Protection cover.

You can also apply for White Collar cover, if you are eligible and work in a White Collar role you can apply for 50% more Death and Total & Permanent Disability Assist cover for the same cost.


How does this New Member Booster cover option work?

You have the opportunity to double your automatic Death and Total & Permanent Disability Assist and by requesting Booster cover prior to your Super-savings account balance reaching $6,000. If you double your cover using this New Member option, and are approved by the insurer, your increased cover levels and premiums will start from the day your Death and Total & Permanent Disability Assist cover starts.

The New Member Booster cover option is only available to be requested within 120 days of you joining Sunsuper.


How does White Collar cover work?

If you are eligible and work in a White Collar role, White Collar cover entitles you to 50% more cover than automatic Death and Total & Permanent Disability Assist cover at no additional cost to you.

How does Opt In Income Protection cover work?

Opt In Income Protection cover provides you with a replacement income, after a Waiting Period of 90 days, for up to two years if you are unable to work due to injury or sickness. The Waiting Period commences from the date a Medical Practitioner certifies you are Totally Disabled and unable to work as determined by the insurer. Benefit payments will start accruing when the Waiting Period ends and are paid monthly in arrears. Your amount of cover is a fixed monthly benefit amount. Your cover amount is calculated as 85% of your Income, rounded up to the next $500. The maximum monthly benefit for Opt In Income Protection cover is $5,000. You will be provided with a monthly benefit of $2,500 where you do not provide details of your Income. The Opt In Income Protection cover option is only available to be requested within 120 days of you joining Sunsuper.

How do I apply for New Member options?

If you are eligible you can elect the New Member options upon joining Sunsuper, when you join online, via your Member Online account (if you are already a member) or you can apply by completing and returning the Membership application form within the first 120 days of joining Sunsuper.