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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 are provided with automatic Death and Total & Permanent Disability Assist cover.

Members have the option to request Standard insurance cover before they meet the automatic acceptance requirements (subject to them meeting the other eligibility criteria). For full terms and conditions, refer to the Sunsuper for life Insurance guide.

If you are not eligible to opt in or automatically receive Standard Death and Total & Permanent Disability Assist or Opt-In Income Protection cover you can apply for Tailored cover. Any application will be subject to acceptance by the insurer (satisfactory evidence of health will be required).

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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, at least one, and up to a maximum of six support payments will be paid. Each payment is equal to one sixth of your maximum cover amount as at your Date of Disablement. If you think that cover that provides single a lump sum benefit (equal to your maximum benefit amount) would better suit your needs should you become Totally and Permanently disabled, you may 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 Standard 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 Standard 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 actively employed and we have received a Superannuation Guarantee (SG) for you, and
  • you have attained age 25, and
  • your account balance has reached $6,000.

or

  • you have opted in to Standard cover before you have attained age 25 and/or your account balance has reached $6,000 (subject to you meeting the other eligibility criteria).

 

Types of insurance cover  Age  Eligible for cover  Not eligible for cover 
Death  15-69 
  • You are actively employed1 and we have received an SG contribution for you, and
  • you have attained age 25, and
  • your account balance has reached $6,000.

or

  • you have opted in to Standard cover before you have attained age 25 and/or your account balance has reached $6,000 (subject to you meeting the other eligibility criteria).
  • You are self-employed2 , or
  • you are not employed, or
  • you have previously received or are eligible to receive a Terminal Illness benefit, Total and Permanent Disability benefit, or a benefit as a result of Permanent Incapacity or a Terminal Medical Condition from a superannuation fund or insurer.
Total and Permanent Disability Assist  15-66 

1 You will be actively employed if you satisfy the At Work definition at the date your automatic Death, Total & Permanent Disability Assist and Opt-In Income Protection cover starts - refer to 9 Definitions in the Sunsuper for life Insurance guide for the At Work definition

2 Self-employed means a person who is predominantly working in their own business on a regular basis and earning an income - refer to 9 Definitions in the Sunsuper for life Insurance guide for the Self-Employed Person definition.

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 support payments-each equal to one sixth of your cover amount.

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

 

 Amount of Standard Cover

 Death and TPD* Assist premium ($) per week

 Your age Death TPD Assist (Maximum Benefit) Male Female
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  

TPD means Total & Permanent Disability. 

If you are approved for a Total & Permanent Disability Assist benefit, you may be paid up to six support payments over a minimum of five years. Support payments are calculated as a sixth of your maximum benefit amount at the Date of Disablement.

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. Standard 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.

Increase your cover at the times in your life when it matters most.

When your life changes your Life and Age Event options give you the opportunity to increase your Death and Total & Permanent Disability Assist cover at the times in your life when it matters the most. Find out more about increasing your cover with Life and Age Events.

Upgrade your cover with Sunsuper’s New Member options

If you automatically receive Standard cover you have 120 days from the date you join Sunsuper to apply to Add Opt-In Income Protection cover:

You can also apply for White Collar cover, if you are eligible at any time.

How does White Collar cover work?

White Collar Death and Total & Permanent Disability Assist cover provides 50% more cover at no additional cost. White Collar Income Protection may reduce your premiums for Opt-In Income Protection, or entitle you to more cover.

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.

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.

* 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.