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Pay your premiums through your super

When you get insurance through Sunsuper, your insurance premiums are deducted from your super balance, not your take home pay, so it’s easy to manage. And because we organise insurance for so many of our members, we’re able to offer you lower premiums.

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Intention of Total & Permanent Disability Assist

The intention of Total & Permanent Disability Assist insurance cover is to provide a payment to you should you suffer an injury or illness that permanently prevents you from working to retirement age.

Total & Permanent Disability Assist insurance cover is available to you regardless of your working hours or the basis on which you are employed. Regardless if you are employed on a permanent, contract, or casual basis, you will be provided with cover if you are eligible when joining Sunsuper. This cover is given to you automatically upon Sunsuper receiving a superannuation contribution from your employer.

We believe in supporting you when you are first unable to work due to injury or illness by offering an early intervention program to assist you back into the workforce. Where you remain unable to return to work we will help you achieve a suitable and safe return to work through occupational rehabilitation, where applicable.

Your capacity to work is assessed by Sunsuper’s insurer and is determined by your ability to perform any reasonably suitable occupation based on all of your education, training or experience, not just your usual occupation or job you were performing when you become injured or ill. If you are not working in any capacity six months prior to becoming injured or ill, different conditions may apply.

When reviewing your education, training or experience, we may consider for example the level of schooling you completed, further studies undertaken since then and any subsequent qualifications and certifications you have obtained, the skills and abilities you have acquired through work you have undertaken (both paid and unpaid), as well as any of your hobbies or interests.

Once you meet the definition of Total & Permanent Disability Assist, you may receive up to six annual support payments over at least five years where you continue to remain injured or ill. Should you suffer a specified Medical Condition that you are unable to perform basic activities associated with work ever again, you may receive a lump sum benefit.

To help keep insurance sustainable and affordable we require you to lodge a claim within five years of the date you were first unable to work due to illness or injury.

Intention of Tailored Total & Permanent Disability

The intention of Total & Permanent Disability Assist insurance cover is to provide a payment to you should you suffer an injury or illness that permanently prevents you from working to retirement age.

Total & Permanent Disability Assist insurance cover is available to you regardless of your working hours or the basis on which you are employed. Regardless if you are employed on a permanent, contract, or casual basis, you will be provided with cover if you are eligible when joining Sunsuper. This cover is given to you automatically upon Sunsuper receiving a superannuation contribution from your employer.

We believe in supporting you when you are first unable to work due to injury or illness by offering an early intervention program to assist you back into the workforce. Where you remain unable to return to work we will help you achieve a suitable and safe return to work through occupational rehabilitation, where applicable.

Your capacity to work is assessed by Sunsuper’s insurer and is determined by your ability to perform any reasonably suitable occupation based on all of your education, training or experience, not just your usual occupation or job you were performing when you become injured or ill. If you are not working in any capacity six months prior to becoming injured or ill, different conditions may apply.

When reviewing your education, training or experience, we may consider for example the level of schooling you completed, further studies undertaken since then and any subsequent qualifications and certifications you have obtained, the skills and abilities you have acquired through work you have undertaken (both paid and unpaid), as well as any of your hobbies or interests.

Once you meet the definition of Total & Permanent Disability Assist, you may receive up to six annual support payments over at least five years where you continue to remain injured or ill. Should you suffer a specified Medical Condition that you are unable to perform basic activities associated with work ever again, you may receive a lump sum benefit.

To help keep insurance sustainable and affordable we require you to lodge a claim within five years of the date you were first unable to work due to illness or injury.  

Intention of Income Protection

The intention of Income Protection insurance cover is to provide you with ongoing income and financial support, should you become temporarily unable to work due to an injury or illness. It can give you the peace of mind that you have income that can help pay your expenses while focus on your health and recovery.

If you are employed on a permanent, part-time, contract or casual basis and working at least 15 hours a week, you may be eligible to apply for cover.

You may be able to claim a total disability benefit if you are unable to work due to injury or illness. To be considered disabled, you must be unable to do one of the major duties of your regular occupation which involves at least 20% of your occupational tasks. If you are unemployed, a casual employee or working less than 15 hours prior to being injured or ill, a different definition will apply to you, or you may not even be able to apply for Income Protection cover.

You will be covered for up to 75% of the income you were earning prior to becoming disabled; this is known as your monthly benefit. You may receive an additional percentage of your income as a superannuation contribution paid into your super account. This helps you continue to save for your retirement. We will support you to return to work, by providing occupational rehabilitation where applicable.

Where you are working in a reduced capacity while on claim and earning less, due to injury or illness, you may be able to claim a partial disability benefit to assist with your transition back to work in a full capacity.

If you are paid a monthly benefit it will be reduced where you receive other disability benefits, such as workers compensation or benefits from other Income Protection policies. This prevents you from receiving more income than you earned before you were injured or ill.

With Tailored Income Protection cover, we offer various waiting periods and benefit periods in order to offer you flexibility to suit your personal needs and financial situation. The waiting period is the length of time you must be injured or ill before you can claim a benefit. The benefit period is the maximum period you can claim benefits whilst you are totally or partially disabled. With Opt-In Income Protection we offer cover that eligible members can apply for when they join Sunsuper, without the need to fill in complicated forms or provide medical evidence.