Death and Total Permanent Disablement cover

Death cover pays a lump sum to your nominated beneficiaries if you die or suffer a terminal illness where death is likely to occur within 12 months. Death cover can provide financial security in a time of uncertainty and can help cover debts and living expenses.

Disability cover provides you with a lump sum payment if you’re totally and permanently disabled and can’t work again. For a full definition of TPD see the Insurance guide.

What are the levels of cover?

If you meet the eligibility criteria, you will automatically receive Basic Cover for death (which includes a Terminal Illness benefit) and TPD through WA Super.

To be eligible for cover:
– You must be a member of, or applying for membership with the fund;
– You must be an Australian Resident;
– You must be at least 15 years of age;
– You have not been discharged medically unfit, ceased employment or retired due to ill health from any employer;
– You have not been diagnosed with an illness or suffered an injury that reduces your life expectancy to less than 12 months; and
– You must be under the age of 70 for Basic Death and TPD Cover and under the age of 65 for Fixed Death or TPD cover; or
– The Insurer has agreed in writing that they will insure you under the policy.

Other criteria:
– Current Police officers are not eligible for any cover, and former Police officers are only eligible for Death Only insurance cover.
– If you are a casual or a temporary employee or you are Self- employed you can only choose Basic Death and TPD Cover or Fixed Cover.

The Table below shows the amount of Basic Cover provided based on your age.

Age next birthday

Basic Death Cover

Basic TPD Cover

16 -25

$60,000

$120,000

26-30

$120,000

$100,000

31-40

$160,000

$80,000

41-45

$160,000

$60,000

46-50

$120,000

$40,000

51-55

$80,000

$20,000

56-60

$40,000

$20,000

61-65*

$20,000

$10,000

66-70*

$10,000

$10,000

*For individuals aged 60 years of age or more, and/or anyone who was working less than 15 hours per week immediately prior to the Date of Disablement averaged over the 3 consecutive months prior to the Date of Disablement (or shorter period if the member has been employed for less than 3 consecutive months), the Everyday Working Activities definition applies to TPD cover, refer to the Insurance Guide for more information.  

What does it cost?

Use our Insurance premium calculator to estimate the cost of your chosen level of cover.

How to apply or vary cover

Complete an Insurance Application or Variation form and send it to us.

Find out more

Watch our educational module 'Insurance through Super' to find out more.

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