Insurance - your options
Insurance - your options
Insurance protects you and your family against the unexpected. As a new member of WA Super, it's important to understand what your insurance options are.
WA Super offers three types of insurance
- Death (including Terminal Illness cover)
- Total & Permanent Disablement (TPD)
- Income Protection
If eligible, you will receive a default level of insurance (known as our basic cover) when we receive the first contribution from your employer. The best part - you won’t even have to give us any of your health information! To ensure your employer is paying contributions to WA Super fill in the Choice form available here and give it to your employer.
Are you eligible for automatic cover?
You will automatically receive insurance cover if you meet certain eligibility requirements.
Firstly, you must meet the following general conditions:
- 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;
- You are not a former or current police officer; and
- You are At Work on the date you became a WA Super member.
In addition to these general conditions, you will be automatically covered if you meet these further requirements:
For Death and TPD:
- You must be aged less than 65 (for Death or Terminal Illness cover) or less than 60 (for TPD cover) you became a WA Super member;
- You must be gainfully employed; and
- Your employer does not provide you with automatic cover for the same or similar benefit under another insurance policy.
For Income Protection:
- You are working at least 15 hours per week;
- You must be under 60 when you became a WA Super member;
- You are not employed on a casual or temporary basis;
- You are Gainfully Employed as a full time or part time employee or contractor; and
- You are not self-employed.
Want more information on other insurance options?
WA Super offers other levels of insurance cover. For more information on your options read the Insurance Guide available here or contact us on 08 9480 3500.
Transfer existing insurance cover
If you have existing insurance cover through another fund, insurer or employer, you may be able to transfer that insurance cover to WA Super subject to eligibility criteria. Simply fill in the Transfer of insurance cover form available here and send it to us along with a copy of a current statement showing cover.
Increase insurance cover
To increase your insurance cover you will need to complete the Insurance application or variation form available here.
What if you don’t want insurance?
If you would like to cancel or decrease your insurance cover you will need to complete the Insurance alteration form available here.
