Types of Insurance Cover

There are three types of insurance cover available through superannuation:

  1. Death
  2. Total and Permanent Disablement (TPD)
  3. Income Protection (IP)

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 to you and your family in a time of uncertainty and can help cover debts and living expenses.

TPD insurance 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 cover, including more information on TPD cover in superannuation, see the Insurance Guide.

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

Age next birthday

Basic Death Cover

Basic TPD Cover






















61-65 *



66-70 *



* 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.  

Can I apply for more cover than just Basic cover?

You can increase your Basic Cover by completing an Insurance Application or Variation form.

There are also three occasions where you can increase your cover without providing medical evidence:

  1. Within six months of your Basic Cover commencing - increase your Basic Insurance cover up to a maximum of $700,000 (the Automatic Acceptance Limit) within the first six months of cover commencing; or
  2. Life Events Increase - when a Life Event takes place; or
  3. Annual Cover Increase - between 1 June and 31 July each year

Refer to the Insurance Guide for more information about these instances.

Income Protection Insurance

Want to ensure your income is properly protected in case of an accident or unexpected illness? With Income Protection insurance from WA Super, you can have that peace of mind. 

Income Protection gives you a monthly income based on a percentage of your salary, if you’re unable to work due to illness or injury and if you satisfy the conditions for a total disability benefit or a partial disability benefit.

What is the Basic level of cover for Income Protection Insurance?

Our Basic Income Protection cover provides you with a monthly income payment of up 85% of your cash salary up to a maximum of $3,000 per month. This comes with a 2-year benefit period and a 90 day wait period before you are eligible to receive a monthly payment.

Can I apply for more cover than just Basic cover?

You may apply for cover as follows:

a) increase your amount of cover up to the Automatic Acceptance Limit (AAL) which is $5,000 per month;
b) reduce your waiting period; or
c) increase your benefit period to five years

within six (6) months of your cover commencing, or the date you were first eligible for Basic Cover, whichever is the later.

If you require higher amounts of cover, then you can choose from multiple levels of cover with benefits payable for 2 years, 5 years or to age 65, with various options on waiting periods, subject to any time frame and terms of the policy. See the table below for possible options of income protection cover.

Insurance type Description Level of cover Benefit payable term Waiting period
30 days 60 days 90 days 180 days 1 year 2 years
Basic Cover^ Default  85% of Cash Salary (up to $3000 p/m) 2 years ✔️
Voluntary Cover 2 Year cover 85% of Cash Salary  2 years ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
5 Year cover 85% of Cash Salary  5 years^^ ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Long Term Cover 85% of Cash Salary  To age 65^^ ✔️ ✔️ ✔️ ✔️ ✔️ ✔️

^ Basic Cover 
^^ Indexed after the first year of payment by the lesser of 5% or the Consumer Price Index (i.e. benefit escalation).


Cover that is not “Basic Cover” will require you to complete the Insurance Application or Variation Form and be assessed by the Insurer for your selected type and amount of cover.

It is important that you keep us informed of any change in your salary or you might be insured for less than you think.

Eligibility criteria applies so please read the Insurance Guide.

How much does Insurance cost?

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

What happens to your insurance if your account becomes zero or you become unemployed?

If you make a withdrawal from your account and your account balance becomes zero, you will have insufficient funds to pay your insurance premiums and may lose your insurance cover. If insurance premiums remain unpaid for more than 60 days, your insurance policy will be cancelled. We are also required by law to cancel your insurance cover if no contributions are received into your account for a period of 16 continuous months.

If you have Income Protection cover and you become unemployed, your insurance cover will continue, as long as you still meet the eligibility criteria, and premiums will still be deducted from your account. You will be able to make a claim up to 60 days, after you become unemployed.

How do I change or cancel my level of cover?

Your level of Basic Cover isn’t necessarily the level of cover that’s right for you. Your needs are driven by your lifestyle and your financial commitments and may change over time. If you find you need more insurance than you receive, you can apply to increase your cover.

If you want to increase your cover from Basic Cover, you’ll need to complete an Insurance Application or Variation Form.

If you would like to reduce or cancel your insurance, let us know by completing the Insurance Alteration Form or call us. Just be aware that cancelling your cover will mean having to provide medical evidence for future applications of insurance.

You can also transfer insurance cover from another super fund. Find out more here.

For more information please refer to our Insurance Guide.


Find Out More

With WA Super, it’s easy to get the right advice you need. If you want to find out more, such as how to apply for income protection insurance through your super, simply watch the Insurance through Super educational module to learn more or contact us today.

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