Death & TPD insurance

Death & TPD insurance options available to you depend on whether you are an active member, retained member, or spouse. Read about levels of cover and how benefits and premiums are calculated for your membership type.

• Active member
• Retained member
• Spouse member

It’s easy to make changes to your insurance cover. Simply download the relevant form below, fill out your choices and email it to us at inquiries@electricsuper.com.au.

• Active member
• Retained or spouse member

When your personal circumstances change, you may wish to review your insurance cover. Major life events can significantly alter your family’s expenses or income. If this happens, you should consider adjusting your level of cover to ensure the difference is always accounted for.

Division 5 members can apply to increase their cover by one level without health evidence when a specific life event occurs. This includes marriage, the birth or adoption of a child, taking out or increasing your home mortgage, turning 30, or turning 50.

• Life event form

When working out how much cover to take out, there are three main steps to follow.

1. Consider your expenses. This includes day-to-day living expenses, as well as longer-term costs like education and mortgage.
2. Determine the amount your family would receive in the case of your death or disablement. This can include your super, any savings you have, as well as shares.
3. Take out the level of cover that will provide the difference between these two amounts.