Find out more about the cover offered to most active ElectricSuper Division 5 (accumulation) members.
You could have death cover, total and permanent disablement (TPD) cover and income protection (salary continuance).Learn about it
Your super account could include cover if you're sick or injured and can't work, or provide financial support for your family if you die
If you’re a retained member of ElectricSuper, your insurance offering is a bit different to what you had while you were an active member.
You may still be eligible for death, total and permanent disablement cover, as well as income protection (salary continuance) and, depending on your situation, you may be able to request your insurance is continued from your active account.
Read more to learn about how your insurance changes when you move to a retained account – and find out when you need to apply for cover.Retained members
While super funds typically provide a default level of cover, usually depending on your age or salary (or a combination of both factors), this might not be the right amount for your needs.
You might need more, or you might need less and could be paying for cover you don’t need!
Get more information to start thinking about whether your cover amount is right for you.
If you have gone through a big life event in the last 12 months, you could apply to increase your death and TPD cover by one level without having to provide additional health information.
If you have:
you could be eligible to apply. Use the Increase Insurance – Life Event form.
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You might be surprised to discover that your super might not be automatically paid to the person you expect if you die. It might not go automatically to your spouse, nor even to your estate.
However, you can nominate who you want to receive your super if you die. It could give you and your loved ones some piece of mind.
Here are some of the forms and other resources that might be useful when thinking about your insurance needs
Want to access our other forms, pages and calculators? See the Resources/Forms page.
If you want to increase, decrease or cancel your insurance, start the process by completing this form.
If you’re a spouse member or a retained member and want to increase, decrease or cancel your insurance, start the process by completing this form.
If you have got married, had a child, taken out a mortgage, turned 30 or turned 50 in the last 12 months, you could apply to increase your insurance without providing health information
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