We’re prepared for the unexpected

If you’re unable to work for any reason, there are many ways that CSC can help you and your family.

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We've got you covered

Contributing PSS and CSS members have access to partial invalidity, invalidity retirement, and death benefits at no extra cost. These are superannuation benefits, rather than insurance, so you are automatically covered when you become a PSS or CSS member. 

Further information about death and invalidity benefits, including the circumstances in which they are payable and how they are calculated, is available in the Product Disclosure Statement for your fund and the related Death and invalidity benefits booklet available in the product disclosure statement section of our website. 

Flexible cover 

If you are a contributing member of PSS or CSS, you can also access flexible Death, Total and Permanent Disablement and Income Protection through lifePLUS choice if you join PSSap as an Ancillary member. The video below can help you find out more about lifePLUS.

PSSap lifePLUS cover can help support you in case the unexpected happens.

Live Q&A 

If you found yourself unable to work, for any reason, do you know what support is available to you through super? 

Member Education Consultant, Edison Marshall answered your questions about insurance and beneficiaries live on 28 November 2018. 

You can watch the recording of the live Q&A on Facebook


Additional cover

CSC offers Additional Death and Invalidity Cover (ADIC) to PSS members to help ensure that the cover they have meets their needs, and the needs of their family. You may be entitled to increase the amount you are covered for on death or invalidity by purchasing ADIC insurance, which helps to maximise your PSS benefits should you become permanently incapacitated, or when you die. 

The cost of ADIC is also subsidised by your employer at varying rates, depending on your personal risk profile. For example, your employer will contribute half the standard premium if you are identified to be of good health and do not engage in hazardous pursuits.  

Further information is available in the ‘Insurance in your super’ section of the PSS Product Disclosure Statement and the Death and invalidity benefits booklet available in the product disclosure statement section of our website. 
Our claims team are here to assist our members to navigate the claims process from start to finish. Giving our members peace of mind that their families and futures are in safe hands.
There's no 'one size fits all' approach to having adequate insurance cover.

Superannuation Voluntary Code of Practice 

The Insurance in Superannuation Voluntary Code of Practice (the Code) is the superannuation industry's commitment to high standards when providing insurance to members of superannuation funds.

The overarching objective of the Code is to improve the insurance in superannuation offered and the processes by which insurance benefits are provided.

The Code came into effect on 1st July 2018, and we will have until 30 June 2021 to fully comply.

CSC believes that group insurance through superannuation is a fundamental support mechanism for our members in the time of their greatest need.

Details regarding CSC's implementation of the Code, including a timeline, will be published on our website over the coming months.

Download the Code of Practice.

Partners for life  

When you die, your benefit will be paid to any eligible spouse and/or eligible children. If you have no eligible beneficiaries, your benefit will be paid to your estate.

Contributing PSS and CSS members have the option to take up a PSSap Ancillary membership. As a PSSap Ancillary Member, you are able to complete a Binding Beneficiary Nomination that will allow you to choose the distribution of death benefits from your PSSap Ancillary account balance, including any proceeds of your insurance cover.

Next, I'd like to know more about...

Eligibility for Insurance and Cover

When you join PSSap, you’re generally covered. But here’s the detail.

Learn more


One of the benefits of ADF Cover is to provide for you and your family if you are discharged due to invalidity.

Learn more

Family & Beneficiaries

Your family is important and understanding how to protect them if the worst happens can give you peace of mind.

Find out more

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