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Additional Death and Invalidity Cover (ADIC) Premium reduction 2023

Frequently Asked Questions

07 Mar 2023

Significant event notice

PSS Additional Death and Invalidity Cover premium rate reduction 2023

Significant Event Notice (SEN) for PSS customers regarding premium rate reduction in Additional Death and Invalidity Cover (ADIC).

What is ADIC?

Additional Death and Invalidity Cover (ADIC) is an additional insurance arrangement available to contributing members of the PSS who are under the age of 60 to get the most of their PSS membership in the event of their permanent disablement or death.

Why are my premiums changing?

As part of our commitment to providing value to you, we regularly review our insurance offering with our insurance partner, AIA Australia Limited. This review includes making sure the premiums you pay are competitive and fair for the additional cover we provide through PSS. After our recent review, we’ve negotiated a decrease to the amount you’ll pay for ADIC Death and Total and Permanent Disablement (TPD) cover from 1 March 2023.

When does my premium decrease from?

You should see the results of the reduced premiums in your pay from pay period 2–15 March 2023. This will generally be in the form of a small increase in your fortnightly take-home pay from 16 March 2023. Because your employer pays part of your ADIC premium, we’ve let them know about the new premium rates and have asked them to update your premiums for payday 16 March 2023

What do I need to do?

Nothing, we’ve provided your employer with your new premium amounts and have asked them to update your premiums for payday 16 March 2023.

What if I don’t see a reduction on payday 16 March 2023?

If you don’t see your new premiums reflected in your pay on 16 March, talk to your employer. Your employer is responsible for updating the premiums, if they need assistance with making these changes they can contact our dedicated Employer Service team.

What is my current premium?

You can find your current premiums on the letter we sent you advising of the premium reduction. You can also view your premiums by logging in to your online account at

What is my new premium?

Your premium will be reduced on 1 March 2023, these changes will be reflected in your pay from pay period 3–16 March 2023. You can find your updated premiums on the letter we sent you advising of the premium reduction, alternatively call 1300 000 377 or email

How much is my premium reducing by?

You can review the ADIC premium table for the new premium rate that applies to you, based on your age last birthday.

Should I cancel my insurance cover?

The simplest way to think about the cover you might need is to consider your current and future financial obligations. Make sure you consider the Death and Invalidity payments payable from your Defined Benefit fund, and think about whether extra insurance may be required to cover you and your family’s day-to-day expenses, debt repayments, as well as potential medical expenses for unforeseen circumstances.

You should read the important information about Additional Death and Invalidity Cover before making a decision. The Death and Invalidity Benefits booklet provides important information on your death and invalidity benefits including eligibility requirements, applicable conditions and exclusions and entitlements, and how to change or cancel Additional Death and Invalidity Cover.

If you decide you no longer require cover, you can elect to cancel or vary your insurance cover at any time by competing our Apply for or change Additional Death and Invalidity Cover (ADIC).

Cancelling insurance cover is an important consideration. Before you decide to cancel cover, you need to be aware that if you decide to take up Death or Death and TPD cover again in the future, you will need to apply again and undergo underwriting.

Need to claim?

We’re here to support you, the sooner we know about your injury or illness, the sooner we can assist you with your claim. Even if you have an existing employment process underway or are on leave, please let us know by calling 1300 001 777.

When you or your employer let us know you’d like to make a claim, we’ll pair you up with a dedicated Case Manager who will personally oversee the process. Your case manager will:

  • help you with the paperwork and answer your queries;
  • be a direct contact for you, all the way through your claim;
  • monitor progress and talk to the insurer on your behalf;
  • keep you up-to-date with how your claim’s going; and
  • make sure your claim is being assessed efficiently.

Claiming ADIC is a separate process to claiming benefits from PSS. When you apply for Invalidity retirement, the insurer may require you to undergo a separate medical examination by an AIA Australia approved medical practitioner. The insurer will need to determine your eligibility for payment of the ADIC under the group life insurance policy.