LifePLUS cover PSSap customers

PSSap customers may have access to lifePLUS cover insurance, including income protection and total and permanent disability (TPD) benefits.

Customers of PSSap may have access to insurance through lifePLUS cover. There are two types of cover: lifePLUS auto cover and lifePLUS choice cover.

lifePLUS auto is the default cover offered to most PSSap customers. Depending on their age and super balance, PSSap customers may need to opt in to lifePLUS auto cover. We let our customers know whether they need to opt in once they’ve joined. If your employee is covered under lifePLUS auto cover, it’s likely that they have income protection, death and TPD insurance.

PSSap customers can apply for lifePLUS choice cover if they wish to customise their insurance to better suit their needs.

If your employee is a PSSap customer, they can find out exactly what they’re covered for by logging into member services online, or by reading through their annual statement from us.

For more details on lifePLUS cover, see the Insurance and your super booklet and the lifePLUS Key Facts Sheet.

How lifePLUS cover works to help customers get the right outcome

Our lifePLUS income protection and TPD cover are designed to complement each other. They allow eligible PSSap customers to receive ongoing income replacement, including super contributions, and access ongoing support through vocational rehabilitation and return-to-work services, for a benefit period of up to 5 years. Our TPD benefits generally have a waiting period of 2 years.

This approach allows us to better understand our customer’s needs and ensure that they get the right outcome in the long term.

Income protection

PSSap customers don’t have to use all of their sick leave before making a claim for income protection. However, your agency’s enterprise agreement (or similar employment arrangement) may require all paid sick leave to be used before your employee can take unpaid sick leave. It’s important to note that any payments made by your agency to your employee, including sick leave payments, will reduce the amount of income protection payable. This shouldn’t stop your employee from submitting a claim though. It’s important that we’re able to assess them for income protection and our early intervention and rehabilitation programs as early as possible.

It’s during the claim notification process that we assess our customer to see if they qualify for our early intervention and rehabilitation programs. The programs allow us to support our customer by connecting them with early intervention, wellness and rehabilitation services while they undergo the claims process.

Total and Permanent Disability (TPD)

If a PSSap customer is suffering from a medical condition that renders them unable to continue working in any capacity, they may wish to make a claim for TPD insurance through lifePLUS cover. A TPD claim is initiated by our customer.

There are qualifying periods that apply to TPD claims. This means that a PSSap customer may not be eligible to make a claim until they’ve been unable to perform any work due to their sickness or injury for that qualifying period, which can be up to 24 months. The length of the qualifying period differs depending on the customer’s situation and can be waived entirely for certain conditions.

If your employee stops working because of their medical condition it’s important that they speak to us as soon as possible. This way we can assist them as much as possible before their qualifying period has been met.

Terminal illness

As part of a PSSap customer’s Death and TPD Cover, they also have a Terminal Illness benefit. The Terminal Illness benefit is equal to their Death cover. PSSap customers with a life expectancy of less than 24 months should be encouraged to contact us as soon as possible so we can provide them with information about their insurance.

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