Sick or injured PSSap customers

PSSap customers may have access to lifePLUS cover insurance, including income protection and total and permanent disability benefits, and could claim their super if they are permanently incapacitated.

LifePLUS cover

If your employee is a PSSap customer, they may have access to lifePLUS cover insurance—which may include income protection and total and permanent disability (TPD) benefits. Because PSSap customers initiate their own insurance claims, you may not be aware that an employee has submitted a claim. For privacy reasons, we must generally have authority from our customer to discuss their insurance matters with you.

Encourage members to talk to us early

It’s important that a sick or injured PSSap customer contacts us as early as possible about claiming on their insurance, even if they have an existing employment process or a compensation claim underway. We will help our customer to understand what insurance options are available to them, and guide them through the process of how and when to make a claim.

Learn more about lifePLUS cover

Invalidity retirement

Your employee may also be eligible for super benefits from PSSap if they retire on medical grounds. Either you or your employee may apply for an Invalidity Retirement Certificate (IRC) if your employee is to be medically retired, or if they are permanently incapacitated. An IRC will provide confirmation that your employee meets the definition of being permanently incapacitated and is able to access their super.

If your employee has lifePLUS cover, the IRC may not be issued until any outstanding insurance claim has been finalised. This is because the insurer may be working with the employee directly on rehabilitation or return to work opportunities, or seeking additional medical evidence that may assist us in making the right decision regarding your employee’s capacity to work.

If a PSSap customer is to be medically retired, you will need to submit an application to us along with supporting evidence. You can find helpful information below.

IRC quick guide for PSSap members

A quick guide to invalidity retirement for PSSap members

PDF, 329KB

Assisting terminally ill PSSap members

Assisting terminally ill PSSap members

PDF, 351KB

SPC-PSSap Application for issue of invalidity retirement certificate

You can use this form to apply for an invalidity retirement certificate for employees who are PSSap customers. The employee’s case manager will need to complete and sign this.

PDF, 1184KB

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