Death and Total and Permanent Disability
We know that no matter what happens, you want you and your family’s finances to be secure. Our Death and Total and Permanent Disability cover protects you and your family in the worst-case scenario.
At CSC, we wish all our members and their families healthy and happy lives. But we know that sometimes there are occurrences that people just can't foresee, and in the worst-case scenario, leave them with little room to recover.
Our Death and Total Permanent Disability cover helps provide for you and your family when you're unable to work and can't see yourself returning to the workforce, either because of death or permanent illness and injury.
Here are some of the key points:
Benefits are paid as a lump sum
Even when the worst happens, we understand that there will still be expenses, bills and debts to be paid. We pay your Death and TPD insurance benefits in a lump sum to either you or your dependents to give you peace of mind.
If you're in lifePLUS auto, our default insurance option, your level of cover is fixed. However, we know that all circumstances are different so those on our flexible product – lifePLUS choice, can tailor their cover to them. You can move from lifePLUS auto to lifePLUS choice at any time.
If you're under 55, you can also transfer your cover from other superfunds or insurers subject to some conditions, but do contact us for more information. We'd be happy to help.
You might be able to get assistance for Terminal Illness
If you suffer from a terminal illness you might be eligible for a Terminal Illness benefit equal to the amount of your Death Cover.
To qualify, you must have been diagnosed with an illness or injury that is likely to result in your death within 24 months from the date of certification by two medical practitioners, one of which has to be a specialist in that area.
Do check out the Insurance and your PSSap Super booklet for more information.
Cover is generally based on your age
If you're with lifePLUS auto you automatically receive cover that changes depending on your age. Your Death and TPD cover is usually higher when you need it more – in the life stages where you might be incurring greater costs or having to handle more expenses, for example, starting a family or buying a home. Your cover is usually lower when you need it less – in life stages where your income is highest, you're contributing more to your super and when your mortgage decreases.
If you're on lifePLUS choice, you can also choose age-based Death and TPD cover at any time. However, if your current level of cover is less than the aged based cover for you at that point in time, you'll have to go through underwriting.
You can fix or tailor your cover
If you're with lifePLUS auto cover, you can fix your cover at any time. You can also apply for any additional cover through underwriting. Because you're making your insurance more flexible, this means you'll be transferred to lifePLUS choice.
lifePLUS choice members can also increase or decrease their offer. Use the LIFEapp tool to find out how best to tailor your lifePLUS cover. If you want to make any changes, use the lifePLUS Application and variation form.
You might be able to transfer your other insurance cover
If you currently have Death and TPD cover with other insurers or super funds you might be able to consolidate them with us, provided that:
- You're under 55 and an Australian resident
- You're transferring a maximum of $2m, and only $1m per transfer
- You cancel your cover with the other superfunds or insurers.
You can apply using the Transfer of Insurance cover form.
Any financial product advice provided in this website is general advice only and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on any such general advice, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. You may wish to consult a licensed financial advisor. You should obtain a copy of the relevant Product Disclosure Statement and consider its contents before making any decision regarding your super.
When your cover ends
Your Death and TPD cover ends whenever the first of the following happens:
- You turn 70
- You claim for terminal illness or TPD benefits. However, if your Death cover is higher than your TPD cover, your remaining Death Cover will continue
- You stop being a member of PSSap
- 60 days after non-payment of your premiums when they are due
- If you permanently leave as a non-resident of Australia or become ineligible to work in Australia
- 60 days after you cease employment with an eligible employer and don’t meet the conditions to keep your cover
- If you tell us in writing that you want to cancel your cover or if we terminate the policy with the insurer
- If you die
Cancelling your lifePLUS cover
You can cancel your Death and TPD cover at any time. You can also cancel only your TPD cover. But you can't cancel your Death cover in isolation. If you cancel cover and want to be covered again in the future, you will have to go through underwriting.
If you want to cancel your lifePLUS cover call us on 1300 725 171. We're here to help.
Exception and restrictions
We can't pay your Death or TPD benefits if your situation was caused either wholly or partly, directly or indirectly, by:
Active service in the armed forces or peacekeeping forces of any country or territory or foreign or international organisation, armed or unarmed
Participation in a combat or fighting force of any country or territory or foreign or international organisation
A self-inflicted act, while either sane or insane where Limited Cover applies or within 13 months from the date of acceptance of any underwritten cover
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