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Insurance & Cover

Sometimes the unexpected happens. We’re there if it does. At CSC, we want to make sure that if you aren’t able to work for any reason, you and your family can still feel secure. You’re in safe hands.

Insurance through your PSS membership can help to protect your lifestyle and support your family in the unlikely event of injury to you or even your death.

What are my insurance options?

Contributing PSS members receive automatic permanent invalidity or death benefits at no extra cost; you are covered 24 hours a day, seven days a week.

Generally, you are covered for a benefit based on your entitlement had you worked to age 60. However, limited benefit members accrue benefits only up to the date of retirement or death – no future service is taken into account (this is outlined in your Member Statement).

Some members may be entitled to increase the amount that they are covered for on death or invalidity by purchasing Additional Death and Invalidity Cover (ADIC) insurance. 

PSS members can also access flexible Death, Total and Permanent Disablement and Income Protection through a PSSap Ancillary membership—more information about this option can be found in the Insurance and your PSSap super booklet.

As with all insurance policies, premiums, conditions, exclusions and eligibility criteria apply.

In this section you can learn more about:

  • limited benefits membership
  • full benefits membership
  • optimising benefits with additional cover

Further information is available in the Death and Invalidity Benefits section of the Product Disclosure Statement.

Super insured senior man wearing hat gazing in distance

Limited Benefits

As a limited benefits member in PSS, in the event of invalidity or your death, your PSS benefit will be paid as a lump sum, calculated only up to your date of exit. No future service will be taken into account for your final PSS benefit calculation. 

Full Benefits

To be a full benefits member, you must have completed Your confidential medical and personal statement (CMAPS) form and have been assessed to be sufficiently healthy to carry out your duties without taking excessive sick leave within your first three years of membership.

Re-joining members are required to complete an updated CMAPS form within the first 14 days of re-joining PSS.

What insurance benefits could I receive as a full benefits member?

Permanent invalidity

In the event your permanent invalidity is approved by CSC and you are retired on invalidity grounds by your employer, you will be paid an invalidity benefit based on the value of the benefit accrual you would have received if you had worked to age 60. You can elect to take this benefit as a pension or a combination of a pension and lump sum.


In the event of your death, your eligible spouse and/or dependants will be paid a percentage of the pension you would have been paid if retired on invalidity grounds.


Medical assessment

PSS must know your health history and if there is the potential for medical problems to affect your employment or result in claims to PSS within your first three years of membership. This is why new PSS members must complete a form, called Your confidential medical and personal statement (CMAPS). It should be completed and returned to CSC within 14 days of commencing your PSS membership. Medical assessments must be held for all new members, regardless of prior membership. After you submit your completed CMAPS form, you receive a medical assessment. If, in terms of the PSS scheme rules, you are assessed to be sufficiently healthy to carry out your duties without taking excessive sick leave within your first three years of PSS membership, you will be classified as a full benefits member in PSS.

What if I want to increase my death and invalidity cover, or obtain income protection?

CSC offers flexibility to PSS members in ensuring that the cover they have meets their needs, and the needs of their family. You can choose to access ADIC cover to help fill the ‘gap’ between your current Accrued Benefit Multiple and the maximum amount payable from PSS, or access flexible lifePLUS cover through PSSap Ancillary to provide an additional lump sum death and TPD benefit and/or income protection.

Premiums and fees for Additional Death and Invalidity Cover

Generally, the cost of group insurance arrangements is inexpensive when compared to similar cover taken out privately. For more information on the cost of ADIC, please refer to the Death and Invalidity Benefits section of the Product Disclosure Statement.

You can obtain an online estimate for ADIC by clicking on the LIFEapp online insurance tool.

PSS will confirm your allowable ADIC amount and the associated premium once your application for ADIC has been received to ensure you do not exceed your maximum benefit limit. 

What is Additional Death and Invalidity Cover?

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.

ADIC is accessed via application (underwriting) and your employer pays 50% of the standard premium for you if you are assessed a standard risk (that is, you are considered to be of good health and do not engage in hazardous pursuits).

The remaining 50% of the standard premiums and any additional premium loadings are paid by you, deducted directly from your pay each fortnight. You will need to pay the entire premium during any period of unpaid leave.

ADIC is offered through group insurance arrangements which generally mean the cost of additional cover is inexpensive when compared to similar cover taken out privately. For more information on the cost of ADIC, please refer to the Death and Invalidity benefits booklet.

How ADIC works within the PSS

ADIC provides additional cover on death or total and permanent disablement, where you cannot achieve the maximum coverage that would be available through PSS. An example of this is if you joined or rejoin the PSS later in life and have a short prospective service career before turning 60.

ADIC helps to fill the “gap” between your current Accrued Benefit Multiple and the maximum amount payable from PSS. Over time, as you work longer, PSS receives more contributions and your Accrued Benefit Multiple increases. At the same time, the amount of ADIC also reduces to ensure you do not exceed your Maximum Benefit Limit (Salary increases and contribution rates will also affect your ADIC cover.)

If you retire due to invalidity, the additional cover will make up a portion of your overall indexed pension. Where invalidity retirement is due to a terminal illness, you can choose to receive the payment as a lump sum amount. In the event of your death, your eligible spouse can take the benefit as either a lump sum or an indexed pension. If you die without dependants, the benefit is paid to your estate as a lump sum.

For more information on how ADIC can support you please refer to the Death and Invalidity benefits booklet.

Accessing ADIC

Contributing PSS members can obtain a quote and apply for ADIC using the LIFEapp online application tool, available through PSS Member Online. This process takes approximately 20 minutes.

Alternatively, members can complete the Election to take out or vary additional death and invalidity cover form. Before applying, it is worthwhile noting the following:

Your current Accrued Benefit Multiple (ABM)

Your ABM will help determine the maximum amount of ADIC you can apply for. Your ABM can be obtained from your last Annual Statement via PSS Member Online or by calling us.

PSS will confirm your allowable ADIC amount once your application has been received to ensure you do not exceed your maximum benefit limit.

Exclusions that may apply

There are instances where ADIC will not be payable at claim time, this includes if you are deployed into a peacekeeping role or in active service with the armed forces. A full list of exclusions is available within the Death and Invalidity benefits booklet.

Ceasing employment - continuation of cover

Any existing ADIC in place when you cease to be contributing member will cease. Members are able to apply to the insurer (within 60 days of ceasing to be a contributing member) to continue any Death cover directly with them.

The application process

A personal medical statement is required with most applications for additional cover. You may also need to have a medical examination or produce medical reports from your doctor to establish your level of fitness to obtain the cover. The insurer will advise you if this is required.

We recommend you read the Additional Death and Invalidity Cover section within the Death and Invalidity benefits booklet to fully understand the ADIC benefit, the cost of cover and how it may help you as a contributing PSS member.


LifePLUS cover

How does lifePLUS cover interact with my defined benefit scheme?

PSSap lifePLUS cover allows you to apply for cover that is not available in the defined benefit schemes—including income protection cover and terminal illness benefits (included in PSSap death and TPD cover).
PSSap lifePLUS death and TPD insurance is payable in addition to death and invalidity benefits and can assist to structure insurance arrangements by:

  • Topping up the cover available in your defined benefit scheme
  • Providing an additional lump sum to cover mortgage or debts, or allow for home modifications or medical expenses
  • Structuring the defined benefit pension for income replacement purposes only with an additional lump sum payment to be used as needed. 

As a PSSap Ancillary Member, you have the option to complete a Binding Beneficiary Nomination that will allow you to choose the distribution of death benefits of your PSSap Ancillary account balance, including any proceeds of your insurance cover. 

How much cover do I need?

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 scheme, 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 if things go wrong. 



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