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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.

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We've got you covered

From weekly bills to unexpected expenses and debt, we know that everyday life costs. At CSC, we've got you covered with lifePLUS, our flexible approach to Income Protection and Death and TPD insurance.

When the unexpected happens, we want you to be sure you’re in safe hands. Living a full life comes with risk. Whether it’s an injury that takes you out of work for a few months, or something more serious or even permanent, you and your family deserve to be provided for. That’s what lifePLUS is for.

With lifePLUS, you have two main types of cover:

1. Income Protection

This is cover for when you’re injured or get sick for a period of time. Not only does this protect your income, you might also receive cover for rehabilitation programs and career support to get back to work, in a way that works for you.

2. Death and TPD (Total and Permanent Disability)

This is cover for you and your family if you get injured permanently or die. If you aren’t able to work again, a lump sum is paid to help cover the cost of living and any expenses or debts you might have had before.

 

You can get insured for these three – Death, Death & TPD, and Income Protection – separately or in any combination.

As with all insurance policies, premiums, restrictions and exclusions may apply. Further information is available in the Insurance and Your PSSap Super booklet.

Super insured senior man wearing hat gazing in distance

lifePLUS Auto (default)

When you join PSSap, eligible members are automatically covered by lifePLUS Auto. Applying for insurance can be tricky - so we've made it automatic. No application forms or medical tests needed.

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With lifePLUS Auto you get*:

  • Benefits paid for up to 5 years if you’re sick or seriously injured, after a 60-day waiting period
  • Continuing super contributions
  • Death and TPD cover, the level of which varies based on your age.

 

*Conditions, exclusions and eligibility criteria apply. Refer to the Insurance and Your PSSap Super booklet for more information.

Man and woman calculating their super contributions

lifePLUS Choice (Flexible)

If you want to customise your cover for whatever reason, our lifePLUS Choice cover lets you.

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With LifePLUS Choice you can:

  • Change the period over which income protection benefits are paid, or the waiting period
  • Fix your Death and TPD cover so that it stays the same every year until you turn 61.

Protecting your income

We understand that your dedication at work covers the costs of daily life. With lifePLUS Income Protection, we cover you when you’re injured or sick, so you don’t have to worry.

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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.

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Eligibility for Insurance and Cover

Generally, when you become a member of PSSap you’re automatically covered under lifePLUS. However, there are a few technicalities. Here’s everything you need to know.

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Back with rehab

Work means more than just labour. For many people it gives purpose, fulfilment and community. At CSC, we’re doing all we can so that if you are injured, you can start doing what matters to you again.

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Make a claim

We know that when you make a claim, it means something hasn’t gone quite right. At CSC, we try to make the process as simple and transparent as possible, giving you peace of mind every step of the way.

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Lifeapp insurance calculator - Invalidity

LIFEapp insurance calculator

The LIFEapp calculator uses some personal details and some financial details to determine how much death, total and permanent disablement (TPD) and Income Protection insurance you may need.

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CSC will adopt the Insurance in Superannuation Voluntary Code of Practice.

The Insurance in Superannuation Voluntary Code of Practice (the Code) is the superannuation industry's commitment to high standards when providing insurance to members of superannuation funds.

The overarching objective of the Code is to improve the insurance in superannuation offered and the processes by which insurance benefits are provided.

The Code will come into effect on 1st July 2018, and we will have until 30 June 2021 to fully comply.

CSC believes that group insurance through superannuation is a fundamental support mechanism for our members in the time of their greatest need.

Details regarding implementation of the Code, including a timeline, will be published on our website over the coming months.

Download the Code of Practice here.

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