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With the uncertainty around us at the moment, you may be wondering about your insurance cover. Here’s the good news: generally speaking, your cover has not been impacted by COVID-19.
We have not made any significant changes to our underwriting practices, with the exception that we will take into account any travel you have made to overseas countries while they are on the Federal Governments Do Not Travel list due to COVID-19.
Covering your insurance premiums
If your account balance has insufficient funds to cover your insurance premium then any insurance cover you hold may be cancelled. To ensure that your cover does not cease, you will need to make a contribution to your PSSap account to cover the total premiums due. You may receive communications from us if your insurance is at risk of being cancelled.
If your insurance cover has already been cancelled, we’ll send you a letter confirming your cover has been cancelled. If you’d like to reinstate your cover, you’ll have 60 days from the date of our letter to request for your cover to be reinstated, and you’ll need to do this in writing. You won’t be eligible to claim for any events after the date your insurance is cancelled.
You can check your super balance and level of cover using Member Online Services.
If you need to make a claim
If you need to make an insurance claim, whether it is COVID-19 related or otherwise, you simply need to meet the eligibility requirements for the benefit you are claiming.
There are certain circumstances when a TPD claim could be assessed on a more restrictive definition. An example of this is if you haven’t been in gainful employment at any time during the 3 months before the date of the incident you’re claiming for.
To support you through the claims process and make it as easy as possible, you’ll be provided with a dedicated case manager. Your case manager will be your direct contact throughout your claim and will keep you updated regularly.
Find out more about making a claim.
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