lifePLUS choice—take your pick
Maybe you’d like more or less insurance, or the certainty of fixed costs. If so, then customise your cover with lifePLUS choice.
Are you covered for the right amount?
The most simple way to think about your cover needs is to consider your current and future financial obligations. This includes you and your family’s day-to-day expenses, debt repayments, and potential medical expenses if things go wrong. Our lifeAPP insurance calculator can help you to review your insurance needs.
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.
Things you need to know
If you elect to cancel your insurance and wish to apply for insurance in the future, you will need to complete an application form and may be required to undertake medical testing before your cover will be accepted.If you choose to only cancel Income Protection cover, you may be required to meet a stricter disability test to access TPD benefits in the future.
Want to know more about insurance through super?
If you’re thinking about making changes to your insurance cover, you might want to consult a financial adviser. As an ADF Super/PSSap customer, you can get simple advice on common questions from CSC’s authorised financial planners for no additional cost.
We’ve broken down some of the key points about lifePLUS and we’ve published a Key Facts Sheet to help you easily compare lifePLUS automatic cover with other funds.
This document outlines your PSSap insurance options, and explainswho is eligible, how you can change your cover or opt out, how much cover costs,and the conditions and exclusions that apply. It forms part of the PSSap Product Disclosure statement.
Insurance in Super Key Fact Sheet
Next I'd like to...
Make a claim with lifePLUS Protect
With CSC, the process of making a claim is simple. We guide you every step of the way.Read more
Eligibility for lifePLUS Protect
If you’ve left the ADF and kept your ADF Super account, you may be eligible for lifePLUS Protect cover.Find out more
We've got you covered with lifePLUS Protect
Our flexible lifePLUS Protect insurance cover for your civilian life gives you peace of mind today and secures your tomorrow.Find out more