Eligibility for Insurance and Cover
Most customers are eligible for lifePLUS auto cover when they join PSSap. Your age and account balance will generally determine if you’ll need to opt in to get cover or if it’s switched on automatically. Here’s everything you need to know.
Who gets lifePLUS cover?
Generally, when you join PSSap as a new customer—as a permanent employee, an employee with a contract of more than three months or a casual employee—you’re eligible for lifePLUS auto cover, or you can apply for tailored cover through lifePLUS choice if that suits you better.For lifePLUS auto, your work status, your age and your account balance drive whether or not your cover is automatically switched on or if you’ll need to opt in to get cover.
|You’ll need to opt in within 60 days of joining if you are||And your age is||And your account balance is|
|A permanent employee||under 25||any amount|
|A non-ongoing employee with a contract of more than 3 months||under 25||any amount|
|A permanent employee or non-ongoing employee with a contract of more than 3 months||25 or over||under $6,000|
|A casual employee||any age||any amount|
How to opt in to lifePLUS auto
If you see yourself in the table above and you’d like to turn on your lifePLUS auto cover, let us know within 60 days of receiving your welcome experience, and within 180 days of starting work with your designated employer in one of the following ways:
- Log into your account, then go to the insurance section
- Make a selection through the personalised digital welcome experience you received when you joined PSSap, to let us know you’d like to opt in to default lifePLUS cover.
How to opt out of lifePLUS auto
New customers who automatically get lifePLUS auto cover (those who don’t need to opt in), can reduce or opt out of lifePLUS auto within 60 days of receiving their welcome advice without having to pay insurance premiums.
You can, at any time, cancel automatic lifePLUS cover, but you will not be entitled to a refund of any premiums or insurance fees charged to your PSSap account if you do so later than 60 days after being provided insurance.
Other age-based conditions apply
For lifePLUS auto:
- Income Protection cover, you must be at least 14 and 9 months and less than 67
- Death and TPD cover, you must be at least 14 and 9 months and less than 65.
And for lifePLUS choice:
- Income Protection cover, you must be at least 14 and 9 months and less than 67
- Death and TPD cover, you must be at least 14 and 9 months and less than 70.
If you are in the PSS or CSS super schemes, you can apply for lifePLUS choice by joining PSSap as an Ancillary customer.
As well as having access to lifePLUS choice insurance, our Ancillary customers can make extra contributions into an accumulation account to take advantage of flexible investment and contribution options.
If you’re an Ancillary customer, have since claimed your PSS or CSS benefit and re-join the APS, you can elect to become an Employer Sponsored member of PSSap within 180 days of joining your new employer. If you have not previously held lifePLUS choice insurance and you make this election, your Ancillary account will be switch to an Employer Sponsored account and you may be eligible for lifePLUS auto.
If you are a PSSap customer who was in Australian Public Service (APS) employment before October 2016 and you haven’t held lifePLUS cover since November 2017, you may still be eligible for lifePLUS auto.
If you left the APS before 2017 and you’ve received some contributions to your super since then from a non-APS employer, you’re not eligible for lifePLUS auto. If this applies to you, give us a call and we’ll see what we can do to help.
Note that if you’re a returning customer, you’ll need to opt in within 60 days of re-joining PSSap and within 180 of starting with your designated employer to take up lifePLUS auto cover if:
- you’re under 25, or
- your account balance is less than $6,000.
- If you’re a permanent employee or an employee with a contract of more than three months your lifePLUS auto cover starts on the date you let us know you want to opt in.
- If you’re a casual employee, your lifePLUS auto cover starts on the date you let us know you want to opt in and you give us information about your base annual salary.
- If you’ve applied for lifePLUS choice, your cover starts on the date that the insurer accepts your application.
This document outlines your PSSap insurance options, and explains who 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.
Use this form to apply for or vary your lifePLUS cover, or to advise of a salary change.
Who doesn’t get automatic cover?
Insurance always comes with some exceptions and restrictions. There are some cases where you might not automatically be provided with lifePLUS cover:
- If you’re a new customer and you’re under 25, or you’re a new customer with an account balance that’s less than $6,000, you’re eligible for lifePLUS auto cover—and to take up cover you’ll need to opt in within 60 days of getting your welcome experience, and within 180 days of starting work with your designated employer. If you don’t opt in, cover will generally commence automatically when you reach age 25 and/or your account balance reaches $6,000.
- If you’re a casual employee or an employee with contract of more than three months, you’re eligible for lifePLUS auto cover, and to take up cover you’ll need to opt in within 60 days of getting your welcome experience, and within 180 days of starting work with your designated employer.
- If you’re an Ancillary Customer, you’re not eligible for lifePLUS auto cover, but you can apply for lifePLUS choice.
- If you’re 67 and over, you won’t be able to get cover.
What happens if I leave the APS?
If you leave the APS to work for another employer, you can keep your cover going as long as there is enough in your account to cover the cost of monthly insurance premium deductions.
If so, we’ll continue to support the next part of your life by converting your lifePLUS auto cover to lifePLUS choice. You’ll need to let us know of any changes to your salary because this affects your insurance premiums and benefits.
What happens if I take leave without pay?
You can also apply for an extension to the 24-month period as long as you apply before your 24 months is up or before the documented return-to-work date with your employer—whichever comes first.
Inactivity explained: To protect your super balance, under super law we have to make accounts inactive if we don’t receive any contributions for 16 consecutive months. Making an account ‘inactive’ stops your insurance cover.
If you want to keep your cover, even though your account is inactive, you’ll need to write to us within 60 days of your account becoming inactive to let us know. Your insurance cover will continue as long as there’s enough in your PSSap account to pay for insurance premium deductions.
Who gets my super when I die?
Generally, you can’t leave your super to a particular person in your will, so please let us know how you want your super to be paid when you die.
While you don’t have to nominate a beneficiary, it helps us know who you want to look after financially after you’ve gone. To nominate, change or cancel a beneficiary nomination, just complete our Binding beneficiary nomination form.
If you nominate a person who’s not your legal personal representative, and that person is no longer a dependant under superannuation law when you die, we don’t have to pay your benefits according to that nomination.
You’ll need to renew your nomination every three years for it to stay valid, and we’ll do our best to contact you before the three-year period ends.
You take the wheel – view or change your cover online
If you’re a current PSSap customer, log into your account to:
- see your cover all in one place,
- apply to change your cover to suit your needs through lifePLUS choice, or
- cancel some, or all of your cover at any time.
Posted overseas or move to Australia
If you’re posted, seconded or you move overseas, as long as there’s enough in your PSSap account to pay for insurance premium deductions, your lifePLUS cover will continue unless your account becomes inactive*.
It's worth noting that even though your cover continues, you can’t apply to increase your cover or transfer cover into PSSap during your overseas posting/secondment.
To protect your super balance, under super law we have to make accounts inactive if we don’t receive any contributions for 16 consecutive months. Making an account ‘inactive’ automatically cancels your insurance cover.
If you want to keep your cover even though your account is inactive, you’ll need to write to us within 60 days of your account becoming inactive to let us know. Your insurance cover will then continue as long as there’s enough in your PSSap account to pay for insurance premium deductions.
If you’re not an Australian resident, but you’re employed by an eligible PSSap employer, you may be able to get lifePLUS cover. You’ll need to be eligible to work in Australia and be living in Australia.
If you need help deciding if insurance through your super is right for you while you’re living or working overseas, you might like to speak with a licensed financial adviser.
LIFEapp insurance calculator
The LIFEapp calculator uses some personal details and some financial details to estimate how much Death, Total and Permanent Disablement (TPD) and Income Protection insurance you might need.Find out more