Eligibility for Insurance and Cover

When you join PSSap you’re eligible for lifePLUS auto cover. Your age and account balance will 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.

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Eligibility for Insurance and Cover is only applicable to PSSap scheme members, for more information on Insurance and Cover for other schemes please see our Insurance and Cover page.

Who gets lifePLUS cover?

New Customers

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 under $6,000
 An employee with a contract of more than 3 months under 25 under $6,000
 A casual employee any age any amount
 Any employee or contractor any age under $6,000

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 joining in one of the following ways:

  • By logging into your account, then going to the insurance section online and clicking the Keep my Insurance button
  • By making a selection through the personalised digital welcome experience you received when you joined PSSap, to let us know you’d like to take out 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.

Ancillary Customers

If you are in the PSS or CSS super schemes and you’re a contributing Customer, 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.

Returning Customers

If you are a PSSap Customer who was in Australian Public Service (APS) employment before October 2016 and you haven’t held lifePLUS choice cover since then, you may still be eligible for lifePLUS auto.

If you left the APS before 2016 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 joining up again to take up lifePLUS auto cover if:

  • you’re under 25, or
  • your account balance is less than $6,000.

When does my cover start?

  • 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.

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 coverand to take up cover you’ll need to opt in within 60 days of getting your welcome letter.
  • 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 letter.
  • 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 stop working permanently?

We’ll have to cancel your cover if you stop working permanently because you’re sick or injured, or you’re lodging a claim for sickness, disability or Income Protection benefits.

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 your cover at any time.

 

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