alt text

We've got you covered with lifePLUS

If the unexpected happens and you become sick or injured, our flexible lifePLUS insurance cover is there to help you shore up your today and secure your tomorrow.

Select a scheme
  • ADF Super
  • CSCri
  • CSS
  • MilitarySuper
  • PSS
  • PSSap
I don't know my scheme
We're still finalising content for CSCri on this page.
For now, please see Retirement income stream to understand your product options with CSCri.

Although traditional insurance is not offered for this scheme, members do receive death and invalidity benefits. These benefits are provided under the scheme rules and you do not pay insurance premiums or other fees.

We've got you covered

Contributing CSS members have access to partial invalidity, invalidity retirement, and death benefits at no extra cost. These are superannuation benefits, rather than insurance, so you are automatically covered when you become a CSS member. Further information about death and invalidity benefits, including the circumstances in which they are payable and how they are calculated, is available in the downloads below.

CSS Death and invalidity benefits

This document outlines information on your CSS death and invalidity benefits. It forms part of the CSS Product Disclosure statement.

CSS Product Disclosure Statement

Issued 6 December 2019, this document provides important information about the features, benefits, risk and cost of investing your super in the Commonwealth Superannuation Scheme. It includes references to the Investment options and risk, Fees and other costs, Tax and your CSS super and Death and invalidity benefits booklets which form part of the Product Disclosure Statement.

Although traditional insurance is not offered for this scheme, members do receive death and invalidity benefits. These benefits are provided under the scheme rules and you do not pay insurance premiums or other fees.

Planning ahead pack

Understand what happens to your CSC superannuation benefits when you pass away, and the things that can be done to make it simpler for your family or loved ones.

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—our default cover

Applying for insurance is often tricky, but we've made it simple and straight forward. There are no application forms or medical tests for lifePLUS auto. When you join PSSap, if you meet eligibility conditions, you’ll be automatically covered by lifePLUS auto.

Find out more

With lifePLUS auto you get*:

  • Income Protection benefits paid for up to two or five years depending on your age group if you’re sick or seriously injured, after a 90-day waiting period,
  • contributions of 15.4% paid directly to your PSSap account, and
  • Death and TPD cover levels that vary based on your age.

*Conditions, exclusions and eligibility criteria apply. Refer to our:


Medical assessment

PSS must know your health history and if there is the potential for medical problems to affect your employment or result in claims to PSS within your first three years of membership. This is why new PSS members must complete a form, called Your confidential medical and personal statement (CMAPS). It should be completed and returned to CSC within 14 days of commencing your PSS membership. Medical assessments must be held for all new members, regardless of prior membership. After you submit your completed CMAPS form, you receive a medical assessment. If, in terms of the PSS scheme rules, you are assessed to be sufficiently healthy to carry out your duties without taking excessive sick leave within your first three years of PSS membership, you will be classified as a full benefits member in PSS.

Man and woman calculating their super contributions

lifePLUS choice—take your pick

Maybe you’d like more or less insurance? If so, then you may prefer to customise your cover with lifePLUS choice.

With lifePLUS choice you can*:

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

*lifePLUS choice cover is subject to a full insurance application and underwriting by our insurer, AIA Australia. Cover may not be accepted or may be offered on modified terms and conditions

If you're under 55, you may also be able to transfer your cover from other super funds or insurers to CSC—subject to some conditions. Contact us for more information. We'd be happy to help.

Terms and conditions apply

Like all insurance policies, lifePLUS insurance cover is subject to you meeting the policy terms and conditions, which includes eligibility criteria, age-based and account-balance rules, restrictions and exclusions. Find out the full story in our Insurance and Your PSSap Super booklet.

What is Additional Death and Invalidity Cover?

Additional Death and Invalidity Cover (ADIC) is an additional insurance arrangement available to contributing members of the PSS who are under the age of 60 to get the most of their PSS membership in the event of their permanent disablement or death.

ADIC is accessed via application (underwriting) and your employer pays 50% of the standard premium for you if you are assessed a standard risk (that is, you are considered to be of good health and do not engage in hazardous pursuits).

The remaining 50% of the standard premiums and any additional premium loadings are paid by you, deducted directly from your pay each fortnight. You will need to pay the entire premium during any period of unpaid leave.

ADIC is offered through group insurance arrangements which generally mean the cost of additional cover is inexpensive when compared to similar cover taken out privately. For more information on the cost of ADIC, please refer to the Death and Invalidity benefits booklet.

How ADIC works within the PSS

ADIC provides additional cover on death or total and permanent disablement, where you cannot achieve the maximum coverage that would be available through PSS. An example of this is if you joined or rejoin the PSS later in life and have a short prospective service career before turning 60.

ADIC helps to fill the “gap” between your current Accrued Benefit Multiple and the maximum amount payable from PSS. Over time, as you work longer, PSS receives more contributions and your Accrued Benefit Multiple increases. At the same time, the amount of ADIC also reduces to ensure you do not exceed your Maximum Benefit Limit (Salary increases and contribution rates will also affect your ADIC cover.)

If you retire due to invalidity, the additional cover will make up a portion of your overall indexed pension. Where invalidity retirement is due to a terminal illness, you can choose to receive the payment as a lump sum amount. In the event of your death, your eligible spouse can take the benefit as either a lump sum or an indexed pension. If you die without dependants, the benefit is paid to your estate as a lump sum.

For more information on how ADIC can support you please refer to the Death and Invalidity benefits booklet.

Accessing ADIC

Contributing PSS members can obtain a quote and apply for ADIC using the LIFEapp online application tool, available through PSS Member Online. This process takes approximately 20 minutes.

Alternatively, members can complete the Election to take out or vary additional death and invalidity cover form. Before applying, it is worthwhile noting the following:

Your current Accrued Benefit Multiple (ABM)

Your ABM will help determine the maximum amount of ADIC you can apply for. Your ABM can be obtained from your last Annual Statement via PSS Member Online or by calling us.

PSS will confirm your allowable ADIC amount once your application has been received to ensure you do not exceed your maximum benefit limit.

Exclusions that may apply

There are instances where ADIC will not be payable at claim time, this includes if you are deployed into a peacekeeping role or in active service with the armed forces. A full list of exclusions is available within the Death and Invalidity benefits booklet.

Ceasing employment - continuation of cover

Any existing ADIC in place when you cease to be contributing member will cease. Members are able to apply to the insurer (within 60 days of ceasing to be a contributing member) to continue any Death cover directly with them.

The application process

A personal medical statement is required with most applications for additional cover. You may also need to have a medical examination or produce medical reports from your doctor to establish your level of fitness to obtain the cover. The insurer will advise you if this is required.

We recommend you read the Additional Death and Invalidity Cover section within the Death and Invalidity benefits booklet to fully understand the ADIC benefit, the cost of cover and how it may help you as a contributing PSS member.


LifePLUS cover

How does lifePLUS cover interact with my defined benefit scheme?

PSSap lifePLUS cover allows you to apply for cover that is not available in the defined benefit schemes—including income protection cover and terminal illness benefits (included in PSSap death and TPD cover).
PSSap lifePLUS death and TPD insurance is payable in addition to death and invalidity benefits and can assist to structure insurance arrangements by:

  • Topping up the cover available in your defined benefit scheme
  • Providing an additional lump sum to cover mortgage or debts, or allow for home modifications or medical expenses
  • Structuring the defined benefit pension for income replacement purposes only with an additional lump sum payment to be used as needed. 

As a PSSap Ancillary Member, you have the option to complete a Binding Beneficiary Nomination that will allow you to choose the distribution of death benefits of your PSSap Ancillary account balance, including any proceeds of your insurance cover. 

How much cover do I need?

The simplest way to think about the cover you might need is to consider your current and future financial obligations—make sure you consider the death and invalidity payments payable from your defined benefit scheme, and think about whether extra insurance may be required to cover you and your family’s day-to-day expenses, debt repayments, as well as potential medical expenses if things go wrong. 



Protecting your income

For most of us, work is how we cover the cost of living. If you have lifePLUS Income Protection and you are injured or sick, we’ve got you covered. It’s one less thing to worry about.

Meeting costs of living

Death and Total and Permanent Disability

No matter what happens, most people want to be financially secure. Our Death and Total and Permanent Disability cover helps by protecting you and your family if you become permanently injured or ill, or if you die.

Death and total permanent disability

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.

Getting ready

Make a claim

It’s easier than you might think: When you let us know you’d like to consider claiming, we’ll pair you up with a dedicated case manager who personally oversees the process.

Make a claim
Lifeapp insurance calculator - Invalidity

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

Our Insurance Strategy

This document explains our insurance principles and how we design our cover, claims philosophy and principles.

Read our insurance strategy
Make a claim

Make a claim

It’s easier than you might think: When you let us know you’d like to consider claiming, we’ll pair you up with a dedicated case manager who personally oversees the process.

Learn more

Insurance Strategy

This document explains our insurance principles and how we design our cover, claims philosophy and principles

See all the detail for our insurance products, including information on claims and nominations

You may also like...

ADF Cover death benefits

One of the benefits of ADF Cover is to provide for your family if you die while serving in the ADF.

Learn more


One of the benefits of ADF Cover is to provide for you and your family if you are discharged due to invalidity.

Learn more