COVID-19 and your PSSap lifePLUS insurance

We’ve still got you covered with lifePLUS insurance during COVID-19

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The invalidity or death benefit you receive automatically as a contributing PSS member is generally based on the one-off payment (or ‘lump sum’) you would receive if you work until you’re 60. This is known as a ‘projected Benefit Multiple’. ADIC can help maximise this amount, effectively ‘filling the gap’ between your current projected Benefit Multiple and the maximum amount payable from PSS. Think of it like purchasing additional Accrued Benefit Multiple (ABM) that can only be used if you die or retire due to invalidity.


This information doesn’t apply if you’re a PSS customer employed on a casual basis. If you’re a PSS customer working casually and you want to know more about ADIC, please contact us.

How is ADIC paid?

If you retire on invalidity grounds, ADIC will make up a portion of your overall pension.

If invalidity retirement is because of a terminal illness, you can choose to receive the payment as a lump sum amount.

If you die, an 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.


How can you apply for ADIC?

If you’re a contributing PSS customer, you can get a quote and apply for ADIC by:

  • using the LIFEapp online application tool available through PSS member services online;
  • calling us on 1300 000 377; or
  • completing an additional death and invalidity cover variation form available from

When you’re requesting a quote or applying for cover you will be asked for your ABM.  You can find your ABM on your most recent annual statement, PSS member services online or we can tell you over the phone.

LIFEapp will determine the maximum level of cover you can apply for. Once we receive your application, we’ll confirm the maximum allowable ADIC amount to make sure you won’t exceed your Maximum Benefit Limit (MBL) if a death or invalidity benefit is payable. You can choose to apply for less than the maximum ADIC cover.

Generally, a personal medical statement is part of the application process, and some applicants may also need to have a medical examination or provide medical reports. The insurer will let you know if this is required.

What information do I need to apply?

You can get a quote or apply for ADIC online via member services online. It only takes a few minutes to complete and submit an application.

Having the following information ready may help you with the application process:

  • your height and weight
  • your medical history, including illnesses, injuries and medications
  • any hazardous pursuits you may engage in
  • your doctor (name, address, contact details)
  • your occupation and average salary (you can get this from your latest annual statement available via Member Services Online).
  • your Accrued Benefit Multiple (ABM) (available on your latest annual statement)

Maximum cover available

The maximum amount of cover available is dependent on:

  • your age
  • the average of your last three (3) birthday salaries
  • present and prospective benefit accruals (to age 60)
  • future salary increases
  • percentage rate changes in contributions

We determine the maximum amount of cover, based on your age when you first apply for ADIC. The amount of cover together with your benefit accrual can’t exceed your potential MBL.

Here’s how we calculate the maximum amount of cover:

Age of customer when cover first taken

Maximum amount of cover available

Younger than age 40

2.20 x average salary

Age 40 to age 49

1.65 x average salary

Age 50 to age 59

1.10 x average salary

Age 60 or older

Not available

You can use the LIFEapp online application tool to work out the maximum level of cover you’re eligible for.

Your maximum cover multiple doesn’t change unless your ADIC is cancelled and restarted or if your payment would exceed your MBL. For example, if you were approved for ADIC when you were 36 years old, your maximum cover multiple remains at 2.20 for as long as you have ADIC, unless this would cause you to exceed your MBL.

If you’ve had multiple separate periods of ADIC, the maximum cover multiple will be based on your age when your latest period of ADIC commenced.

How much will ADIC cost?

Generally, the cost of group insurance is lower compared to similar private cover, and one of the benefits of AIDC is your employer will pay half of the standard premiums and you pay the rest directly from your pay each fortnight.

If you’re identified as a non-standard risk member, you may need to pay any extra premium (directly from your salary each fortnight) as determined by our insurer. Your employer will still pay half of the standard premium.

It’s important to note that the amount paid by your employer will count towards your concessional contributions cap and the amount you pay will count towards your non-concessional contribution cap.

Here’s an example of how maximum cover and premiums are calculated:

Your average salary is


Maximum multiple

1.10 x average salary

Amount of Cover available

$80,000 x 1.10 = $88,000

Premium Rate for 50 year old

$4.08 per $1,000 cover

Annual Premium

$4.08 x 88 = $359.04

(88 = $88,000 / $1,000)

Fortnightly premium

$13.81 ($359.04 / 26)

Your share of premium

$6.90 per fortnight

Employers share of premium

$6.90 per fortnight


ADIC premiums are based on your age in years and the amount of cover you’re eligible for. We’ll let you know your premium when you’re first approved for ADIC, on each birthday and if the premium rates change.

You can find examples and more about premiums in the death and invalidity benefits section of the Product Disclosure Statement.

ADIC annual benefit and premium reviews

ADIC takes into consideration salary increases and percentage changes in contributions, so the cover amount may change after each birthday when a salary review is completed. This may also change the premium amount.

Your cover and premiums will change when the average of your last three super salaries (i.e. your final average salary) changes. We’ll let you and your employer know the new cover amount and premiums.

ADIC while on leave without pay (LWOP)

If you go on approved LWOP for up to 24 months and continue to pay your premiums, your cover will continue until you return to work.

Your employer will continue to pay half of the standard premium rates but only for the first 12 weeks of LWOP.

If you want your ADIC to continue when you’re on LWOP for longer than 24 months, you must apply and our insurer needs to approve your application. If you don’t apply, our insurer may cease your cover and you’d need to reapply in the future. This may mean a lower maximum cover multiple or exclusions or loadings you may not have had before.

It’s important to remember that premiums are still payable though this period. As you won’t be receiving a fortnightly pay to deduct these premiums from, you’ll need to pay the premiums directly to us. If premiums are not received your cover will be cancelled. If you’re planning on taking LWOP, reach out to us on or call us on 1300 000 377 and we can help with the details.

What happens to ADIC when you leave employment?

If you’re leaving eligible employment for PSS and are under 60, you can apply for a continuation of cover within 60 days of leaving your employer.

The continuation of cover may be subject to premium changes and a health declaration. If our insurer approves the continuation of cover, new policy terms and conditions will apply. You’ll be fully responsible to pay premiums directly to the insurer.

What about income protection?

Income protection insurance provides you with an income if you’re unable to work through sickness or injury.

Although Income Protection is not offered through your PSS membership, lifePLUS choice is available to PSS members through a PSSap ancillary account. lifePLUS choice is designed to offer our customers flexible insurance options for death and TPD cover as well as Income Protection.

To find out more about lifePLUS choice visit

Where can I get more information?

You can find more information on our insurance and cover page on our website, or the death and invalidity benefits section of the Product Disclosure Statement

If you have any questions, we’re here to help. Please call us on 1300 000 377 or at


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