Answers to your questions: August 2026

Can a member claim on their PSSap income protection cover at the same time as another income protection policy? And how does PSSap’s income protection cover offer 75% salary replacement when the industry typically offers 70%? 

Generally, a member can only claim on one income protection policy. This means that if your client has income protection cover elsewhere in addition to their lifePLUS cover, they could be paying for cover they can’t claim on. If this applies to our mutual client, call CSC and we can discuss options, including checking if your client can apply to transfer their insurance under lifePLUS choice.

Group insurance in the superannuation environment generally provides a 75% salary benefit component through income protection plus a super contribution component. AIA’s public website may refer to cover available in the retail environment, which generally only offers an average of 70% salary replacement. CSC’s lifePLUS cover has been designed for the unique nature of PSSap members and their diverse employment profiles in the APS. 

PSSap’s lifePLUS cover is one of the only group insurance arrangements that provides members with income protection through default cover. 

See the Insurance and your PSSap super booklet for in-depth details and the dedicated Adviser section on lifePLUS for forms and other useful documents.