The information below applies to Division 5 (Accumulation) members only.

Division 2, 3 and 4 members should contact us for more information on their benefits.

Income protection insurance ensures that if you are temporarily unable to work due to injury or ill health, your income will be protected so that your finances don’t cause you additional stress.

What you need to know

Income protection insurance is available to active and retained members under the age of 60 and is payable for up to 12 months.

Active members are automatically provided with income protection cover.

Retained members who are employed can obtain income protection insurance on a per unit basis at a fixed weekly premium dependent on their level of cover and age.

Income protection cover is not available to spouse members.


More information

Find the relevant information below to find out more about levels of cover and how benefits and premiums are calculated.

Making changes

Retained members can make changes to their income protection insurance by downloading the attachment below and emailing the completed form to us at

What's next?


If the worst happens, who would you like to receive your super balance and relevant benefits?

My life changes

As your life changes, you may wish to make changes to your options to better protect you and your family.

Death & TPD insurance

Have confidence that your income will be protected and your family’s finances will be secure.

What our members say

“I gained a better understanding of my current superannuation position, other superannuation products available to me & general retirement options.”


Ensure that your loved ones are looked after if anything unexpected happens. Insurance provides peace of mind by protecting your income if you are unable able to work. We can talk you through the options to make sure that you get right level of cover.

Learn more

Come and talk to us

Get your super sorted with a face to face consultation.

No cost. Start growing your super today.