TWUSUPER provides insurance cover to help protect you and your family in the event of your death, or if you’re unable to work due to serious illness or injury.
Most TWUSUPER members aged 18 and over automatically receive Death and Total and Permanent Disablement (TPD) cover when they join (Death cover is sometimes called life insurance). Eligible members can apply for income protection, and extra Death and TPD cover.
If you’re not sure which insurance cover is right for you, or you need more information, call us on 1800 222 071 between 8am and 8pm (AEST/AEDT) weekdays.
You can check your current cover through Member Online.
Total and permanent disablement cover
TPD cover provides you with a lump sum payment if you’re unable to work again due to severe illness or injury (and you meet the other conditions of the insurance policy).
Eligible TWUSUPER members aged 18 and over automatically get basic TPD cover when they join. You can apply to change your cover at any time.
The TPD fact sheet explains TPD cover in more detail and answers common questions about making a claim.
Death cover provides your beneficiaries with a lump sum payment if you die.
Eligible TWUSUPER members aged 18 and over automatically get basic death cover when they join. You can apply to change your level of death cover at any time if you decide you need more or less cover than what is automatically provided. If you apply to increase your cover, you may be required to provide medical information.
If you’re a potential beneficiary of a TWUSUPER member who has passed away, our Death cover fact sheet outlines the process for making a claim.
Income protection cover
Income protection is a monthly benefit that provides you with an income for up to two years if you are unable to work due to serious illness or injury. Benefit payments start after the insurer has accepted your claim and your waiting period (your choice of 30, 60 or 90 days) is over.
Generally, if you're under 65 and working at least 15 hours a week, you can apply for income protection cover. Note, you need to hold (or apply for) death cover to be eligible for income protection cover.
How much cover can you apply for?
If you are eligible for income protection cover the minimum monthly benefit is $1,000 per month. The maximum monthly income protection benefit you can claim is the lower of:
- 84.5% of your pre-disability income, or
- your agreed value of income protection cover, or
- $30,000 a month.
How to apply
Download and fill out the Application for insurance cover form.
Lifetime event cover
Throughout your life insurance needs change.
Lifetime event cover provides extra Death and TPD cover for specific life events such as marriage, having a child (including adoption), a salary increase, getting a mortgage, the death of a spouse, divorce, a child starting school or becoming eligible for the Centrelink Carer's Allowance.
The insurer must receive your application:
- within no more than 60 days of the event, or
- within 60 days after the next member statement is issued to you after the event.
You can apply for this online by logging into Member Online.
If you don't have Member Access, you can apply for Lifetime event cover by using the Lifetime event insurance cover form and posting it back to us.