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Your insurance options

Death & TPD cover Death only cover Income protection cover
Description Provides you and your family with financial security if you die or become permanently disabled. Provides your family with financial security if you die. Provides a replacement income if you are affected by an injury or illness that impacts on your earnings.
Eligibility  VicSuper FutureSaver members under age 70 (TPD cover is not available to members who are aged 65 or over upon joining), legally permitted to reside and work for reward in Australia.  VicSuper FutureSaver members under age 70, legally permitted to reside and work for reward in Australia. VicSuper FutureSaver members under age 65, working at least 14 hours per week, either self-employed, a casual employee, a contractor with a contract with your employer of at least six months, or a permanent employee, and legally permitted to reside and work for reward in Australia.
Automatic cover (Employeesaver members only)

6 units
(Up to $309,000 
depending on your age)

Increase your cover with minimal health evidence if you are within your special insurance offer period.
(Employeesaver members only)

6 units

TPD cover is not available to new members joining after age 65.

Increase your death cover without having to complete lengthy forms or undergo medical tests, if you are within your special offer period.
 
(Employeesaver members only)

6 units 
(Up to $3,000 per month)

Increase your cover, or change your benefit period to 5 years, or change your waiting period to 30 or 60 days, without having to complete lengthy forms or undergo medical tests, if you are within your special insurance offer period
Maximum cover available Unlimited death cover
Up to $5 million TPD cover
Unlimited The lesser of $30,000 per month or 85% of your gross annual income
Cover options
 
Unit-based or Fixed Unit-based or Fixed Waiting periods

90 (default), 60, or 30 days

 
Maximum benefit period

2 years (default), 5 years or up to age 65
Premiums Vary depending on your cover type Vary depending on your cover type Vary depending on your cover type
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