If you were too sick or injured to work, insurance can protect you and your family by helping you afford your day-to-day living expenses and other financial commitments.
Most LGIAsuper members automatically receive death and disability insurance. So you’ll enjoy peace of mind knowing there’s financial support available if the unthinkable happens.
Why have insurance through LGIAsuper?
Having insurance through LGIAsuper means:
- you receive a minimum level of cover without needing to apply or show evidence of good health (if you receive automatic cover1)
- you generally enjoy lower premiums than if you applied for insurance outside of a super fund thanks to our group buying power
- premiums are automatically deducted from your super account so you won’t have to dip into your take-home pay
What cover is available?
Here’s a snapshot of the insurance benefits we offer.
|Type of cover||Details|
|Death and Total and Permanent Disablement cover (TPD)||
The amount and type of insurance you automatically receive depends on your age, when you joined LGIAsuper and how you’re employed. Find out what cover you automatically receive.
Absolutely. Your insurance needs are driven by your lifestyle and financial commitments and these factors will change depending on where you are in life. That’s why it’s a good idea to regularly review your cover. You can apply to increase your cover if you feel you don’t have enough. Or, if you think you have more cover than what you need you can reduce your cover or cancel it altogether. Find out more about tailoring your cover.
Although we hope you never have to claim, you can count on LGIAsuper to action your insurance claim as quickly and fairly as possible. To help make the process easier for you, we have put together some tips to help get your claim underway.
Where can I get more information?
For detailed information about your insurance cover, including exclusions, increasing or decreasing your cover, and making a claim, download our Insurance guide.
If you have an LGIAsuper Defined Benefit account, your insurance cover is different. For details on the benefits you receive read the relevant Defined Benefit guide on our PDSs and guides page.
1. If you joined LGIAsuper as the spouse of a member you do not receive automatic insurance but you can apply for cover and get a better deal as part of your LGIAsuper membership.