How you're covered

The insurance benefits you automatically receive depend on your age, when you joined LGIAsuper and how you’re employed.

To see what cover you automatically receive, click on the heading below that’s most relevant to your situation. And remember, you can always review and tailor your cover to better suit your needs.

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.

I currently work for Queensland local government
If you work for Queensland local government1 and are...You will automatically receive this type of cover...
a permanent, full-time employee

a permanent, part-time employee
(you work 14.5 hours or more each week)

on a fixed contract of 6 continuous months or more and you work at least 14.5 hours each week
Death, Terminal Illness and Total and Permanent Disablement (TPD), Income Protection cover.
a permanent, part time employee
(you work less than 14.5 hours each week)

on a fixed-term contract of 6 continuous months or more and you work less than 14.5 hours each week

on a fixed-term contract of less than 6 continuous months
(regardless of the number of hours you work each week)

a non-permanent or casual employee
Death, Terminal Illness and Total and Permanent Disablement (TPD).
60 to 65 years if age on 1 July 2015 and joined LGIAsuper before 1 July 2012
(excludes current and former employees of Brisbane City Council and associated employers and some Queensland Urban Utilities employers who had insurance on 30 June 2012)
None. You can still apply for insurance or additional insurance and get a better deal as part of your membership.
65 years or more Non insurance is provided and you are unable to apply

1. Queensland local government includes entities, water businesses and associated employers.

I have left Queensland local government

If you have left your Queensland local government1 employer and...

You will automatically receive this type of cover...
you have insurance through LGIAsuper Any Death, Terminal Illness, TPD or Income Protection cover you have when you resign from local government will continue.

You will need to tell us if you work less than 14.5 hours each week so you do not end up paying insurance you might not be able to make a claim for.

You can also apply for insurance or additional insurance subject to underwriting and get a better deal as part of your LGIAsuper membership,
you do not have insurance through LGIAsuper None. You can still apply for insurance or additional insurance and get a better deal as part of your LGIAsuper membership.
you are between 60 to 65 years age on 1 July 2012 and joined LGIAsuper before 1 July 2012 None. You can still apply for insurance or additional insurance and get a better deal as part of your LGIAsuper membership.
you are 65 years or more No insurance is provided and you are unable to apply.

1. Queensland local government includes entities, water businesses and associated employers

I joined LGIAsuper as the spouse of a member
If you joined LGIAsuper as the spouse of a member and are...You will automatically receive this type of cover with your LGIAsuper account...
under age 65 None. You can still apply for insurance or additional insurance and get a better deal as part of your LGIAsuper membership
age 65 or older No insurance is provided and you are unable to apply

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Not sure how much cover you have?

Check how much cover you have by logging into Member online (and requesting a benefit quote) or calling us.

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Do you have enough insurance cover?

Our Insurance needs calculator will help you work out how much death, TPD and Income Protection you need.

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