Insurance

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.

Insurance through LGIAsuper - video

As part of our commitment to looking after our members, we offer insurance cover to help you meet your financial obligations if you become unable to work due to sickness or injury.

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 cover) 
  • 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
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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)
  • Provides you with a one-off lump sum if you are permanently disabled due to illness or injury or die.
  • Terminal illness cover is also included as part of your Death cover. This provides an early payment of your Death benefit if you're diagnosed with a terminal illness.
 Income Protection
  • Provides a benefit of up to 75% of your salary for up to 2 years to replace part of your income if you become totally or partially disabled due to sickness or injury.

Nominate a beneficiary

Super doesn’t automatically form part of your estate, so if you die without nominating a beneficiary, LGIAsuper will pay your death benefit in line with Australian Government legislation and the rules in our Trust Deed.

You can tell us who to pay your super and insurance to by making a preferred or binding death benefit nomination.

Read more

What cover do I have?

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 (2.7MB).

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 or an employer sponsor that provides us with your salary annually

    If you work for Queensland local government 1 or an employer sponsor that provides us with your salary annually 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)

    Employee of an employer sponsor that does not provide us with you salary annually

    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).
    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 joined as a retail public offer member including members that join as a spouse

    If you joined LGIAsuper as a retail public offer member including members that join as a spouse and are... You will automatically receive this type of cover with your LGIAsuper account...
    under age 65 Death, Terminal Illness and Total and Permanent Disablement (TPD).
    age 65 or older No insurance is provided and you are unable to apply
  • I have left Queensland local government or other employer sponsor

    If you have left your Queensland local government 1 or other employer sponsor 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 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

Not sure how much cover you have?

You can view your current level of insurance cover at any time through Member online. Simply log in to Member online and select the insurance tab.

Log into Member Online

Not Registered for member online yet? Click to register

Can I change my cover?

Your insurance needs are driven by your lifestyle and financial commitments and these factors will change depending on where you are in life.

The level of insurance cover you automatically receive may not be what you actually need. So it’s a good idea to regularly review your cover and make any necessary changes.

Click on any of the topics below to learn more about how to tailor your cover.

  • Do I have enough?

    Before changing your cover, you need to work out if there’s a gap between what you currently have and what you need.

    1. Start by checking what cover you currently have. You can do this by logging into Member online and selecting the insurance tab or contacting us.
    2. Use LGIAsuper’s Insurance needs calculator to get an estimate of how much Death, TPD and Income Protection you need based on your situation and see if there’s a gap in cover from what you currently have. 
    3. You can apply to increase your cover if you feel you don’t have enough. If you think you have more cover than what you need you can reduce your cover or cancel it altogether. You can also fix your cover to a number of units or to a dollar amount (limits apply). 
    4. Before making any changes, read our Insurance guide (2.7MB) (or the relevant Defined Benefit guide on our PDSs and guides page if you have a Defined Benefit account).
  • Can I increase my cover?

    You can apply to increase your cover if you feel your current cover doesn’t meet your needs (or if you have previously cancelled your cover and want to re-apply).

    Depending on the type of cover, how you’re employed and how much you want to increase your cover by, your application may be subject to underwriting. This means you could be asked to provide evidence of good health and the insurer may refuse your application, reduce your level of cover, increase your waiting periods or place exclusions on it.

    For more information, download our Insurance guide. To apply for more cover, complete the Insurance application form at the back of the guide.

    If you have an LGIAsuper Defined Benefit account, read the relevant Defined Benefit guide on our PDSs and guides page for full details on applying for more cover.

  • Can I reduce or cancel my cover?

    If you decide you have more cover than you need, LGIAsuper gives you the flexibility to reduce your cover or cancel it altogether.

    If you cancel your cover and decide later that you would like it again, your application will be subject to underwriting. This means that you could be asked to provide evidence of good health by the insurer.

    For more information on reducing or cancelling your cover, read the Insurance guide (2.7MB) or contact us to learn more about your options. If you want to cancel your cover you’ll need to complete an Insurance cancellation form (IC).

    There are some restrictions on reducing or cancelling your cover if you’re a Defined Benefit member. For full details read the relevant Defined Benefit guide on our PDSs and guides page.

  • Can I fix my cover?

    You can fix the number of units of cover you have at any time. If you do this there will be no recalculation of your number of units each 1 July. However, the value of each unit will reduce with your age at 1 July each year.

    You can also fix your insurance to a dollar amount as long as you’re 61 years or under. This fixed dollar amount will not decrease each year like units of cover (except for fixed TPD cover from age 60 to 65) or be recalculated each 1 July (recalculation applies to Queensland local government employees only).

    You can only transfer your Death and TPD cover from unit-based cover to fixed cover (and vice versa) once every 12 months. Before transferring your cover, read our Insurance guide (2.7MB) for more information on fixing your cover and what premiums apply.

    There are some restrictions on fixing your cover if you are a Defined Benefit member. For full details on your insurance cover, read the relevant Defined Benefit guide on our PDSs and guides page.

No underwriting for life events

Life changes pretty quickly. So it’s good to know your insurance can keep pace with these changes. If you’re getting married (or divorced), expecting a child, or taking out a mortgage, you can apply to increase your Death only or Death and TPD cover by up to an extra 2 units without underwriting.

To be eligible, certain conditions apply. Find out more by reading our Insurance guide.

Download our insurance guide (2.7MB)

 

How do I make a claim?

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 make a claim or for more information, contact us.

Contact us

 

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 (2.7MB).

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 page.

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