Death and disability cover

Death and Total and Permanent Disablement cover can offer you and your family protection against the financial loss you could experience as a result of illness, injury or death.

The amount of cover you would automatically receive with LGIAsuper depends on various factors such as employment status and age.

Key Features

  • If you suffer total and permanent disability, or die, you or your beneficiaries could get a lump-sum insurance benefit – this is in addition to the balance of your LGIAsuper account at the time a claim is made and accepted
  • A Death (includes terminal illness) or Total and Permanent Disablement benefit is only paid once.
  • The amount payable on Total and Permanent Disablement can’t be more than your Death benefit.

Tailored to your needs

You can tailor your Death and Total and Permanent Disablement cover to suit your needs. Options include:

  • Fixing your insurance cover at a specified level.
  • Even lower premiums if you work in a low risk or professional occupation.
  • Being automatically covered for Terminal Illness as part of your Death cover.
  • Choosing to have Death only cover.

Duration of cover

Your Death and Total and Permanent Disablement cover continues every year wherever you’re working, as long as you remain an LGIAsuper member and continue to pay your premiums.

Your cover continues until your 65th birthday, unless you choose to cancel before then. There are some circumstances where your insurance may end before then.

Further Information

Full details about our cover can be found in the LGIAsuper Insurance guide (2.7MB).

If you have a Defined Benefit account your insurance cover is different - guides related to your fund are available on our PDSs and guides.

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