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Automatic cover for new members working for a contributing employer

If we receive a contribution from your employer within 120 days of joining Catholic Super, you may be eligible to receive default death, total and permanent disablement (TPD) and income protection (IP) cover.

Our default death and TPD cover provides an amount of cover that changes as you age, based on what a typical member may need at certain life stages.

  • Death cover starts at lower levels while you're young and increases until you reach your mid-forties, to reflect the financial commitments many members may have at this stage of their lives.
  • TPD cover is provided at higher levels through middle age, then gradually decreases as members generally have larger super balances and changing financial needs.

IP cover is generally provided at a fixed amount of $3,000 per month with a benefit period of up to 2 years and a waiting period of 90 days. In the event of a claim, IP benefits are limited to a maximum of 87% of your pre-disability income. Default IP cover does not apply to members joining via transport industry employers – please refer to the Insurance in your super guide for more information.

Types of cover

Our insurance products are designed to support you when you need them most so you can choose the right cover for your needs, at the right time.

Learn more

If you’re self-employed or not working with an employer

If you’re self-employed, or you join Catholic Super without expecting employer (or Superannuation Guarantee) contributions to be paid into your account, you won’t receive any default cover.

However, you can apply for death, TPD, or IP cover at any time online by logging into Member Online, or completing a Change insurance cover form and a Personal Statement.

Change insurance cover form

PDF 398561 KB

Personal statement

PDF 1433311 KB

To be eligible for default cover in Catholic Super, you must be:

  • An Australian resident, i.e. an Australian citizen, a person holding a valid Australian visa with permission to work in Australia, or a New Zealand citizen who is residing and working in Australia, and
  • Older than 15, and
  • For death cover, younger than 70, and
  • For TPD cover, younger than 65
  • For IP cover, younger than 65.

These are known as the eligibility conditions. You need to meet these conditions to obtain cover in Catholic Super.

To be eligible to receive cover automatically:

  • You must meet the eligibility conditions shown above, and
  • You must not be applying for, intending to apply for, or have been paid a TPD or terminal illness benefit from another super fund or Australian life insurer, and
  • You must not have previously advised us that you don’t want to receive automatic cover, and
  • We must receive an employer contribution for you.                    

You’ll receive default cover automatically, provided you’ve met the eligibility and automatic cover conditions shown above, and once we’ve received an employer contribution for you after your Catholic Super account reaches $6,000 and you’re 25 or older.

Your default cover will be limited cover

Limited cover means you aren't covered for pre-existing conditions. You're covered for any illness diagnosed, or injury that occurs, after your cover starts.

If we receive your first employer contribution within 120 days of you joining Catholic Super, your default cover will be limited cover from the date it starts until you have been at work for 30 consecutive days (this includes weekends and public holidays). 

If we receive your first employer contribution more than 120 days after you join, your default cover will be limited cover for the first 24 months. Limited cover will end once you've been at work for 30 consecutive days on or after the 23rd month of that period. You may be able to have limited cover removed earlier by completing personal health questions and obtaining insurer approval.

Refer to the Insurance in your super guide for more information.

Opt-in to start your default cover

You can choose to start your default cover without underwriting by opting in within 120 days of receiving your welcome letter, provided you meet the eligibility and automatic acceptance conditions.

Your cover will start on the later of:

  • the day we receive your opt-in request, and 

  • the date we receive your first employer contribution into your account. 

If you opt-in more than 120 days after receiving your welcome letter, you'll need to complete underwriting and be approved by the insurer.

For more information

Detailed information about default death and TPD cover, including eligibility conditions, conditions on automatic cover, and the level, type and costs of cover, can be found in the Catholic Super PDS and the Insurance in your super guide.

We're here to help

If you have any queries about your insurance cover, or if you’d like to talk to someone about the types of cover that may suit your needs, our team can help.

Contact us

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