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Income Protection (SalarySafe) cover

Club Super’s Income Protection cover will protect your income if you’re temporarily unable to work.

“Protect your income and support your family if you’re temporarily unable to work”

You will automatically receive SalarySafe cover without needing to provide any evidence of health.1 SalarySafe provides you with 24 hours, 7 days a week income protection cover. It pays a benefit of up to 90% of your income, for the first 26 weeks of your claim (tapering applies thereafter).

Features and benefits

  • SalarySafe provides up to 90% of your pre-disability income plus a 10% Superannuation Guarantee contribution into Club Super on your behalf.
  • A choice of a 28, 30, 60 or 90 day waiting period.
  • A maximum benefit period of 104 weeks.
  • A loyalty bonus after 5 years of continuous cover.

SalarySafe fees are based on your employer Superannuation Guarantee contribution, multiplied by 10.16%.2

The maximum benefit payable cannot exceed 90% of your pre-disability income (excluding Superannuation Guarantee contributions).

Loyalty bonus

After 5 years continuous cover with no claims, your benefit will be backdated to commence 7 days earlier (i.e. to 21 days for default waiting period). The maximum benefit payment period of 104 weeks still applies.

For more details on SalarySafe and the various conditions that apply, please read the Insurance section of the Club Super PDS and the Club Super Additional Information - Insurance in your super.

More information

  • Club Super Additional Information - Insurance in your super 1599.25 KB PDF

    Download
  • Club Super PDS 701.22 KB PDF

    Download
  • Application to Change Income Protection Insurance (SalarySafe) 70.59 KB PDF

    Download

1 The date cover commences depends on the date you joined Club Super, please refer to the SalarySafe section of Club Super Additional Information – Insurance in your super.

2
You automatically receive a 28 day waiting period unless you elect another waiting period.