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Review your insurance cover to protect your future

Life’s not predictable, so you may wish to protect yourself and your ability to earn an income against possible sickness or injury. You could do this through insurance cover, such as income protection, death and total and permanent disability (TPD).

Death and TPD cover

In the past, insurance inside super was generally provided automatically to anyone who signed up to their employer’s super plan (this is sometimes called default cover because members don’t need to answer health or lifestyle questions to get covered).

But the rules around this changed on 1 April 2020, with updates to super laws. These laws aim to protect certain super accounts from being eroded by the costs of insurance that some people may not want. As a result, to be eligible to keep automatic (default) insurance with your employer super plan, you must:

  • Have had a balance of at least $6,000 in your super account at some time between 1 November 2019 and by 31 March 2020, and
  • Not have an inactive super account – meaning your super account must have received a payment in the last 16 months.

It’s important to note if either of these apply to you and you haven’t opted ‘in’ to continue your insurance, then you may not have insurance cover through your super.

Importantly, if you do still have Death and TPD cover with Club Plus it will remain active as long as your balance is enough to cover the monthly premiums and your account isn’t inactive for 16 months. This means even if you are out of work or your employer closed its doors, your Death and TPD cover can continue.


Man on computer

Joe works for his local registered club. Unfortunately, due to the COVID-19 restrictions the club closed its doors on 22 February and Joe was placed on unpaid leave until the club reopens. At that time Joe had $300,000 of Death and TPD cover. Even though Joe is no longer working his Death and TPD cover remains active because he has enough balance within his Club Plus Super account to pay the premiums. The club’s closure has not affected this insurance.

Short-Term Income Protection cover

At Club Plus Super, our Short-Term Income Protection insurance is designed to cover you against personal injury or illness whilst you’re working. It’s not business insurance, so unfortunately it does not cover you for loss of job or being stood down due to COVID-19. This means your Income Protection cover stops once you stop working. The good news is when you return to work (hopefully very soon), your Income Protection cover will reactivate once we receive your ­first employer superannuation payment (unless your cover has been terminated as a result of your balance being under $6,000 or your account has been inactive for the past 16 months).


woman on phone

Beth had an active Income Protection insurance cover within her Club Plus Super account when her employer closed its doors due to the COVID-19. The club closed 22 February so her Income Protection cover ceased on this date. Luckily for Beth her employer is looking to open the doors shortly, meaning as soon as we receive the first contribution from her employer, her Income Protection will reactivate.

And now from one of our members

When Karen fir­st joined Club Plus Super in 1996, the last thing she thought she would need to rely on was her Income Protection insurance – not once, but twice.

“You can’t think, it’s not going to happen to me. I dread to think of the situation we would have been in if we didn’t have income protection.”

Protecting her income and lifestyle with Karen

Insurance is extremely important, and we encourage you to contact your local member services manager or call us on 1800 680 627 for further information regarding your personal cover.

The insurance described here is a guide only and you should read the important information about insurance including eligibility, exclusions, terms and conditions before making a decision. Go to and read the relevant Insurance Booklet (or call us on 1800 680 627 for a copy) and seek independent ­financial advice around this if you are unsure.

This is general information only and does not take into account your personal objectives, financial situation or needs. Prior to acting on any information in this document you should read the appropriate Product Disclosure Statement for any product you are considering, (available at or by calling 1800 680 627) and seek independent financial advice around this if you are unsure.

Issued by Club Plus Superannuation Pty Limited, ABN 26 003 217 990, AFSL 245362, the Trustee of the Club Plus Superannuation Scheme ABN 95 275 115 088. Club Plus Super is not licenced to provide general ­financial product advice except as it related to our products.

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