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Automatic cover for new members joining through a participating employer

If you work for an employer that’s chosen Equip Super as its nominated super fund, you may be eligible to receive default death and total and permanent disablement (TPD) cover through Equip Super. We generally don’t provide default IP cover, however, you can apply if you need it.

Our default death and TPD cover in Equip MyFuture is Smart Cover. Smart 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.
  • If you join Equip Super through your employer which has a specific insurance offering, your cover will be different to Smart Cover. Check your PDS for more details on your cover.
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 don’t work for an Equip Super employer

If you join Equip Super directly, work for an employer that hasn't chosen Equip Super as its nominated super fund, previously missed out on cover, or had your employer-paid cover stop when you ceased employment because you were under age 25 and/or had an account balance of less than $6,000, you may be eligible for default cover in Equip MyFuture - Personal. 

To receive default cover, you must:

  • opt in within 120 days of receiving your welcome letter, and
  • meet the eligibility and automatic acceptance conditions, and
  • have an employer contribution paid into your account.

The amount of default cover you may receive is based on your age and it will be limited for 24 months. For more information, see the Equip MyFuture - Personal PDS.

To be eligible for death and TPD cover in Equip 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.

These are known as the eligibility conditions. You need to meet these conditions to obtain cover in Equip 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 death and TPD cover automatically, provided you’ve met the eligibility and automatic cover conditions shown above, once we’ve received an employer contribution for you after your Equip Super account reaches $6,000 and you’re 25 or older.

If your employer pays for your insurance cover, your default cover will start when we receive your first employer contribution.

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 the Fund, your default cover will start as limited cover, until you have been at work for 30 consecutive days (this includes weekends and public holidays). 

If we receive your first employer contribution after 120 days of you joining the Fund, your default cover will be limited for the first 24 months of it starting. Limited cover will cease once you've been at work for 30 consecutive days from the 23rd month of the limited cover period. You may be able to remove the limited cover earlier by answering 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 conditions and automatic acceptance conditions outlined above.

Your default cover will start on the later of:

  • the date 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.

You can find out more in the Insurance in your super guide.

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 Equip MyFuture PDS and 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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