FAQs

A casual employee means you are:

• Engaged by a Participating Employer (an employer that is eligible to make contributions to your GESB Super or West State Super account)
• Paid at an hourly rate
• Not entitled to be paid annual leave or sick leave in your employment

You are also considered a casual employee if...

Yes. If you opt in within 90 days of us receiving your employer’s first Superannuation Guarantee (SG) contribution, you may be eligible for basic cover. If you apply after 90 days, or if you apply for a higher level of cover...

No - if you started employment as a casual employee on or after 1 July 2010, you aren’t eligible for automatic basic cover.

You may be able to opt in for basic cover without completing a full insurance application. To apply, you’ll need to...

If you were initially employed on a casual basis, and you are later made permanent or employed on a contract (not as a casual) with the same employer, we may provide you with insurance cover, subject to certain eligibility rules from a date determined by GESB and the Insurer. If...

If your employer pays your Superannuation Guarantee (SG) contributions into your GESB Super or West State Super and you’re under 65 and meet certain eligibility criteria, you will be automatically covered for:

• Death and Total and Permanent Disablement (TPD)
• Salary Continuance Insurance

If you started working on a casual basis on or after...

Once you’ve logged in to Member Online, visit the ‘Insurance’ page.

Select the ‘Apply for insurance’ button.

To make sure only you can apply for insurance within your account, we’ll send a code to your mobile or email for you to complete our two-part identity check known as multi-factor authentication (MFA).

As...

Death cover provides a one-off lump-sum payment in the event of your death (and includes a terminal illness benefit¹).

TPD cover provides a one-off lump-sum payment if you are totally and permanently disabled and can’t work because of that condition.

1 Death cover also entitles you to claim for a terminal...

Salary Continuance Insurance (SCI) provides a monthly income of up to 75% of your pre-disability annual income for up to two years if you become disabled due to sickness or injury. In addition, you may also be entitled to a Superannuation Top-Up Benefit.

You can use Member Online to change your occupation category, sum insured, fix your cover or change some other details.

If you’ve decided to make changes to your insurance, log in to Member Online and visit the ‘Insurance’ page.

You’ll find an option to ‘Change your insurance’. Select this button.

You’ll be directed...

If you are under 65 years old when you join GESB Super or if you’re already a West State Super member, you’re automatically eligible for:

• Death (including Terminal Illness) cover
• Total and Permanent Disablement (TPD) cover
• Salary Continuance Insurance cover

Other eligibility conditions apply - and these will be different if you’re a ...

If you’re like most GESB Super and West State Super members, your Death cover, Total and Permanent Disablement (TPD) cover and Salary Continuance Insurance (SCI) cover will be provided as:

• Basic cover - which is the standard level of cover provided to eligible members. The amount of cover is explained below.
• Voluntary...

If you’re a GESB Super or West State Super member, the cost of Death and TPD insurance cover depends on your age, if you're male or female, occupation category, type and amount of cover. If you need to be assessed by our Insurer, the Insurer may also consider other factors.

Occupations...

If you’re a GESB Super or West State Super member with insurance cover, you might be eligible to join our Professional and Executive occupation category. If you meet the eligibility criteria, you could keep your current level of cover but reduce the premiums you pay.

To apply, download our ...

At some point in your career, you may need to take unpaid leave. The impact your leave will have on your super and insurance cover will depend on the length of time you take and the reason why you take it.

When...

If you’re employed in Reserve or Active service in the Australian Defence Forces, taking military leave can impact your insurance with your GESB Super or West State Super account.

Active Service means, whether in Australia or overseas, participation in the armed forces of...

If you need to make a claim, the first step is to call us on 13 43 72 between 7.30am and 5.30pm (AWST), Monday to Friday. Our insurance claims consultants will help you with lodging your claim and provide you...

If we need to get in touch with you over the phone, we may call you from one of the following phone numbers:

• 08 9278 7001
• 08 9211 6680

We will only contact you in response to a query you have made or in relation to your account administration. For example, to clarify...

You can apply for an authority, or arrange for your nominated ‘third party’ to do this on your behalf.

To apply, please download the Third party authority form. You can complete the form digitally, including your signature and email it back to us.

Third party authorities are...

A third party authority allows the authorised person (or employee, if it’s for an organisation), to access the information we hold about you and your accounts.

This may include:

• Your personal and employment details
• Your account balance
• Details of your transactions
• Information about how your funds are invested
• Details of any insurance within your account

The authority...

You can give another person, such as your financial adviser, your partner or a family member, access to your account information with a Third party authority form.

To protect your privacy, we will only release information about you to another person if we have your written...

You can check your details in Member Online at any time. If you need to make a change to your contact information, you can update the ‘Personal details’ page once you login.

• Updating your...

If you work in the Australian Defence Forces, being on military leave for Reserve or Active service can have an impact on your super.

The impact can depend on a number of factors including the type of leave and the type of super account you have with us. The following conditions...

The way your super is handled if you separate or divorce is guided by the Family Law Act 1975 (Cth) (Family Law Act).

According to the Family Law Act, your super is treated as property that can be divided between parties in the event of a marriage breakdown. The law allows...

Your super may be considered lost if it fits the definition of uncontactable or inactive.

This means:

• Uncontactable - you have never provided a contact address, or your recorded contact details have become invalid (for this to happen, we must receive two pieces of returned mail and/or...

If you already know what happens to your super when you divorce, we will now take a closer look at what will happen to your GESB Super account.

The way your super is handled depends on whether your Family Law Court order is dated before or after 28 December 2002.

This...

If you already know what happens to your super when you divorce, we will now take a closer look at what will happen to your West State Super account.

The way your super is handled depends on whether your Family Law Court order is dated before or after 28 December...

Your super may be considered lost if it fits the definition of uncontactable or inactive.

This means:

• Uncontactable - you have never provided a contact address, or your recorded contact details have become invalid (for this to happen, we must receive two pieces of returned mail and/or a returned email for the...

You can make sure your super isn’t at risk of becoming lost by:

• Telling us if you change address, phone number or email address
• Making regular contributions to your super account
• Logging into Member Online to manage your super regularly
• Providing us...

Like many other funds, we value your account using units.

When you, or your employer, make a contribution to your account, you purchase units in your investment plan. The units change in value as the value of the underlying asset classes (which make up the various investment plans) either increase or...

Forward unit pricing means that the unit price we declare for any given day is based on the value of our assets at the close of business that day.

We work out the unit price for Monday, for example, based on the value of our assets at the close of business...