FAQs

1 - 30 of 106 results for Member FAQ
  1. What insurance cover is automatically provided?

    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...

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  2. What is Death and Total and Permanent Disablement (TPD) cover?

    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...

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  3. What is Salary Continuance Insurance (SCI) cover?

    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.

  4. Who is eligible for automatic insurance cover?

    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

    If you became a GESB Super or West State Super member after you turned...

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  5. What insurance options are available?

    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...
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  6. How much does insurance cover cost?

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

    Occupations are categorised into broad...

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  7. How to apply for insurance

    If you’re a GESB Super or West State Super member, you have automatic access to three types of insurance cover:

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

    These can be tailored to suit your individual needs. Here’s how you can apply to increase your insurance cover...

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  8. How to change your insurance

    Your insurance needs change throughout your life. After any major lifestyle change, it’s important to check you have the right level of cover to support your partner or family, should anything happen to you.

    On this page you’ll find the steps you need to take to make changes to your insurance...

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  9. How to join our Professional and Executive occupation category

    If you’re a GESB Super or West State Super member with insurance cover, you might be eligible to join the 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.

    Action summary
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  10. How unpaid leave affects your insurance

    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.

    Unpaid leave for GESB Super and West State Super members

    When...

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  11. How military leave affects your insurance

    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.

    You are not covered while on Active service

    If you are a Reservist, taking leave for the purposes of continuous full-time...

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  12. How to make or update a claim

    If your GESB Super or West State Super account includes insurance and you need to make a claim, here are the steps you need to take to get started.

    When you make a claim, some steps involve being redirected to the AIA website. AIA is our insurer.

    Our Insurance Claims Consultants are...

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  13. How to change your details

  14. How military leave affects your super

    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...

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  15. Divorce and your super

    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...

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  16. Transferring lost super to the ATO

    If your super is defined as lost or unclaimed, here’s what happens next.

    We need to transfer lost super to the Australian Tax Office

    You can be considered a lost member by being uncontactable or inactive:

    • Uncontactable - this means you’ve never given us a contact address or two pieces of mail...
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  17. Divorce and your GESB Super

    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...

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  18. Divorce and your West State Super

    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...

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  19. What is unit pricing?

    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...

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  20. What is daily forward unit pricing?

    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...

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  21. What are the risks for unit pricing?

    For us, and other funds that unitise their investments, the risk of unit pricing errors is one of our most significant operational risks. We have robust processes in place to keep any risk of pricing errors to a minimum.

  22. Can I see the unit price history?

    Yes. As unit prices change daily, you can see the unit price history of your investment plan, or any of our other plans, on our unit price page. You can also call us on 13 43 72 for unit pricing information or find step-by-step instructions on

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  23. How to check unit prices

    We use unit prices to value your investment in GESB Super, West State Super, RI Allocated Pension, Transition to Retirement Pension and RI Term Allocated Pension. You can search for unit prices dating back to 1 July 2001 or when your investment plan was introduced.

    If you’re talking to an adviser,...

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  24. How to change your investment plan

    Once you’ve decided which investment plan suits your needs, it’s easy to change your investment plan. Simply follow the instructions on this page to complete the form.

    If you have a GESB Super or West State Super and would like to change investment plan using Member...

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  25. What is salary sacrificing?

    Salary sacrifice is an agreement between you and your employer where you agree to ‘sacrifice’ part of your future before-tax salary. The amount you sacrifice can be paid into your super account by your employer (rather than taking it as salary).

    You can salary sacrifice to your GESB Super or West...

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  26. Why should I consider salary sacrificing?

    Here are some reasons you might decide to salary sacrifice:

    • You’ll pay less income tax - your taxable income is reduced by the amount you salary sacrifice, which means you could pay less income tax.
    • There could be other tax benefits - super is generally taxed1 at what’s known as a concessional...
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  27. Why not salary sacrifice?

    Salary sacrifice might not be the best solution for you, depending on your circumstances.

    There are a few disadvantages:

    • Tax on your final benefit could increase depending on the age that you retire.
    • Salary sacrificed contributions are treated as employer contributions, and in relation to taxed schemes such as GESB Super, are capped...
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  28. Who can salary sacrifice?

    You can only salary sacrifice into your GESB Super or West State Super account if you are currently employed in the WA public sector.

  29. How to start salary sacrificing

    Salary sacrifice contributions are a simple way to grow your super. You can contribute to your GESB Super or West State Super account through your payroll if you’re currently working in the WA public sector.

    If you’d like to complete a payroll deduction form to start making salary sacrifice contributions, you’ll...

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  30. What’s an after-tax personal contribution?

    An after-tax personal contribution is one you make yourself, separate to the 9.5% Superannuation Guarantee (SG) contributions your employer pays into your super account.

    You can make after-tax personal contributions by:

    • Adding to your super from your take-home salary
    • Using lump-sum amounts such as inheritance, lottery winnings or money from selling an asset

    Making...

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