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 service, you’re treated as a full-time member of the regular Defence Force, receiving a Defence Force salary and the same employment conditions as permanent members.

Your insurance benefits may be available through the Military Super Scheme.

Death and Total & Permanent Disablement (TPD) cover continues in Reserve training

If you go on leave to take part in Reserve training, your Death and Total & Permanent Disablement cover will continue until your account does not have sufficient funds to cover your insurance premiums.

Salary Continuance Insurance (SCI) might not continue

Your Superannuation Guarantee (SG) employer contributions are based on your salary. When you are on paid leave, your employer contributions will be paid as normal. When you take leave without pay (LWOP) and no salary is paid, no employer contributions will be paid.

Your SCI cover will lapse if your account doesn’t receive an SG contribution for 120 days. However, you can elect to continue SCI cover if you let us know that you are on leave without pay.

How unpaid leave affects your insurance

Check your details are up-to-date

It’s important we have your current contact details so we can contact you if we need to tell you important information about your account or your insurance cover.

To view or change your current details, login to Member Online or call us on 13 43 72.

Page last updated 26 February 2019