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...

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...

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...

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...

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...

We’ve introduced this two-step security check – known as multi-factor authentication (MFA) – to help make sure you are the only one who can make changes to or apply for insurance.

It’s a simple process. When you request any changes to...

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 ...

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 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...

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...

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...

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 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...

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 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 ...