Gold State Super insurance

Your Gold State Super account includes automatic death and disability insurance, at no extra cost, for as long as you’re making contributions, and until you turn 60.

Here’s a summary of the insurance benefits provided with your Gold State Super account.

Types of insurance cover

Types of insurance cover
Type of cover When you’re covered Insurance benefit

Death

If you pass away while employed in the WA public sector and you’re younger than 60

  • Your accrued benefit - the benefit you have built up in Gold State Super until the date of your death, plus:
  • An insured benefit – see 'Your insurance provides different types of cover' below

Total and permanent disability

If you become medically incapable (whether physical or mental) of working in your usual position or any other position that you are trained, experienced and qualified to do until you’re at least 60

  • Your accrued benefit – the benefit you have built up in Gold State Super until the date you retire due to total and permanent disability, plus:
  • An insured benefit

Partial and permanent disability

If you become medically incapable (whether physical or mental) of working in your usual position until you’re 60 but you can perform other duties suited to your experience, education and training or ability to be re-trained

  • Your accrued benefit – the benefit you have built up in Gold State Super until the date you retire due to partial and permanent disability, plus:
  • An insured benefit

For more information and examples to help you work out your insurance benefit, read the Insurance and your super, Gold State Super fact sheet.

Your insurance provides different types of cover

The type or ‘level’ of cover you have is based on the results of the medical test you completed when you joined Gold State Super.

If you’re not sure what level of cover you currently have, log into Member Online or check your latest member statement. You might have:

  • Standard Cover
    If the results of your medical test were satisfactory, you have maximum cover, known as ‘Standard Cover’.  
    If you pass away or become permanently disabled while you’re a member, your insured benefit is equal to the benefit you would have received if you had continued contributing until age 60.
  • Limited Cover
    If your medical test showed medical conditions that increased your risk of retiring before age 60, you have ‘Minimum Cover’ for those conditions.
    However, if your death or permanent disability is not caused by the conditions that have limited cover, you are entitled to Standard Cover.
  • Minimum Cover
    If you chose not to complete a medical test, then you have ‘Minimum Cover’. This is based on the Commonwealth Government’s Superannuation Guarantee (SG).
    If you pass away or retire as a result of permanent disablement, your insured benefit is equal to the benefit you would have received if you had continued contributing at the rate of the SG until age 60.

You might be able to increase your cover

If you have Limited Cover, you can ask us to review your cover if your medical condition has improved.

If you would like to increase your Minimum Cover to Standard Cover, you’ll need to cover the cost of a medical test so we can assess whether you can change your cover.

For more information, please call your Member Services Centre on 13 43 72.

1 If you stop working in the WA public sector or reduce your work hours to less than one hour a week, you will no longer be an active Gold State Super member. However, if you re-join the WA public sector or increase your work hours within 12 months, you may apply to continue your membership.

Page last updated 01 August 2025

Thank you for printing this page. Remember to come back to gesb.wa.gov.au for the latest information as our content is updated regularly. This information is correct as at 14 June 2026.