West State Super insurance

As a West State Super member, you may already have insurance through your super.

We offer three types of insurance with your West State Super account:

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

Are you eligible to join our Professional and Executive category?

If you’re eligible for our Professional and Executive category, you might benefit by paying lower premiums for your insurance.

Find out if you’re eligible and how to apply for our Professional and Executive category.

Your account may include basic insurance cover

If you’re eligible, you’ll automatically receive what’s known as basic cover, unless you have chosen to opt out or have cancelled your cover. The cost of this insurance is deducted directly from your West State Super account each month.

Generally, to be eligible for automatic cover you need to be:

• Working in the WA public sector
• Receiving Superannuation Guarantee (SG) contributions from your employer, and
• Younger than 65

You don’t automatically receive insurance if you’re a casual

If you’re a casual employee, you may be eligible to apply for cover. Learn more about our insurance options for casual employees.

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

Learn more about Special Conditions Cover in our Insurance and your super brochure.

Types of insurance cover

Types of insurance cover

Insurance type	Insurance benefit	Basic cover
Death	A one-off lump-sum payment in the event of your death (and includes a terminal illness benefit).	Up to $200,000 depending on your age
Total and Permanent Disablement (TPD)	A one-off lump-sum payment if you are totally and permanently disabled and can’t work because of that condition.	Up to $200,000 depending on your age
Salary Continuance Insurance (SCI)	A monthly income of up to 75% of your pre-disability income for up to two years if you become disabled due to sickness or injury. You may also be entitled to a Superannuation Top-Up Benefit.	Up to $4,200 per month determined by the number of hours per week that you work

When you turn 46, the amount you are insured for Death and TPD will decrease each year unless you fix your cover.

Remember to check your insurance

It's important to review your insurance regularly to make sure it’s right for you, especially when your circumstances change.

With insurance through West State Super, you have the option to:

• Increase, decrease or fix your cover 
  You can apply to increase or choose to decrease or fix the amount of your cover, at any time, through Member Online.

  Find out how to change your insurance or how to make a claim.

• Opt out of your cover
  You can opt out of part or all of your cover in Member Online. Please remember that if you’d like to reinstate or increase your insurance cover in the future, you’ll need to apply and meet eligibility criteria.

Statutory insurance

As a West State Super member, your level of Death and TPD benefit may be adjusted if all of these conditions apply to you:

• You’re a covered risk benefits member, as defined in the State Superannuation Regulations 2001 (WA)
• You’re an eligible statutory West State Super member
• You’re under 60 and have not opted out of your Death or TPD cover

We will pay a top-up if your entitlement under the state superannuation legislation exceeds the amount payable by our Insurer.

Learn more about your West State Super insurance.

1 SuperRatings Smart database as at 31 December 2023. Based on an average balance of $50,000, fees for the My West State Super plan, the My GESB Super plan and the RI Allocated Pension Balanced plan are below the industry median. Fees includes administration, investment, and transaction fees and costs. Fees may change periodically.
2 This includes lost and unclaimed account transfers to the Australian Taxation Office (ATO).
3 If you are a Gold State Super member and currently employed in the WA public sector, you may be eligible to open a West State Super account, provided you have pre-1 July 1983 service.