CSS Death and Invalidity Benefits
Commonwealth Superannuation Scheme (CSS) members receive Death and Invalidity Benefits automatically. They can also apply for insurance cover.
Benefits and cover available to CSS members:
- Death and Invalidity Benefits—these benefits are received automatically at no cost to the member.
- Income Protection, and Death and TPD insurance—if the member opens an accumulation plan account, they can apply for Income Protection and Death and TPD insurance through lifePLUS choice.
Members should consider the PSS accumulation plan PDS and Target Market Determination before making a decision about becoming a PSSap Ancillary member.
Death and Invalidity—an extra super benefit to CSS members
Contributing CSS members receive Partial Invalidity, Invalidity Retirement and Death Benefits at no cost to the member.
More information about Death and Invalidity benefits, including how we calculate benefits, when they’re payable and how to make a claim is in the Death and Invalidity benefits booklet. This document forms part of the CSS Product Disclosure Statement.
lifePLUS choice—Cover that works with CSS Death and Invalidity Benefits
Benefits paid through lifePLUS choice(member link) cover are on top of amounts received through a CSS Death and Invalidity claim.
Who can apply and how?
Members who are:
- a member with an accumulation plan account to apply for lifePLUS choice(member link); and
- under 67 to apply for Income Protection cover and under 70 to apply for Death and TPD cover.
To open an accumulation plan account, the member must have been employed by an eligible employer for at least 12 continuous months and be a:
- current contributing or preserved CSS member; or
- former CSS member who was contributing at any time on or after 7 March 2021.
An accumulation account works alongside the CSS account and allows the member to apply for lifePLUS choice. For more information:
- visit accumulation plan
- head to lifePLUS choice(member link)
- read the Insurance and your PSSap super booklet.