Death and Invalidity Benefits

These are the benefits and cover available to you:

• Death and Invalidity benefits—you receive these benefits automatically at no cost to you.
• Income Protection, and Death and TPD insurance—if you become a PSSap Ancillary member, you can apply for Income Protection and Death and TPD insurance through lifePLUS choice.

You should consider the PSSap PDS and Target Market Determination before making a decision about becoming a PSSap Ancillary member.

Death and Invalidity—an extra super benefit to you

If you’re a contributing CSS customer, you receive Partial Invalidity, Invalidity retirement and Death benefits at no cost to you. These are super benefits, so you’re automatically covered when you become a CSS customer.

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 cover are on top of amounts you’d receive through a CSS Death and Invalidity claim.

Who can apply and how?

You’ll need to be:

• a PSSap Ancillary member to apply for lifePLUS choice; and
• under 67 to apply for Income Protection cover and under 70 to apply for Death and TPD cover.

To become an Ancillary member, you must have been employed by an eligible employer for at least 12 continuous months and be a:

• current contributing or preserved CSS customer; or
• former CSS member who was contributing at any time on or after 7 March 2021.

When you join as an Ancillary member, you’ll get another account, which works alongside your CSS account and allows you to apply for lifePLUS choice. For more information:

• visit Ancillary members
• head to lifePLUS choice
• read the Insurance and your PSSap super booklet.