Phone 1800 444 396
Web brightersuper.com.au
Email info@brightersuper.com.au
Post GPO Box 264, Brisbane QLD 4001

Insurance cover available to you

Most Brighter Super members will automatically receive default insurance cover as part of their membership, subject to eligibility. Alternatively, members can apply for insurance cover at any time by completing the relevant Insurance Application Form.

This cover could help you meet your financial obligations if you become unable to work due to sickness or injury.

Our insurance benefits can protect you, your family and your lifestyle against the unexpected, 24 hours a day, 7 days a week. We offer flexible insurance for a wide range of financial and lifestyle needs. 

Having insurance through Brighter Super means:

  • You could automatically receive default insurance without needing to apply or provide medical evidence to prove you are in good health.
  • Insurance premiums are automatically deducted from your super account, so you won’t have to use your take-home pay for these fees.



What we offer

There are a number of different types of insurance cover available to Brighter Super members. To understand what is offered under your membership, including eligibility and terms and conditions, please refer to the relevant Insurance Guide for your account.

Type of cover Details
Death and Total and Permanent Disablement (TPD) cover*

A one-off, lump sum payment paid to your Brighter Super account upon your Death, diagnosis of a Terminal Illness or if you are Totally and Permanently Disabled due to sickness or injury.
Death cover*

A one-off, lump sum payment paid to your Brighter Super account upon your Death or when you are diagnosed with a Terminal Illness.
Standard Income Protection - Local Government & Associated Industries

A benefit of up to 75% of your pre-disability salary paid to you for up to 2 years to replace part of your income if you become Totally or Partially Disabled due to sickness or injury. Benefits are payable monthly in arrears after a waiting period.
Standard Income Protection - Energy Industry

This cover pays the lesser of 80% of your income or the level of cover you received automatically or applied for, if you become totally or partially disabled due to sickness or injury, for a period of up to 2 years. A superannuation benefit is also payable into your account equal to the lesser of 10% of income or 10% of the benefit level for which you are insured. Benefits are payable fortnightly in arrears after a waiting period.
Extended Income Protection - Energy Industry

This cover extends from Standard Income Protection with benefit payable up to age 65.
Income Protection - Corporate Offer

A benefit of up to 75% of your salary paid to you for up to 2 years to replace part of your income if you become totally or partially disabled due to sickness or injury. Benefits are payable monthly in arrears after a waiting period. You may apply for an additional optional superannuation contribution component of 10% of your salary. *A Terminal Illness benefit is included as part of your Death cover

Please note: for Death, Terminal Illness, or TPD cover, any insurance proceeds received are paid into your account and invested in the Cash investment option.

Download the relevant Insurance guide for more information about insurance cover, including exclusions, increasing or decreasing your cover, and making a claim.

You can also use our insurance calculators to find out what level of cover might be best for you, and how much this will cost.

Find your level of cover with our insurance calculators

Let's Learn

Having insurance through superannuation can help protect you and your family against the unexpected. It’s important to understand how much insurance cover you have, and whether it is right amount for your personal circumstances.

Start learning

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Information on this page is focused on Accumulation accounts. 

If you have a Defined Benefit account your insurance cover is different – guides related to your fund are available on our Defined benefits page.

Join Brighter Super today

We’re here to make things easy and help you get the most from your super so you can enjoy a better lifestyle in the years ahead.

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