Making sure you’re protected – having the right level of cover 

We value your Brighter Super membership and are committed to providing products and services that are relevant and valuable to you.

Brighter Super’s insurance benefits can help protect you and your family against the unexpected. Your insurance cover could help you meet the cost of living if you are temporarily unable to work due to injury or illness.

Making it easier to adjust your Brighter Super Income Protection insurance  

Brighter Super has arranged with our Insurer, Zurich Australia Limited, to offer eligible members a one-off offer to reduce your 395 day waiting period to a 90 day waiting period without needing to provide medical evidence to prove you are in good health. Eligible members have 30 days from receiving the communication to opt in to the offer.

How to reduce your waiting-period

If you are an eligible member and would like to reduce your waiting period to 90 days, please complete the Change waiting period form – Local Government & Associated Industries available below and send it back to us within 30 days of the date on letter or the date the email was received.

Change waiting period form – Local Government & Associated Industries  

Please send your completed form to us using one of the following methods:

Preferred Method
Secure file upload on our website
brightersuper.com.au/contact-us

Alternative Options
Email (scanned copy)
insurance@brightersuper.com.au

Post
Brighter Super
GPO Box 264
Brisbane Qld 4001

Frequently asked questions

Do I need to provide any further information

No – if you opt in to the offer, you are only required to provide details to identify your account, including full name, member number and account number. To take up the offer, you need to complete the ‘At Work’ declaration.

Will reducing my waiting period increase my premiums?

Yes – if you opt in to the offer you will pay the premium rates for a 90 day waiting period. The communication you received included the estimated monthly premium amount, calculated as your monthly insured benefit divided by 100, multiplied by the premium rate (based on age, gender and occupation).

For the premium rates refer to Table F in the Insurance Guide – Local Government & Associated Industries at brightersuper.com.au/pds-and-guides.  

When does my waiting period commence?

Your benefit will start from the latter of the cessation of your receipt of sick leave from your employer. Benefit payments are not paid for the waiting period.

We’re right by your side

Brighter Super offers a range of tools, education and financial advice services to help you make the most of your super. This includes Super Health Checks, Retirement Health Checks, and super and retirement advice to help you reach your retirement goals. 

You can find out more by visiting brightersuper.com.au/advice.

We’re here to help

Whatever you need, we're here to help. Get in touch today. Our friendly and helpful team is available over the phone, email and in person.

Call us on 1800 444 396 or email our team at info@brightersuper.com.au