Declaration and acknowledgement

I declare that:

I acknowledge that:

  • I’m choosing to keep my basic age-based Income Protection.
  • The cost of my cover will continue to be deducted monthly from my super account.
  • Any conditions that applied to my Income Protection previously will continue to apply to my Income Protection.
  • If I keep my basic age-based Income Protection, my cover may stop in the future if my super account becomes inactive (because I haven’t received any contributions or rollovers into my super account for a continuous period of 16 months). My cover can also stop for several other reasons, as detailed in the When cover stops and how you can get cover again section of the Insurance in your super guide.
  • My eligibility to claim for Income Protection benefit payments will be determined by the Insurer in line with AustralianSuper’s insurance policy terms and conditions.
  • Basic age-based Income Protection may be unsuitable if the cover amount for my age is more than 85% of my salary. If I’m eligible to make a claim, I may not receive the total amount of cover I’m insured for.
  • If eligible, Income Protection benefit payments are based on my pre-disability income and other factors. It may be reduced by income I receive from other sources. Up to 75% is paid to me and up to 10% to my AustralianSuper account. My pre-disability income is the before-tax salary I earned from my regular job(s) immediately before I was ill or injured, excluding Superannuation Guarantee contributions. Salary may be different if I own a business or I’m not an employee.
  • My Income Protection will be reduced to $1,000 a month of fixed cover if I don't fully and correctly complete and submit this form by 20 February 2026.
Back to top