What is a work rating?
A work rating classifies the usual activities of your job into one of three ratings:
- Blue Collar
- White Collar, or
- Professional.
When you join AustralianSuper and have insurance cover, you pay what it costs to provide you with cover based on our default work rating, Blue Collar2.
Our default work rating is Blue Collar because all Australians are welcome to join AustralianSuper and our membership demographic is wide.
Insurance cover with a Blue Collar work rating is the most expensive.
Check your work rating
Check your insurance cover and work rating by using the AustralianSuper app, or logging into your account and going to Insurance, then Manage insurance.
You can also call us on 1300 667 387.
Could you pay less for your cover?
You could pay less for your insurance cover if you’re eligible for a White Collar or Professional work rating and your application to change your individual work rating is accepted.
Use our Work Rating Tool to check if you could pay less for your insurance cover.
1 AustralianSuper insurance is provided by TAL Life Limited (the Insurer), ABN 70 050 109 450, AFSL 237848.2 Due to past employer arrangements, some members may have a work rating of White Collar or Professional.
Work rating descriptions
Read the description for each work rating, so you can work out which one is right for you.
-
Blue Collar
(most expensive)
This work rating will automatically be applied to your insurance cover.
It will remain your work rating unless you apply for a White Collar or Professional work rating and your application to change your individual work rating is accepted.
A Blue Collar work rating is suitable if:
- you spend less than 80% of your main job doing clerical or administrative activities in an office-based environment and/or
- you’re exposed to unusual workplace hazards (some examples of unusual work hazards include working underground, working underwater, working at heights or working in the air).
-
White Collar
(less expensive)
You can apply for a White Collar work rating if:
- you spend more than 80% of your main job doing clerical or administrative activities in an office-based environment, or
- you’re a professional using your university qualification in a job that has no unusual work hazards (some examples of unusual work hazards include working underground, working underwater, working at heights or working in the air).
-
Professional
(least expensive)
You can apply for a Professional work rating if:
- you spend more than 80% of your main job doing clerical or administrative activities in an office-based environment, or
- you’re a professional using your university qualification in a job that has no unusual work hazards (some examples of unusual work hazards include working underground, working underwater, working at heights or working in the air).
AND
You’re earning $100,000 or more a year (pro rata for part time)3
AND
you have a university qualification, or you have a management role in your company.
Changing your work rating
If you’re eligible to change your work rating, there are two ways to apply:
- log into your account and go to Insurance, then Manage insurance, or
- complete this Change your individual work rating form.
If your application for a White Collar or Professional work rating is accepted by the Insurer, we’ll confirm your new individual work rating and the new cost of your cover in writing.
Your work rating will be checked by the Insurer if you make a claim. If they decide you weren’t eligible for the work rating you applied for (based on your circumstances at the time you applied to change your work rating), you may have to pay the difference in insurance costs and your work rating may change.