Work Rating Tool

This tool helps you work out if you could pay less for your insurance cover.

We offer three types of work ratings*: Standard, Low Risk and Professional. A Standard work rating means your cover is the most expensive.

But if you spend at least 80% of your time in an office environment and don’t do any manual work, you may be eligible for a Low Risk or Professional rating – which would mean your cover would cost less.

Answer these questions then click Calculate work rating to see if you’re eligible.

* If you’re a Public Sector Division member, your work rating only applies to your Income Protection cover.

Are the usual activities of your job white collar?
Are you earning $100,000 or more a year from your job?
Do you have a university qualification?
Do you have a management role in your company?
 
Work Rating: Low Risk

It looks like you might be eligible for a Low Risk work rating.

What’s next
  • To apply, log into your online account
  • Go to My insurance > Change my insurance
  • Alternatively, download and complete the Change your work rating form.

Our insurer will consider your application and if it’s accepted, we’ll confirm your new work rating in writing.

 
Work Rating: Professional

It looks like you might be eligible for a Professional work rating.

What’s next
  • To apply, log into your online account
  • Go to My insurance > Change my insurance
  • Alternatively, download and complete the Change your work rating form.

Our insurer will consider your application and if it’s accepted, we’ll confirm your new work rating in writing.

 
Work Rating: Standard

Based on your response to the questions, you have a Standard work rating. This means you’re not eligible for Low Risk or Professional work rating.

What’s next
The outcome produced from the work rating tool is illustrative only, so should not be relied upon as a guarantee. TAL is the insurer underwriter for all insurance cover provided through AustralianSuper to its members.
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