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You can check your insurance details or apply to change your existing cover using Insurance Online.
Take me to my accountDeath cover provides a benefit payment, on top of your super balance, if you die, or are diagnosed with a terminal illness.
Total and Permanent Disablement (TPD) cover can give you a lump-sum benefit if you're unlikely to ever work again due to illness or injury.
Income Protection cover provides a monthly income if you can’t work because of an accident or illness.
Setting up your insurance is straightforward - for eligible members it can even be done when you first sign up.
Cbus’ insurance is designed for the industry you work in, with options suited to the type of work you do.
Your super balance (provided you have enough), will cover the cost of your insurance premiums. This means the costs to maintain your cover won't affect your day to day budget, as they’re deducted directly from your super account.
We buy our insurance as a group, so costs are generally lower than insurance you buy as an individual.
Find your occupation category below to see how the changes will benefit existing members, or how our insurance could work for you.
Manual
You perform manual or physical work, and spend more than 20% of your working time outside an office environment. You might be a carpenter, plasterer, bricklayer, plumber, or similar.
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Non-Manual
You perform work of a clerical administrative, managerial or professional nature, and don’t perform any manual (physical) work and you spend a minimum of 80% of your time in an office environment. You might be a bookkeeper, surveyor, payroll administrator, etc.
TPD premium rates will be reduced by 44%. The combined death and TPD cost will decrease from $3.58 to $2.68 per unit, per week.
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Electech
You are employed in the electrical, electronic and communications industries. You may be an electrician, electrical tradesperson, or linesperson.
The electech occupation category has maintained its price point with no increases for members.
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Professional
You perform work of a sedentary, professional nature, have an annual taxable income of more than $100,000 and a university qualification, or you’re a Senior or Executive Manager. You might be an Accountant, Architect, HR Manager, or Marketing Manager.
TPD premium rates will be reduced by 44%. The combined death and TPD cost will decrease from $3.58 to $2.68 per unit, per week.
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For those who are self-employed, and operating as a sole trader or in an unincorporated partnership, you'll be eligible for default Death and TPD cover and accident only Income Protection cover when you join Cbus.
For our Sole Trader members, the cost for Income Protection Accident only cover will reduce by 44%.
Learn more about the Sole Trader insurance (PDF) offering.
If you're not receiving employer contributions, you can apply to become a Cbus Personal Super member.
After you join you can apply for the insurance cover that gives you the level of financial protection you need.
Learn more about the Personal Super insurance (PDF) offering.
If you require further information on any of our insurance options please visit our dedicated insurance page.
You can check your insurance details or apply to change your existing cover using Insurance Online.
Take me to my account
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8am to 8pm Monday to Friday (AEDT/AEST)
Email: advice@cbussuper.com.au
Or use our online form to request a call from Advice Services.
Read our Financial Services Guide (PDF)