MySuper cover

If you join Emplus MySuper through your employer’s superannuation fund, you also automatically get a level of death and total and permanent disablement insurance cover, of which you can choose to opt-out. To better explain things, you’ll get an Emplus MySuper Default Table of Cover (see table below) when you join the fund.

If you join Emplus MySuper as a personal member, you’ll receive the Emplus MySuper Default Table of Cover with Limited Default Cover exclusions (excludes pre-existing medical conditions), of which you can choose to opt-out.

Insurance premiums for this cover will be deducted from your account.

The Emplus MySuper Default Table of Cover (death and TPD insurance cover) is set out below:

Age next birthdayUnit death & TPD cover based on $2.05 pmpupw^MySuper default cover–number of unitsMySuper default cover–death & TPD coverMySuper default cover–weekly cost
*Death cover only
^per member, per unit, per week
16–20$50,0002$100,000$4.10
21–25$75,0002$150,000$4.10
26–45$86,0002$172,000$4.10
46$60,0002$120,000$4.10
47$42,0002$84,000$4.10
48$37,0002$74,000$4.10
49$34,0002$68,000$4.10
50$32,0002$64,000$4.10
51$29,0002$58,000$4.10
52$27,0002$54,000$4.10
53$25,0002$50,000$4.10
54$22,0002$44,000$4.10
55$20,0002$40,000$4.10
56$19,0002$38,000$4.10
57$17,0002$34,000$4.10
58$16,0002$32,000$4.10
59$15,0002$30,000$4.10
60$14,0002$28,000$4.10
61$13,0002$26,000$4.10
62$12,0002$24,000$4.10
63$11,0002$22,000$4.10
64$10,0002$20,000$4.10
65$9,0002$18,000$4.10
66 *$6,0002$12,000$2.06
67 *$6,0002$12,000$2.06
68 *$6,0002$12,000$2.06
69 *$6,0002$12,000$2.06
70 *$6,0002$12,000$2.06