Insurance FAQs

Sometimes a question is quickly answered by a little bit of information.

Here are some questions that members regularly ask us, but if you need any clarification or further information, please contact us on 1300 130 780 or email mypartner@lucrf.com.au 

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When does my cover start?

Your default cover starts on the later of:

  • the date you started work with your employer; or
  • the first day of the period for which the first contribution is paid by your employer into your super account.

Voluntary cover starts once we’ve assessed and accepted your application. While we’re assessing your application for voluntary cover, interim accidental cover will apply. This means you may be covered for the amounts applied for, subject to the maximum limit of $2 million, should you suffer an accident.

The following situations are not considered accidents, and any claims arising from them while your application is being assessed won’t be covered:

  • where one or more of the following was a contributing the cause of injury or death:
    • illness
    • disease
    • allergy
    • any gradual onset of a physical or mental infirmity
  • where the injury or death was the result of an intentional act or omission of the insured member
  • where the insured member was injured or died as a result of an activity in respect of which they assumed the risk or courted disaster, irrespective of whether they intended injury or death.

When does my insurance cover stop?

Your insurance cover will stop:

  • if your membership ceases
  • if you write to us to cancel your insurance cover (cover is cancelled from the date your request is received)
  • on the last day of the month if there isn’t enough money in your account to cover the premium payment during that month
  • if you stop working and you don’t make any contributions to your super account for a continuous period of 16 months or more, (as defined under Treasury Laws Amendment (Protecting Your Superannuation Package) Bill 2018)
  • on the day the insurer approves a terminal illness benefit for an amount equal to your Death Only cover
  • when you reach the benefit expiry age (70 years for Death & TPD insurance cover)
  • for TPD cover on the date a TPD benefit is approved
  • for Death, the date of death (please note that if the Death sum insured is greater than the TPD sum insured and a TPD benefit is paid, the difference between the TPD sum insured and the Death sum insured will continue as Death Only cover)
  • if no formal notification is received of ‘employer-approved’ leave (as defined by the insurer) which is longer than 16 months
  • if you’re not an Australian resident:
    • 31 days after your visa expires
    • 90 days after you leave Australia (if you are a permanent resident in Australia), or
    • 31 days after you depart Australia (if you’re not a permanent resident in Australia)
  • if you start active service with the armed forces of any country, or if you’re a member of the Defence Force Reserve, the date you become the subject of a call-out order
  • If your account has a continuous period of 16 months of inactivity (as defined under the Treasury Laws Amendment (Protecting Your Superannuation Package) Bill 2018) and where you haven’t told us you’d like your insurance to continue.

What about pre-existing medical conditions?

If you’ve suffered a previous health condition, an exclusion may be applied to your cover. This means you’ll still be able to get cover, but you won’t be able to claim a future benefit for this condition.

What happens to my insurance cover if I am overseas?

If you’re an Australian resident, you’ll receive world-wide 24hr insurance cover. This cover will continue until it otherwise ceases (see 'when does my cover stop?' above).

If you’re not an Australian resident, but you hold a visa and your permanent place of residence is Australia, your insurance cover will continue for a period of up to three consecutive months from the date you depart Australia, so long as you continue to hold a visa and haven’t permanently left Australia.

Is my insurance cover affected if I’m a New Zealand citizen?

No. For insurance purposes, all New Zealand citizens are recognised as citizens of Australia.

What happens to my insurance cover if I go on unpaid leave?

For parental or other ‘employer-approved’ leave, your cover continues for up to 24 months. Your employer should record the start date of your leave and the date it’s expected to end.

If you take unpaid leave for an extended period and you don’t make any contributions to your super account for a continuous period of 16 months or more, (as defined under Treasury Laws Amendment (Protecting Your Superannuation Package) Bill 2018), your insurance cover will cease.

If your leave is going to extend longer than 24 months, and you want to ensure you’re adequately covered, we recommend that you let us know so we can apply to extend your insurance cover with our insurer before the end of the 24-month period. Call us on 1300 130 780 if you need to extend your leave period.

What happens if I’m a LUCRF Super member and haven’t made an insurance choice?

LUCRF Super will allocate 2 units of Light Blue Fixed Premium Death and TPD as the default cover for any member aged between 14 and 64, and 2 units of Light Blue Fixed Premium Death and Restricted TPD cover for any member aged between 65 and 69 (excluding Personal Plan and LUCRF Pension members), subject to meeting additional eligibility criteria.

This cover will continue until it otherwise ceases (see 'when does my cover stop?' above). The default cover will also be allocated where a member fails to complete a Member Insurance Election Form (and the Fund receives a contribution or membership application with no Insurance Election Form).

You can increase, change or cancel your insurance cover at anytime. See how here.

What happens if I’m a Personal Plan member (who joins LUCRF Super without a contributing employer) and haven’t applied for an insurance choice?

In the event of Death or TPD, only your superannuation account balance will be payable. Personal Plan members may apply for insurance by completing a Personal Plan Member Insurance Election Form and a OnePath Personal Statement and be approved in writing for coverage.

If you don’t make any contributions to your Super account for a continuous period of 16 months or more, (as defined under Treasury Laws Amendment (Protecting Your Superannuation Package) Bill 2018), you will not have access to Death or TPD cover.

Please note: You may be requested to provide further medical evidence or attend a medical examination if required by our group insurer.

What happens to my Death & TPD insurance when I cease work?

If you stop working and you don’t make any contributions to your Super account for a continuous period of 16 months or more, your Death & TPD cover will cease (as defined under Treasury Laws Amendment (Protecting Your Superannuation Package) Bill 2018).

If you plan to be off work for a period longer than 16 months, or have been off work for a number of months and worried about what will happen to your Death & TPD cover, please contact us on 1300 130 780  to find out how you can safeguard your insurance cover.

Situations where you might not be working and contributing to your Super account for 16 months or longer include:

  • you’re on maternity leave and aren’t making contributions
  • you’re on extended travel overseas
  • you’re not working, or
  • you’re contributing to another fund.

What happens to my insurance if I become a pension member?

Your Death Only or Death & TPD insurance carries over to your LUCRF Pension when you close your super account and continues until you turn 70 (restricted TPD cover applies from ages 65-69). By continuing your insurance cover on your LUCRF Super Pension account, you’re choosing to opt-in to keep your insurance in the event that your account becomes inactive. Once you start your LUCRF Pension, you cannot change the amount of cover you have. However, you can choose to cancel the cover at any time. For more details, please read our Insurance Guide or call us on 1300 130 780 .

What happens to my insurance when I close my account?

When you close your account your insurance cover will stop.

You have the option to change your insurance cover to an individual contract with the insurer if you send the insurer a written application, and the first insurance premium is paid within 60 days of closing your account with the Fund.

What happens to my Death & TPD insurance cover if I’m a casual worker?

Your insurance cover continues as long as there are enough funds in the account to cover the relevant premium to be deducted and you are within the age limits and policy conditions.

Do I continue to pay premiums while making a claim?

Your premiums will continue to be deducted from your account until your claim is approved. This will ensure that you remain covered for all other events, even if your claim is denied.

I want to complain further about the handling or outcome of my claim?

If you're not satisfied with our response on the outcome of your claim or how your complaint has been managed (or you do not receive a response from us within 90 days), you may contact:

The Australian Financial Complaints Authority (AFCA) 

The AFCA may be able to help you resolve your complaint, but you must have raised your complaint with us in the first instance before contacting the AFCA. The AFCA will acknowledge your complaint within seven days of receiving it and then send a notice to your fund advising them of the complaint registration. In certain circumstances (for example, with complex cases or those involving mental health issues), individuals may benefit from legal representation.