Insurance for your staff
WA Local Super provides excellent insurance options at competitive rates.
If your staff join WA Local Super, they may be eligible for Automatic Acceptance. Automatic Acceptance means they’re automatically covered for a certain level of insurance without having to provide medical evidence. Here’s how it works.
If they’re a permanent full time, part time or contractual employee they’ll automatically be covered for insurance provided they meet all the following conditions:
- they are “At Work” on either of the following dates:
For Public Offer members (members whose employer has not nominated WA Local Super as their default super fund), the date they joined the Fund;
or
For employees of a participating employer, the date they commence employment with that participating employer as a permanent full time, part time or contractual employee as notified to us.
- they’re under age 65 for Death and under age 60 for TPD;
- their employer does not have Automatic Acceptance for them for the same or for a similar benefit type under any other superannuation insurance policy (ie another superannuation fund’s insurance policy); and
- their employer is paying superannuation guarantee contributions on their behalf into the Fund;
- they are not a former police officer;
- they are not a casual or temporary employee or self employed.
For more information please read the Product Disclosure Statement.
Occupation Risk Ratings
The insurer has classified the occupations of members into three levels, L1, L2, or L3 depending on the risk of death or disablement associated with each occupation. Only the employer can classify a member’s risk rating. We must receive an occupational risk rating from you for each employee. This has an impact on the value of the insurance premiums paid by the member and as a consequence it is extremely important that it is accurate. Details on the types of jobs that fit into each level is available for download in an Excel spreadsheet.
Occupation Risk Ratings