Insurance offer for new members

If you’re eligible for automatic default cover or have elected to receive default cover, you can increase your default cover (automatic or elected) up to our automatic acceptance levels. This means you may be able to get more cover without having to provide any medical evidence.

If you’re not eligible for automatic default cover when joining us, you can elect to have default cover (subject to eligibility) and apply to increase your cover above the default cover level at the same time.

You must act on this offer within 90 days of the date of your ‘Welcome letter’ by completing an Insurance Election Form. In both cases below, you’ll need to answer some screening questions in your application, and, if our insurer is satisfied, you can increase your cover.

What is the offer for Death & TPD insurance?

You can increase your default insurance (automatic or elected) of 2 units of Death & TPD up to our automatic acceptance levels of either:

  • a maximum of 8 units of Death & TPD cover

OR

  • a maximum of 8 units of Death Only cover.

Note: If you choose to change to Death Only cover, your TPD insurance will stop from the date your application is accepted.

What is the offer for Income Protection?

If you have an employer who pays into your super account, you may obtain up to $700 per week of Income Protection cover with a two-year benefit period, and a 30-day waiting period.

If you want to increase your cover to more than $700 per week (or up to $700 per week and the 90-day period has ended), you’ll need to complete a Member Income Protection Form. If you’d like to apply for a five-year benefit period, you’ll need to complete a Member Income Protection Form and a OnePath Personal Statement and return them to us.

Default Income Protection insurance is available to eligible permanent employees of Woolworths NSW.

For further information on Income Protection, head to our Insurance Guide, call us on 1300 130 780 or email us at mypartner@lucrf.com.au.