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Disability or death

For employee members, if you become permanently disabled or die whilst employed by Australia Post or an Associated Employer, an additional benefit may be payable depending on the type of membership you have.

Total and Permanent Disablement (TPD) benefits

14.3% Defined Benefits

In addition to your accrued Defined Benefits in the APSS, you may be eligible to claim an additional TPD benefit payment. TPD is not the same as permanent incapacity defined under superannuation law, but is as defined under the APSS Trust Deed. To read the full definition of TPD, see total and permanent disablement.

To be eligible for a TPD benefit payment, you must generally meet two conditions:

  • You must have ceased employment with Australia Post or your Associated Employer because of the injury or illness for which you are making the TPD claim. For instance, you may not be eligible to apply for a TPD benefit if you ceased employment because of a redundancy or termination.

and

  • You must have served a waiting period of six months BEFORE making a claim. Certain exceptions may be granted to reduce this waiting period, such as if you are terminally ill.

Tax will generally be payable on any benefits that are paid to you in cash if you’re under age 60. If your super is paid to you because you have a terminal medical condition, the lump sum benefit may be tax-free if paid to you in cash.

For more detailed information on TPD benefits and how they are calculated refer to the relevant section of: Your 14.3% Defined Benefit PDS or the fact sheet Making a TPD claim.

SG Defined Benefits

Your accrued Defined Benefit in the APSS, including any preserved component of your super may become payable if you meet the definition of permanent incapacity or terminal medical condition under superannuation law. No additional TPD benefit is provided for SG Defined Benefit members.

Tax will generally be payable on any benefits that are paid to you in cash if you’re under age 60. If your super is paid to you because you have a terminal medical condition, the lump sum benefit may be tax-free if paid to you in cash.

CSS members

Your accrued Defined Benefit in the APSS, including any preserved component of your super may become payable if you meet the definition of permanent incapacity or terminal medical condition under superannuation law. No additional TPD benefit is provided for CSS members in the APSS. Please refer to the CSS website for details about your disablement benefits in that scheme.

Tax will generally be payable on any benefits that are paid to you in cash if you’re under age 60. If your super is paid to you because you have a terminal medical condition, the lump sum benefit may be tax-free if paid to you in cash.

Pension, Spouse and Rollover Account
The balance of your Pension, Spouse or Rollover Account, including any preserved component of your super may become payable if you meet the definition of permanent incapacity or terminal medical condition under superannuation law. Tax will generally be payable on any benefits that are paid to you in cash if you're under age 60. If your super is paid to you because you have a terminal medical condition, the lump sum benefit may be tax-free if paid to you in cash.

Death benefits

In the unfortunate event of your death, your beneficiaries may be able to claim a death benefit from your super. The amount of your death benefit from the APSS depends on the type of membership you have.

Defined Benefits

For 14.3% and SG Defined Benefit members, your death benefit is generally equal to your accrued Defined Benefit in the APSS plus an additional death benefit component. The amount of your additional death benefit component and how it’s calculated depends on your membership category.

Please refer to the relevant Product Disclosure Statement for more details.

For CSS members, no additional death benefit is provided in the APSS. Refer to the CSS website for details about your death benefits in that scheme.

Pension, Spouse and Rollover Accounts

The death benefit is equal to the balance of your Pension, Spouse or Rollover Account (less any tax that may apply). Additional insured death benefits are not available for these accounts.

 

 

Making a claim

If you are a current member and wish to make a TPD claim, or if you are a dependant or legal personal representative of an APSS member who has passed away, please call SuperPhone on 1300 360 373 to find out about the next steps.