Income Protection
Income Protection Insurance (Triple S)
Income Protection Insurance (Triple S)
At Super SA, Triple S Income Protection Insurance supports you if you're unable to work due to injury or illness. Eligible members under 65, including casual employees who apply for coverage (conditions apply), may receive a fortnightly income of:
-
Up to 75% of your notional salary for up to 24 months,
-
Up to 12 months for casual employees with IP cover, or
-
Until employment with the SA state government ends for any reason, whichever comes first.
While receiving an Income Protection benefit, you'll also receive a 9.5% Contribution Replacement Benefit (CRB) paid into your Triple S account.
How Does Income Protection Insurance Work?
As a Triple S member, you generally receive Income Protection cover if you are:
-
An active Triple S member working full-time or part-time, and
-
Aged under 65. Casual employees are not automatically covered but can apply.
Actions You Can Take:
Who Isn't Eligible for Income Protection Insurance?
Not all members are eligible, including:
-
Employees remunerated by a fee, allowance, or commission (e.g., board and committee members)
-
Members aged 65 or older
-
Triple S members whose employment with the SA state government has ended
-
Members who have selected another super fund (other than Super SA Select)
-
Contributory members of the Lump Sum Scheme, Pension Scheme, South Australian Ambulance Superannuation Scheme, and Police Pension Scheme who salary sacrifice or have their Government co-contributions paid into Triple S (Refer to your scheme's specific benefits)
-
Spouse members
-
Members who have received an insurance benefit due to invalidity or terminal illness under any state government super scheme
Income Protection Insurance for Casual Employees
Casual employees are not automatically covered but can apply. You'll need to provide health and medical information at the time of application (limitations may apply). Note: Casual employees working less than nine hours per week are not eligible. The maximum benefit period for casual employees is 12 months. Refer to the of the Income Protection insurance fact sheet for further details.
Salary Limits for Income Protection Benefits
If you joined Triple S on or after 3 September 2018, you're automatically provided with cover based on your notional salary, capped at the Automatic Acceptance Limit (AAL) of $122,000. If you earn more, you can apply to increase your cover above the AAL (limitations may apply). The maximum notional salary cap is $584,000.
Cost of Income Protection Insurance
The cost of IP premiums depends on your salary, age, and waiting period length. This amount is automatically deducted when employer contributions are paid to your Triple S account, without affecting your take-home pay. Refer to the for premium charges based on your age and waiting period length.
Waiting Period for Income Protection Insurance
The default waiting period is 30 calendar days, beginning when you cease work due to incapacity. You can change the waiting period to 90 days to lower your premiums.
Changing the Waiting Period