There are two types of insurance cover for Contributory Scheme members:
- limited benefits cover; and
- full benefits cover.
The calculation of Death, Terminal Illness and Permanent Incapacity benefit varies for members with full benefits cover or limited benefits cover.
This can result in a significant difference in the value of your super benefit.
Contributory Scheme members should apply for full benefits cover as soon as possible.
Please contact the RBF Enquiry Line on 1800 622 631 to find out if you are a full benefits or limited benefits member.
What am I covered for?
While you are an employee of the Tasmanian public sector and a contributor to the Contributory Scheme, you are automatically covered for the following:
- Death and Permanent Incapacity benefits up until age 60; and
- Interim Invalidity benefits up until age 70.
For further information on the options available and the applicable terms and conditions, please read the Contributory Scheme - Death and Incapacity brochure or contact the RBF Enquiry Line on 1800 622 631.
What Death benefit am I entitled to?
If you die whilst you are a contributor to the Contributory Scheme, a Death benefit is payable.
The amount payable will normally depend on:
- how long you have been a member of the Contributory Scheme;
- the amount of time between your date of death and your 60th birthday (to a maximum of 25 years);
- your average salary for the three years prior to death;
- whether you are a contributor for full or limited benefits; and
- your rate of contribution.
If you are a Contributory Scheme member and die before retirement, your Death benefit will be paid to your surviving spouse or to your registered carer, unless you have registered a valid election with RBF to have all or part of your benefit paid to your estate.
To make an election to have all or part of your Death benefit paid directly to your estate, please complete the Making a Death benefit election form.
For more information on Death benefits please refer to the following documents:
Contributory Scheme - Death and Incapacity brochure
Who will receive my RBF Death benefit brochure
Making a Death benefit election form
Alternatively, you may also contact the RBF Enquiry Line on 1800 622 631 and speak to one of our friendly staff.
Making a claim
An illness or injury does not have to be work-related for a member to make a claim.
Members who are considering making a claim are encouraged to contact RBF to discuss their possible entitlements. RBF staff can explain the options available to you and ensure you understand the application process.
Application forms are available from RBF, please contact the RBF Enquiry Line on 1800 622 631.
If you are considering making a claim, it is important that you do not resign or retire from your employment within the Tasmanian public sector and you remain a member of the Contributory Scheme until the claim assessment process has been completed.
Your cover will cease if you resign or retire before a determination has been made in relation to your claim and your claim will be disallowed.