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:
- Interim Invalidity (income protection cover);
- Total and Permanent Incapacity;
- Terminal Illness; and
If you hold a CPA you have Death cover only. You do not have the other types of cover listed above.
When does my cover end?
Your Contributory Scheme Death and Incapacity cover ceases on the earliest of the following dates:
- in the case of Death, Terminal Illness and Total and Permanent Incapacity cover
- the day you attain age 65 for anyone contributing prior to 1 April 1987; or
- if you are a police officer and were contributing prior to 1 April 1987 the day you reach age 60; or
- If you are female and were contributing as at 1 July 1982 the day you reach age 60; or
- any contributors who commenced contributing on or after 1 April 1987, the day you reach 55.
- Your Death and Incapacity cover will also cease on the earliest of the following dates:
- the date you cease to be a contributor to the Contributory Scheme; or
- the date you reach your 70th birthday in the case of Interim Invalidity; or
- the date you die.
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 partner 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.