Reading time: Many details affecting your insurance cover with the Fund – such as when cover automatically starts, your level of cover and the fees you pay – depend on your age and occupation.
Which insurance group do you fall into?
Whether basic cover automatically starts for you depends on which insurance group you fall into:
| Insurance group | You will be placed into this Group if... | When basic cover starts automatically |
| Group 1 Default | We do not know your occupation OR Your occupation is considered dangerous and you do not meet the definition of Group 2 (Non-manual) or Group 3 (Professional) |
The later of: - you are aged 18, and - your account receives a mandatory employer contribution, and - your account balance is at least $500. |
| Group 1 Manual | Your occupation is not considered dangerous AND You do not meet the definition of Group 2 (Non-manual) or Group 3 (Professional) |
The later of: - you are aged at least 25, and - your account receives a mandatory employer contribution, and - your account balance is at least $6,000. |
| Group 2 Non-manual | Your occupation is not considered dangerous AND You work at least 75% of your time in an office environment and perform only non-manual duties |
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| Group 3 Professional | Your occupation is not considered dangerous AND You tell us you work 100% of the time in an office in a sedentary capacity, earn more than $100,000 a year (or pro-rata if not working full time) and have an accredited higher education qualification or are eligible to belong to a recognised professional body |
About dangerous occupations
Government rules generally mean cover can’t be automatically switched on unless you are aged at least 25 and have an account balance of at least $6,000.
At TWUSUPER, we understand that some jobs within the transport and logistics industry can be dangerous. For that reason, the Government allows us to treat members who work in a ‘dangerous occupation’ differently.
Dangerous occupations include:
- road driver (e.g. truck, bus and courier)
- rail driver (e.g. train)
- machinery and stationary plant operator (e.g. crane operator)
- mobile plant operator (e.g. forklift driver, tractor operator, ramp agent)
- storeperson (e.g. warehouse worker)
- factory process worker (e.g. product assembler)
- other labours (e.g. freight handler, stevedore, handyperson)
- construction and mining labourer (e.g. building and plumbing)
- automotive and engineering trade worker (e.g. diesel mechanic, aircraft maintenance engineer)
- sports and personal service worker (e.g. cabin crew, driving instructor, heavy machinery driver trainer)
- design, engineering, science and transport professional (e.g. charter flight pilot, mining engineer, mechanical engineer)
- protective services worker (e.g. cash transit, security).
If we don’t know what your occupation is you will automatically become a Group 1 – Default member, because we know most of our members work in a dangerous occupation.