Dangerous Occupation exception

Dangerous occupation exception

Unless a new member is employed in a dangerous occupation or elects to have insurance cover, legislation prevents super funds from providing insurance to members who are under 25 and/or whose account balance is less than $6,000.

The dangerous occupation exception allows super funds to elect that members employed in certain high risk occupations will be provided with insurance cover even if they are under 25 and/or have an account balance that is less than $6,000.

BUSSQ has applied the dangerous occupation exception, which allows us to provide Default insurance cover to eligible members employed in the below occupations when they first join BUSSQ.

• Automotive and Engineering Trade Workers
• Construction Trades Workers
• Machinery and Stationary Plant Operators
• Mobile Plant Operators
• Road and Rail Drivers
• Store persons
• Construction and Mining Labourers
• Factory Process Workers
• Farm, Forestry and Garden Workers
• Protective Service Workers
• Skilled Animal and Horticultural Workers
• Electrotechnology and Telecommunications Trades Workers
• Health and Welfare Support Workers
• Other Labourers

Unless a member advises us they are not employed in a dangerous occupation, we will apply the dangerous occupation exception and provide the member with Default insurance cover and confirm this in writing within 28 days. Members will have the option to continue to have Default cover, change their cover or cancel the cover.

Members who are aged under 25 and/or have an account balance under $6,000 who are not employed in a dangerous occupation are not eligible for Default cover. These members can opt in to Default cover as a non-manual worker if they wish.

You need to tell us if you're not a manual worker. If you don't, you may not be eligible for the Default cover we give you and any claim you make could be declined by our insurer. You may also be paying too much. If you're not sure what type of worker you are or if you've told us, call us on 1800 692 877.

Insurance cover is subject to eligibility. See our Insurance Handbook for more information.