27 May 2024

Dangerous Occupation Exemption

The majority of NESS Super’s members are employed in a dangerous occupation such as Electrotechnology and Telecommunications Trades Workers, Automotive and Engineering Trades Workers, Construction and Mining Labourers, and Protective Service Workers.

The Trustee has made a dangerous occupation exception election under Section 68AAF of the SIS Act.

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 have an account balance that is less than $6,000.

This means that from 1 June 2024, new members joining NESS Super will have their default cover commence automatically once their employer makes the first contribution, even if the member is aged less than 25 and new member’s account balance is less than $6,000.  Members can opt out of default cover at any time.

We’ve made it easier to apply for extra insurance cover or to lodge a claim

NESS Super has partnered with Zurich to provide portals for electronic claims and applications for additional cover.

These portals are aimed at streamlining the claim and underwriting processes as well as reducing paperwork.

Insurance Needs Calculator is now available

Not sure if you have enough insurance cover?  You can now use our insurance needs calculator powered by Zurich Australia at

Commencement of Default Cover

Employer Sponsored Member

From 1 June 2024, if an Eligible Person obtains Default Cover more than 180 days of joining the Fund, all Insured Cover is provided on a Limited Cover basis for 24 months from the date it commences. After the end of this 24-month period, once the Insured Person has been At Work for 30 consecutive days, Insured Cover will no longer be limited to a Limited Cover basis. In addition, we will not pay a benefit if Death, Terminal Illness or Total and Permanent Disablement was the result of suicide or a self-inflicted injury that occurred within the first 13 months from the date that Default Cover commenced.

If a member wished to increase the Default Cover unit, the request must be received by NESS Super within 180 days of the Insured Person’s Default Cover commencing.

Prior to 1 June 2024, Default Cover was not available after 180 days of joining NESS Super.

Personal / Self-Employed Member

There has been no change to commencement of Default Cover for a Personal or Self-Employed Member.

TPD Cover levels

From 1 June 2024, your TPD cover amount can be more than your life cover amounts.

Prior to 1 June 2024, your TPD cover amount could not exceed your life cover amounts.

Event Date Definition change

From 1 June 2024, Event Date means where the Insured Person claims a TPD Benefit under:

  • Part 1 of the TPD Definition – the first day of the three consecutive months period during which the Insured Person, solely because of injury or illness, has not worked;
  • Part 2 of the TPD Definition – the date Insured Person suffers the total, permanent and irrevocable loss of the use two limbs or the sight of both eyes, or the use of one limb and the sight in one eye;
  • Part 3 of the TPD Definition – the first day of the three consecutive months during which, solely because of Injury or Illness, the Insured Person has been unable to perform Everyday Work Activities or engage in any Gainful Employment, or
  • Part 4 of the TPD Definition – the first day of the three consecutive months during which, solely because of Injury or Illness, the Insured Person has been unable to perform Home Duties on a full time basis or engage in any Gainful Employment.

We‘re here to help

You can also contact our Member Services Team, Monday to Friday between 8.30am and 6.00pm (AEST/AEDT) on 1800 022 067 or email

Yours sincerely

Simon Horrod
Member Services Manager


Things you should know

This article has been issued by NESS Super Pty Ltd ABN 28 003 156 812 AFSL 238945 (the Trustee), as trustee of NESS Super ABN 72 229 227 691 (The Fund).

The information contained in this communication is current at the time of its publication. However, some information may change over time. The content is for general information only and does not constitute personal advice. We recommend that you consult with a suitably qualified person before making any financial decisions. Before deciding whether to acquire or hold a product, consider if it is appropriate for you.

For more information on the Fund visit our website to view our Financial Services Guide (FSG), the relevant Product Disclosure Statement (PDS) and the Target Market Determination (TMD).

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