Insurance in super can help your employees through tough times.
For business owners, the health and safety of your employees is a top priority. But you can’t always control what happens. If one of your workers is diagnosed with a serious illness, has an accident or dies, it’s reassuring to know they’re covered.
That’s why the insurance your employees have in their super is really important. Your employees can get cover that will protect them when they need it most, without it coming out of their take home pay.
When they join MTAA Super, your employees automatically get default insurance cover* without having to provide any health evidence.
MTAA Super members can also apply for Income Protection, which can provide a replacement income and help pay the bills if they’re unable to work due to serious illness or injury.
How can insurance cover help?
Our insurance provider, MetLife, is dedicated to helping MTAA Super members when life is at its most challenging. As well as paying benefits for eligible claims, MetLife works with MTAA Super members to provide real-life solutions. Depending on the circumstances, this can mean engaging with a member's treating doctors to support recovery, or even liaising with their employer to help arrange a return-to-work plan.
In one case, MetLife stepped in to help Tom, who was a healthy 36-year-old living life to the fullest when he was diagnosed with brain cancer.
Tom soon found himself in hospital with bandages strapped over a large wound on his shaven scalp. Rounds of radiotherapy and chemotherapy were to follow and tasks like reading, which had been simple just a few days before, were now incredibly challenging.
As Tom worked towards recovery, he had to negotiate the side effects of his treatment, including fatigue, brain fog and trouble with his memory.
He became socially isolated, and his confidence, self-esteem and self-identity suffered. Tom’s doctors provided strategies to help him manage the physical side effects of his treatment, such as
seizures and fatigue. Meanwhile, MetLife engaged with Tom’s employer to help secure flexible work arrangements and an incremental increase in work hours until Tom could return to full time