Life Protection (Life)

What is it?
If you die it pays a lump sum into your super.

Who may need it?
People with any debts, (for example mortgages and loans) and financial dependants.

Total & Permanent Disablement (TPD)

What is it?
If you're unable to work due to a permanent injury or illness it pays a lump sum into your super account.

Who may need it?
People with ongoing medical expenses and other financial commitments.

Salary Continuance Insurance (SCI)

What is it?
If you're temporarily unable to work due to an injury or illness, it usually pays a percentage of your Income.

Who may need it?
People with ongoing expenses like mortgages, personal loans and financial commitments.

What is your default cover?

As an Australian Pacific Touring Pty Ltd employee and member of BT Super you have been provided with a default level of Death and Total & Permanent Disablement (TPD) cover and Salary Continuance Insurance (SCI).

The default level of cover that you have been provided will depend upon your employment category. The categories are outlined in the table below.

Employee Category
Office Staff & Part time (Greater than 15hrs per week)

Insurance cover
4 x Salary

Employee Category
Other Staff

Insurance cover
20% x salary x your years of future service

Employee Category
Casual & Other Part time/Camp Staff

Insurance cover
Standard cover

Death and Total Permanent Disablement (TPD) & Salary Continuance Insurance (SCI)

Standard cover is the default age based scale of Death and Total & Permanent Disablement (TPD) cover that will apply to eligible members. It is designed to provide a simple, low cost, basic level of cover that increases or decreases depending upon a member's age. It provides up to $300,000 of cover automatically, without the need for medical checks (please refer to the PDS for more information). You may also apply for cover above this limit.

If you have more questions or just need a guiding hand, please contact our Customer Relations team on 132 135 (open Monday to Friday, 8am to 6:30pm AEST).

Salary Continuance Insurance (SCI)

Employee Category
Full time & Part time (Greater than 15hrs per week)

Insurance cover
75% x salary paid up to age 65 with a 60 day waiting period

Automatic Acceptance Levels (AAL)

Automatic Acceptance provides you with cover up to certain levels (see below) without the need for you to provide a personal statement or any underwriting evidence. Such evidence is normally required by insurers to assess the risk of providing cover.

  • The Automatic Acceptance Level* for the Australian Pacific Touring Staff Super Fund is up to $1,200,000 for Death and TPD, and up to $12,000 per month for SCI.
  • Where you are eligible for automatic acceptance, your cover will commence from when you join Australian Pacific Touring, providing  Australian Pacific Touring advises BT of your full details within 120 days of you first becoming employed by Australian Pacific Touring **

* AAL based on at least 100 eligible members joining the Australian Pacific Touring Staff Super Fund
** Employee members joining 'BT Lifetime Super - Employer Plan' - more than 120 days from joining their Participating Employer or after the establishment of their employer plan will receive New Events cover for 12 months. At the end of the 12 month period, full cover is provided subject to the Member being at work for 30 consecutive days

Need help?

More information can be found in the Product Disclosure Statement.

If you have more questions or just need a guiding hand, please contact our Customer Relations team on 132 135 (Monday to Friday, 8am to 6:30pm AEST) or via email customer.relations@btfinancialgroup.com.