As one of Australia’s largest profit-for-members funds, Aware Super always remembers whose money it is and whose future they’re looking after.
If you choose to grow your super with Aware Super, you’re choosing a fund that is committed to delivering strong long-term returns.[P1]
Access easily downloadable documents and forms for your needs.
Download as PDF:
Download and complete the super choice form at aware.com.au/superchoiceform. Email the completed form to your Payroll team at payroll@sapio.com.au to let them know you are nominating Aware Super as your preferred super fund. Your employer will add in your new Aware Super member number on the form – so leave that blank. Once we receive your first superannuation guarantee (SG) contribution from your employer, we’ll open an Aware Super Future Saver account in your name and send you your welcome kit in the mail. Please reach out to your Payroll team if you have any questions.
If you have questions about your Aware Super account please call us on 03 9917 3971.
Aware Super Financial Planning has a team of phone-based advisors that can give you general and simple personal advice about your super account at no additional cost to you. They can help with things like making extra contributions and your insurance cover and your investments within your Aware Super account. They also provide comprehensive advice over the phone, video and in-person, on a range of super and non-super matters on a one-off basis. An advice fee is payable for some types of personal advice and for comprehensive advice. There are also seminars and webinars run on a regular basis. All the details can be found on aware.com.au.
Yes, and it will only take 5 minutes via your Aware Super Member Online account. Alternatively, you can consolidate your super online.[C1]
Having just one super account means just one set of fees and makes managing your finances easier. It could make a big difference to your final super balance. Learn more.
Could your super be lost?
If you’ve had multiple jobs you might have multiple super funds, and then if you’ve moved houses there’s a good change that your super could be lost. You can search for lost super via your Aware Super Member Online account. If you find any lost super, you can then decide if you want to consolidate them all into your Aware Super account.
Important: Any insurance you may have with your other fund(s) will be cancelled on consolidation of your super to Aware Super. You can apply to transfer any existing Death only cover, Death & TPD cover or Income Protection cover into Aware Super. For more information about transferring insurance cover to Aware Super read the Insurance Handbook – Telstra Group and Associated Employers.
If you join Future Saver through an application made by your Employer, you’re an Employer-sponsored Member in the Employer Tailored division, and subject to eligibility, may receive Employer Tailored Basic Cover automatically
Employer Tailored Basic Cover may provide the following types of insurance automatically:
In addition to any cover you may receive automatically, you’re also able to apply for additional insurance cover. If you apply for additional cover, you may be required to provide information about your employment, health and lifestyle. Based on your answers, the insurer may accept or decline your application or may apply exclusions or loadings on your cover.
For more information, read the Insurance Handbook – Telstra Group and Associated Employers. The Insurance Handbook provides information about eligibility for insurance cover, the level and type of insurance available, the cost of cover, any applicable conditions and exclusions and cancellation of cover. These matters may affect your entitlement to insurance and should be read before deciding if insurance is appropriate for you.
Subject to eligibility, the Employer Tailored Basic Cover you may receive automatically is as follows:
Permanent employees and Fixed Term Contractors
Casual employees
The cost of insurance may vary based on several factors:
• your age
• your cover type and amount
• your gender, and
• any premium loadings the insurer applies.
For IP cover, your waiting period and benefit period are also considered.
The cost of insurance cover includes the insurance premium charged by the insurer, and any insurance administration fee charged by us. Insurance costs are deducted from your super account balance at the end of each month.
For more information about the cost of insurance, read the Insurance Handbook – Telstra Group and Associated Employers.
Your insurance can start at different dates based on the below. Your cover may be subject to Limited Cover Conditions depending on when it starts, and whether you’re At Work on the day it started. For more information about Limited Cover Conditions and when they apply, read the Insurance Handbook – Telstra Group and Associated Employers.
Employer Tailored Basic Cover – Death & TPD
Once you have an account balance of at least $6,000, are at least 25 years old, and we receive an SG contribution from Sapio into your super account, subject to your eligibility your Employer Tailored Basic Cover, which may include death, TPD and IP, will start as follows:
Employer Tailored Basic Cover – IP (Permanent Employees and Fixed Term Contractors only)
Once you have an account balance of at least $6,000, are at least 25 years old, and we receive an SG contribution from Sapio into your super account, IP cover will start as follows:
IP as part of Employer Tailored Basic Cover is not available to Casual employees. Casual employee members may apply for a fixed amount of IP cover through IP Express or via full underwriting with the insurer.
Additional insurance cover
Subject to eligibility, you can apply for additional death, TPD and/or IP cover. Applications for cover are subject to satisfactorily answering questions about your employment, health and lifestyle, and insurer acceptance. Additional insurance cover will commence upon acceptance by the insurer. Generally, additional death and TPD cover is fixed cover and will be added to your existing cover. IP cover that has been applied for and accepted by the insurer will also be fixed cover, however it will replace any existing IP cover you have in the fund, including IP as part of Employer Tailored Basic Cover.
Yes, you can opt-in to receive Employer Tailored Basic Cover sooner, without needing to answer any health questions, provided you do so within 120 days of commencing employment with Sapio. If your opt-in request is received after 120 days of commencing employment with Telstra Health, you’ll need to satisfactorily answer some health questions.
If you’re not sure how much cover you need, the insurance calculator at aware.com.au/insurancecalculator may help you work out how much insurance you might need and how much it could cost.
You can also speak with one of our Super Advisers, at no extra cost, about how much insurance you need and the costs, so you can decide what works best for you. Go to aware.com.au/book to find out more and book an appointment.
You can apply to transfer any other existing death, death and TPD cover, and/or IP cover you have through another life insurance policy or another super fund, into your Aware Super account. Simply log into Member Online to apply. If you transfer in other cover, this is considered additional insurance cover.
Your cover starts on the date the insurer accepts your transfer application, provided you cancel your other existing cover (you cannot transfer cover to Aware Super then decide to keep the other cover going as well).
How much can you transfer?
| For this cover type... | You can transfer up to... |
|---|---|
| Death | $10 million ($5 million for terminal illness) |
| TPD | $5 million |
| IP | $40,000 per month |
Your death and TPD cover will be transferred as fixed cover amounts, added to any existing cover, and cannot exceed the Maximum Cover Limits.
For terminal illness and TPD cover, the maximum transfer amount shown above includes your existing cover amount. If you transfer in TPD cover, the TPD cover amount cannot be higher than your total death cover amount in the fund.
Any existing IP cover you have in the fund, including any IP cover you’ve received as part of Employer Tailored Basic Cover, will be replaced with your transferred IP cover, up to the Maximum Cover Limits. If the insurer cannot match your transferred waiting period and benefit period, they will offer you the next longest waiting period and next shortest benefit period available in the fund.
Important: When we confirm that your cover has started, you must cancel your cover under the other policy – It’s important that you don’t cancel the other policy until after we’ve confirmed that your cover has been transferred to Aware Super.
For more information including meanings of terms and conditions that apply, read the Insurance Handbook – Telstra Group and Associated Employers.
1 Aware Super Accumulation, RIS and TRIS members can access simple advice from a superannuation adviser at no extra cost as part of their membership. A fee is charged for comprehensive advice. Advice provided by Aware Financial Services Australia Limited (ABN 86 003 742 756, AFSL 238430), wholly owned by Aware Super.
2 This service is available to you, your spouse and your children if you have insurance through Aware Super with TAL Life Limited, ABN 70 050 109 450, AFSL 237848 (‘the insurer’, or ‘TAL’). These services may be subject to change or withdrawal in future.
[P1] Aware Super's High Growth option return over 10 years to 30 June 2026. SuperRatings Fund Crediting Rate Survey, June 2026. Based on the SR Growth (77-90) Index. Returns are after tax and investment management expenses but before the deduction of administration fees. Past performance is not an indicator of future performance.
[F1] Chant West Super Fund Fee Survey March 2026, High Growth [81-95% in growth assets] investment option index and $50,000 account balance. Fees and costs can vary from year to year. Past fees and costs are not a reliable indicator of future fees and costs. Fees and comparisons may differ for other investment options and account balances.
[IN1] Insurance described on this webpage is provided under group life insurance and group income protection policies issued by TAL Life Limited, ABN 70 050 109 450, AFSL 237848 (‘the insurer’, or ‘TAL’). This webpage is intended to be a guide to the insurance available through Aware Super under the policies, however, all insurance is subject to the precise terms of those policies which will prevail to the extent of any inconsistency. Insurance cover is subject to the terms and conditions outlined in the applicable policy. For more information refer to the relevant Product Disclosure Statement (PDS) and Insurance Handbook.
[C1] Before consolidating, consider if this is right for you, including the loss of any insurance cover from your other funds, the impact on your investments, and potential tax implications and read the PDS and TMD at aware.com.au/pds. You may wish to speak with a qualified financial planner before making this decision.
[A2] Visit aware.com.au/awards for awards information. Awards and ratings are only one factor to be considered when choosing a super fund.
