Corporate Plus FAQ

TelstraSuper has been supporting members’ retirement outcomes for more than three decades. 

As the superannuation industry continues to evolve, the TelstraSuper Trustee Board decided that merging with the right partner is the best way to serve members in the long run. Following a comprehensive review of the options available, the Board has determined that TelstraSuper will merge with Aware Super. 

By joining Aware Super, TelstraSuper members will benefit from being part of a much larger fund, which provides the potential for better products and services, lower fees and access to more investment opportunities. 

Importantly, both TelstraSuper and Aware Super have many shared values, including a strong focus on long-term performance, member engagement, personalised service, guidance and financial advice.  

Now the merger is complete, TelstraSuper members have become members of Aware Super, resulting in a combined fund that is expected to manage around $237 billion for around 1.3 million Australians.^[M7]  

Aware Super is one of Australia's largest profit-for-member superannuation funds with $237 billion in funds under management* and around 1.3 million members*. Aware Super strives to deliver strong long-term returns for its members and the help, guidance and advice they need to prepare for and enjoy their best possible retirement.

Aware Super started as First State Super in 1992, looking after the retirement savings of NSW government employees. This gave them a deep appreciation of the importance of frontline workers like nurses, teachers and police, as well as an understanding of their retirement needs. Over the years, they’ve successfully brought together members from different funds through mergers: Health Super in 2011, VicSuper in 2020, followed by WA Super later that year.

You can visit Aware Super - Australian Superannuation Fund for detailed information about Aware Super’s products and services, investment performance, updates, and member resources.

*Aware Super, 31 December 2025.

Aware Super won SuperRatings Fund of the Year in 2024 and 2025^[A5] and Chant West's Pension Fund of the Year, also in 2024 and 2025^[A6]. 

You can visit  awaresuper.com.au for detailed information about Aware Super’s investment performance. 

Aware Super is a profit-for-member super fund, similar to TelstraSuper. Aware Super is led by a Board of Directors and an executive team. Christine McLoughlin is the Chair of the Board, and Deanne Stewart is the CEO. Like TelstraSuper, the Board includes equal representation from member and employer representatives, plus an independent Chair.

Aware Super started as First State Super in 1992, looking after NSW government employees, giving them a deep appreciation for and understanding of frontline workers like nurses, teachers, police and first-line responders. In 2006, it opened up membership so anyone could join. Over the years, Aware Super has successfully brought together members from different funds through mergers: Health Super in 2011 then in 2020 VicSuper, followed by WA Super later that year.

After merging with TelstraSuper, the Aware Super Board will add two new directors: one nominated by the ACTU and one by the Telstra Group. Aware Super is not a part of the industry super network advertising campaign. You can find out more about the origin of Aware Super at Who is Aware Super?

Where an employee does not have an existing superannuation fund or does not choose an alternate super fund, Aware Super will be the default super fund for new Telstra Group employees and associated employers.

For the merger to go ahead it had to pass a strict test to ensure that it’s in members’ best financial interests as a whole, and that TelstraSuper members’ rights in respect of their benefits are equivalent (or better) in Aware Super.

After considering all relevant factors, including independent expert advice, the TelstraSuper Board determined that members will, as a whole, have equivalent or better rights in respect of their benefits in Aware Super, and that the merger is in members best financial interests as a whole.

Telstra Super Pty Ltd no longer exists in its capacity as trustee of the TelstraSuper Fund.       

No. You don’t need to do anything as TelstraSuper and Aware Super will work directly with your Corporate Plus Employer to ensure their records are updated. 

No. If you have provided your TFN to TelstraSuper, this has carried over to Aware Super.

Most members will keep their existing membership and account numbers when their account(s) are transferred to Aware Super.

Please note, if your member number was already in use by Aware Super, you have been assigned a new member number. If you are affected by this change it will be confirmed in your welcome letter from Aware Super. Otherwise, your Aware Super account number will be the same as your TelstraSuper account number without any spaces. You can find this number on the cover letter to your Significant Event Notice. You can also find your existing member number on your TelstraSuper super statements or by contacting us on 1300 033 166.

Your member number is the number we use to identify you. Your account number is the number your employer uses to pay your super contributions. If you had more than one TelstraSuper account, you will have multiple account numbers but only one member number.

A Data Migration Strategy is supporting the merger that includes several rounds of testing, extensive reconciliation and auditing across the balances being transferred to ensure their accuracy.

Once the transfer is complete, you will receive an exit statement from TelstraSuper and a welcome letter from Aware Super. These letters will contain the amount that TelstraSuper has transferred across to Aware Super.

Your TelstraSuper balance on exit will be exactly the same as your Aware Super opening balance.

As part of the merger, the information TelstraSuper held about you was transferred to Aware Super which included security questions and answers. Any of your information that was transferred before 30 April 2026 was handled in accordance with TelstraSuper Privacy Policy. On transfer, Aware Super’s Privacy Policy will apply and will describe how your personal information will be managed. You can access the Aware Super Privacy Policy at aware.com.au/privacy.

In late May 2026 you will receive an exit letter/statement from TelstraSuper, which will show your TelstraSuper account and final account balance (which was transferred to Aware Super).

After 11 May, Aware Super sent you a welcome letter via your communication preference that was recorded with TelstraSuper prior to the merger. The welcome letter will include a summary of your Aware Super account, information about online access and services available to you, as well as any other relevant terms of your membership.

Because your account is in a different fund, only new contributions that are received from 1 May 2026 will legally be able to be transferred or split. Aware Super will not be able to transfer or ‘split’ contributions that were made while you were a member of TelstraSuper. 

You’re currently not able to view historical TelstraSuper transactions in your Aware Super account.  Transactions and statements from the last five years of your active accounts will be visible to you in Member Online from August 2026.

You can check your total super contributions through your myGov account using ATO online services. This includes both concessional and non‑concessional contributions.

Your employer contribution may take longer to appear following the merger due to system changes. Delays are temporary during the transition period and are expected to return to normal processing timeframes once the transition is complete.

An exit letter / statement from TelstraSuper will be sent to you in the mail late May 2026 which will show your TelstraSper account and final account balance (which was transfered to Aware Super). This will also be available in Member Online. 

As with personal contributions, employer contributions – including any contributions made through salary sacrifice arrangements - will be applied to your account, effective the date Aware Super processes the contribution. 

You will need to make these requests directly to Aware Super, which will process the request for the relevant financial year in which the contribution was made.

Your account transferred from TelstraSuper Corporate Plus to Aware Super Future Saver Employer Sponsored and Personal. A Product Disclosure Statement (PDS) about your new product will be included with your Aware Super welcome letter in May 2026.  You can also download the PDS and the Insurance Handbook for employees of Telstra Group Limited and Associated Employers via aware.com.au/pds.

Most TelstraSuper members will benefit from lower fees and costs with Aware Super. Aware Super will begin charging fees and costs from 1 May 2026.

You can view a direct comparison between TelstraSuper’s fees and costs with those of Aware Super in Table 1 -  Fees and costs summary comparison and Table 2 - Investment fees and costs and transaction costs comparison in your Significant Event Notice.

Important: If you have multiple accounts with TelstraSuper, or have both an Aware Super and TelstraSuper account, you may end up paying more fees overall as the $52 per year admin fee and fee caps apply per account at Aware Super. To avoid paying fees on multiple accounts, you may want to consider consolidating your accounts.  However, there may be implications, including to any insurance arrangements, so it’s important to speak to a qualified financial adviser before making any decisions. You can also speak to Aware Super if you have questions about their products.  

To find out more about the impacts to your insurance by consolidating you can refer to the relevant PDS and handbook for your product which will be available at aware.com.au/pds.

To access Aware Super’s Member Online portal (similar to SuperOnline) and App, as well as a range of digital services, tools and calculators including the insurance portal go to login.aware.com.au.

Log in to Member Online using your  TelstraSuper member number and existing TelstraSuper password. If you're unable to log in or receive an error, please use the 'forgot password' prompt below. 

You can check your employer contributions by using your member number or username to login to Aware Super’s digital platform Member Online or the Aware Super app.

You can update your personal and contact details via Aware Super’s Member Online or the app.

If you had both an Aware Super account and a TelstraSuper account, you will end up with at least two Aware Super accounts. Having multiple Aware Super accounts may incur higher fees overall. Members can request for these accounts to be consolidated with Aware Super after the merger. There may be some implications to consolidation, including to any insurance arrangements, so it’s important to speak to a qualified financial adviser before making any decisions. You can also speak to Aware Super if you have any questions about their products. 

To find out more about the impacts to your insurance by consolidating you can refer to the relevant PDS and handbook for your product which will be available at aware.com.au/pds.

You’re currently not able to view historical TelstraSuper transactions in your Aware Super account. Transactions and statements from the last five years of your active accounts will be visible to you in Member Online from August 2026.  

If you have a death benefit beneficiary nomination, it was transferred to Aware Super and applied to each of your accounts.

If you have a non-binding death benefit nomination, you won’t be able to make changes to it after the transfer to Aware Super as Aware Super doesn’t accept new or updates to existing non-binding death benefit nominations. Instead, you can make a lapsing or non-lapsing binding death benefit nomination.

Aware Super offers members the opportunity to make or update a non-lapsing death benefit binding nomination anytime online.

If you have multiple accounts and want to update beneficiaries, you must make changes for each account individually (because in Aware Super a death benefit nomination attaches to each of your individual accounts rather than to your Aware Super membership).

Third party authority on TelstraSuper accounts were not transferred over to Aware Super. 

To set up a Third Party Authority on your account, go to aware.com.au/thirdpartyauthorityform. Please return the completed form by email to enquiries@aware.com.au. 

Yes, if you have a valid power of attorney in place, it has transferred to Aware Super.

The spouse combined account administration fee rebate will no longer apply. However, reduced individual account fee caps will apply. You can view a comparison between TelstraSuper’s fees and costs with those of Aware Super in Table 1 - Fees and costs summary comparison in your Significant Event Notice.

Yes. The app allows you to check your transactions, balance and fees and make personal contributions to your super. You can also use the app to update your personal details and communications preferences.

You can download Aware Super’s mobile app from the Google Play store (for Android) or the App store (for Apple).

Like TelstraSuper, Aware Super provides a range of services to help members with their accounts at no extra cost. This includes general financial advice and intra fund advice. Like TelstraSuper this will continue to be included as part of your Aware Super membership. In addition to getting help with understanding your super, and insurance within your account, making contributions, and choosing how to invest, Aware Super can assist with setting up a pension account and estimating how long your pension might last and incorporating Centrelink eligibility estimates, where relevant.

You can learn more about Aware Super’s advice and guidance offering here. 

Like TelstraSuper, Aware Super provides annual super statements after the end of each financial year, however we don’t provide an annual Insurance Statement. You will be able to view your insurance in Member Online, and in the Aware Super app.

If you have a recurring BPAY set up with your bank, please cancel it before 24 April 2026. If the arrangement is not cancelled, your next payment will fail and not be sent.

Aware Super offers a Retirement Bonus when members transfer from accumulation to the retirement phase. However some of the eligibility criteria and calculations will differ from TelstraSuper’s arrangements:

• TelstraSuper currently pay 0.5% capped at $8,000, whereas Aware Super will pay 0.7% capped at $14,000.
• TelstraSuper has no minimum eligibility period, however Aware Super’s is based on the average daily balance over a 6-month period and amount transferred.
• Continuous account tenure in a Corporate Plus, Personal Plus or Transition to Retirement Income stream account prior to the merger (and before a transfer to a Retirement Income account) will be factored into the 6-month eligibility period.
• Funds invested in the Cash investment option will not be eligible for the Retirement Bonus post transfer to Aware Super.
•  Funds held within a Defined Benefit or Voluntary Accumulation Account (VAA) will not be eligible for the Retirement Bonus, however defined benefit members who transfer to an eligible account for a 6-month period may be eligible

 You can find out more about Aware Super’s Retirement Bonus here.

If you wish to rollover any super balances into your new Aware Super account, you must do so using Aware Super’s USI & ABN details:

• Aware Super’s USI: 53 226 460 365 001 
• Aware Super’s ABN: 53 226 460 365

Your Account Number: Your Aware Super account number will be the same as your TelstraSuper account number. You can find this number on the cover letter to this notice. Please ensure you provide the account number without any spaces.

As part of the merger, there may be changes to your investments.

MySuper Lifecycle members

If on 30 April 2026:

• any part of your balance invested in a MySuper investment option, or
• MySuper Lifecycle is part of your future contribution strategy,

your entire account and future contribution strategy will automatically move to the Lifecycle stage at Aware Super that matches your age after the merger (see ‘Jack’ example below). This could significantly affect your investment allocations. Please read the FAQ below: How does Aware Super’s Lifecycle investment approach compare to TelstraSuper’s? 

If you aren’t a MySuper Lifecycle member (that is, you do not have any funds invested in a MySuper option and/or your future contribution strategy does not include MySuper. Lifecycle), your account will be transferred to the Aware Super option(s) that most closely match how your balance is currently invested with TelstraSuper. Your investments will be transferred in the same proportions. However, the investment characteristics may differ between these options.

Your account has already been invested in the Aware Super MySuper Lifecycle as part of the transfer. But can also update your investment option(s) and choose from our  range of investment options.

Non-MySuper Lifecycle members

If you aren’t a MySuper Lifecycle member, your account balance has been transferred to the Aware Super investment option(s) that most closely matches how your account balance is invested with TelstraSuper in the same proportions. However, the investment characteristics may differ between these options.

If you’ve made a choice about how you’d like contributions to be invested, your future contributions (post-merger) will be invested in the Aware Super investment option(s) that most closely matches how your account balance is invested with TelstraSuper, in the same proportions.

You can see how TelstraSuper investment options compare with the corresponding Aware Super investment options in Table 4: Investment option comparison in your Significant Event Notice.  Note in particular there are some important differences in relation to the Property investment option. These are explained in the Significant Event Notice (see ‘Important information about the Property investment option’).

To learn more about Aware Super’s investment options, read the Investment and Fees Handbook available at aware.com.au/pds.

Like TelstraSuper, Aware Super use a lifecycle investment approach for their default MySuper offering. If any part of your account balance is invested in TelstraSuper’s MySuper Lifecycle investment option, or if you have MySuper lifecycle is part of your future contribution strategy, this is where your funds and future contributions will be invested when your account transfers to Aware Super.

Similar to TelstraSuper’s MySuper Lifecycle investment option, Aware Super’s Lifecycle approach invests more of your super in growth assets (such as shares and property) when you’re younger and gradually shifts your investment mix to more defensive assets (such as cash and fixed interest) as you get older. However, there are a few important differences:

• TelstraSuper’s Lifecycle strategy has 4 stages, while Aware Super’s has 11 stages, allowing for a more gradual transition over time.
• Other than members aged 61 to 64, members moving into Aware Super’s Lifecycle investment option will hold more growth assets than at an equivalent age in TelstraSuper. Growth assets can help grow your balance more in the long term, but tend to rise and fall more in the short term*. This may result in greater fluctuations in the value of your investment.
• Unlike TelstraSuper, Aware Super doesn’t offer partial investment in their MySuper Lifecycle approach.

You can see how the two Lifecycle approaches compare in Table 3 – MySuper Lifecycle comparison in your Significant Event Notice.

For more details, refer to the ‘MySuper Lifecycle’ section of the Investment and Fees Handbook available at aware.com.au/pds.
 

* Historical investment performance is not indicative of future investment performance.

Aware Super has a wider range of investment options for you to choose from including term deposits, indexed and socially conscious investment options.  

You can view a comparison of the investment characteristics of TelstraSuper investment options and corresponding Aware Super investment options in Table 4 - Investment option comparison in your Significant Event Notice.

You can change your investment strategy with Aware Super anytime.

To learn more about Aware Super’s investment options, read the Investment and Fees Handbook available at aware.com.au/pds or Visit Aware Super's Investment Options page at aware.com.au/invest to explore the details of the many investment options available.

After the merger, there will be some changes to investment fees and costs. Most TelstraSuper members will benefit from lower investment fees and costs with Aware Super.

You can view a direct comparison between TelstraSuper’s investment fees and costs and transactions costs with the corresponding Aware Super option Aware Super in Table 2 - Investment fees and cost and transaction costs comparison in your Significant Event Notice.

For more information about Aware Super’s investment fees and costs, including the fees and costs of other Aware Super options not listed above, read the Investment and Fees Handbook available at aware.com.au/pds or go to aware.com.au/fees.

Note: Investment fees and costs and transaction costs are not fixed and may vary from year to year. The amounts in the table in your Significant Event Notice are indicative only.

Aware Super’s daily investment switch cut off time is 3pm on a business day (AEST/AEDT). TelstraSuper’s is 4pm on a Melbourne business day.                         

Although the balance of your account before and after transferring to Aware Super won’t change, the number of units you hold and the relevant unit price will be different. This is because the unit price of the corresponding Aware Super investment options are different.

Aware Super has a similar range of asset classes to TelstraSuper but uses different labels in some instances, for example Aware Super uses ‘Private equity’ instead of ‘Private Markets’, and ‘Credit income’ instead of ‘Alternative Debt’. The below table compares TelstraSuper’s asset classes with the corresponding Aware Super asset classes. Note that Aware Super does not have an equivalent to the ‘Opportunities’ asset class.
 

There are many similarities between TelstraSuper and Aware Super in terms of their approach to sustainable investment. For example, both funds: 

• Integrate environmental, social and governance (ESG) considerations into their investment processes (as outlined in their responsible investment policies);
•  Implement stewardship programs through voting, corporate engagement and advocacy and are signatories to the Australian Asset Owners Stewardship Code;
• Participate in many of the same major industry initiatives and collaborative organisations; 
• Have an exclusion framework and investment restrictions in relation to tobacco, thermal coal and controversial weapons¹; 
• Provide publicly available responsible investment reporting.

In addition, both funds have an exclusion framework and similar investment restrictions. However, there are some important differences:

• Aware Super’s materiality threshold for thermal coal is lower (10% of revenue compared to TelstraSuper’s 25%), so it will exclude more companies;
• Aware Super’s materiality threshold for controversial weapons is lower (no threshold compared to TelstraSuper’s threshold of 5% of revenue), so it will exclude more companies;
• Aware Super’s controversial weapons restriction applies to a broader range of weapons, including depleted uranium, incendiary weapons and white phosphorous weapons; and
• Aware Super has an investment restriction for nuclear weapons, subject to a 5% revenue threshold and verified involvement.

Note that while Aware Super does not have a fund-wide restriction for Russian-domiciled securities, it does not currently invest in any Russian-domiciled securities due to Australian Government sanctions on Russia.

Other differences in the fund’s sustainable investment approach include:

• The climate targets differ in scope. TelstraSuper limits its target to listed equities and real assets, while Aware Super’s target applies across the whole fund.
•  Aware Super has an international provider that undertakes stewardship activities on their behalf.

To read more about Aware Super’s approach to sustainable investment, refer to the Responsible Ownership section of the Investment and Fees Handbook available at aware.com.au/pds or go to aware.com.au/responsiblesuper.

As part of our merger on 30 April 2026, the insurance provider changed from Nippon Life Insurance Australia and New Zealand Limited ABN 90 000 000 402 AFSL 230694 trading as Acenda (formerly MLC Limited) to Aware Super’s insurer, TAL Life Limited ABN 70 050 109 450 AFSL 237848. 

What this means for your insurance:

Most members will maintain the same type of cover upon joining Aware Super. Aware Super will recalculate members’ sums insured as at 1 May 2026. As a result, the amount of cover you receive may be different to the amount of cover you hold in TelstraSuper Corporate Plus. Also, the premiums and the insurance terms, conditions and policy definitions will change.

There will be changes to the way insurance is calculated and provided by Aware Super:

• Corporate Plus members will have cover recalculated based on “age attained” instead of your “age next birthday at last 1 July”.  If you had a birthday between 1 July 2025 and 30 April 2026, your default cover may reduce on 1 May 2026. If you have voluntary cover, you may experience an increase in premiums on 1 May 2026.  This is because you will have reached the “age attained” in Aware Super. This essentially brings forward age-based changes that normally apply in your TelstraSuper account each year at 1 July.   
• Eligible Corporate Plus members aged 60 and over who are employed on a permanent basis or as a fixed term contractor: your current age-based default Death & TPD cover will change to formula-based cover from 1 May 2026. Your total cover will be recalculated using your employer reported salary under Aware Super’s Employer Tailored Basic Cover. You may experience an increase in premiums on 1 May 2026.
• Members who have already attained 75 years of age won’t have insurance cover after the merger, as Death cover ceases under the new policy terms at age attained 75. This means that if you’re already 75 years of age and still hold insurance, it will be cancelled on 30 April 2026.

Aware Super will confirm your insurance arrangements and new premiums in writing in late May 2026; and you’ll be able to see this information by logging in to Aware Super’s Member Online, where you can also apply to make changes to your insurance and submit a disability insurance claim.

Your Significant Event Notice summarises the key changes so you can see what’s changing at a glance. Additionally, Table 5 - Employer Tailored Basic Cover and Table 6 - Insurance terms, conditions and policy definitions in your Significant Event Notice contain more details of what’s changing from 1 May 2026.

For more details, including information on the new insurance premium rates that will apply to your insurance cover from 1 May 2026, please read the Changes to Insurance Booklet provided with your Significant Event Notice. 

The Aware Super Future Saver Insurance Handbook – Telstra Group Limited and Associated Employers is available at aware.com.au/pds. You can also contact Aware Super after the merger to obtain a copy of the relevant insurance policies which will be issued by TAL Life Limited.

New insurance premium rates will apply to automatic default cover, (Employer Tailored Basic Cover) and any additional insurance you have with Aware Super from 1 May 2026.

In addition to insurance premiums, a new insurance administration fee of $1.85 per month ($22.20 per year) will apply.  Collectively, these are called insurance costs.

If you pay for any of your insurance costs (rather than your premiums being covered by additional employer contributions), Aware Super will generally deduct these from your Aware Super Future Saver account at the end of each month, rather than quarterly.  

Where your employer makes additional contributions to your account to cover some or all of your insurance costs (including the insurance administration fee), the deduction will occur when Aware Super receives that contribution.

As at the date of your Significant Event Notice, arrangements with individual employers were still being finalised. If your participating TelstraSuper employer currently makes additional employer contributions to TelstraSuper to cover the cost of insurance premiums for Death, TPD, or IP cover, as an additional employee benefit, we don’t expect this to change when your membership transfers to Aware Super. If this changes before the merger, we’ll update you using the TelstraSuper Merger Hub. If anything changes after the merger, Aware Super will let you know.

There are changes to various insurance terms and conditions, including the introduction of new policy definitions, and some existing insurance terms and conditions will cease to apply. A summary of the key changes is provided in Table 6 Insurance Terms and Conditions/Key changes to policy definitions in your Significant Event Notice.  

If your employer pays additional contributions towards insurance premiums and the insurance administration fee, Aware Super provides a 15% rebate on insurance costs (both premiums and the insurance administration fee).

If your employer doesn’t pay additional contributions towards insurance premiums or the insurance administration fee, Aware Super provides a 15% rebate on insurance premiums.

The rebate will be credited to your account when the insurance costs are deducted at the end of each month, or on exit where you request a full withdrawal of your account. 

After the merger, you'll still be able to apply for new or increased insurance cover in Aware Super if eligible.

From 11 May 2026, Aware Super started processing all forms, including insurance applications and claims, submitted to Aware Super from 1 May 2026.

Like TelstraSuper, Aware Super provides annual statements after the end of each financial year, however they don’t provide an annual Insurance Statement. You can view your insurance in Member Online, and the Aware Super app. 

As part of our merger on 30 April 2026 with Aware Super, the insurance provider will change from Nippon Life Insurance Australia and New Zealand Limited ABN 90 000 000 402 AFSL 230694 trading as Acenda (formerly MLC Limited) to Aware Super’s insurer, TAL Life Limited ABN 70 050 109 450 AFSL 237848. 

If you become eligible or are currently eligible and considering obtaining insurance cover, there are some important updates you should be aware of. These relate to changes affecting Death, Total & Permanent Disablement (TPD), and Income Protection (IP) cover, as well as updated insurance premiums, terms and conditions, and policy definitions.

If you left a Corporate Plus or Defined Benefit Employer on or after 1 January 2026 and you are under age 25 or have an account balance of less than $6,000, you may be eligible to reinstate your Death & TPD cover (by opting in by 28 April 2026) or apply to continue your IP cover (by 17 April 2026) after your transfer to TelstraSuper Personal Plus.

You can reinstate your Death & TPD cover and/or apply to continue your IP cover with Aware Super up until 30 June 2026, subject to the relevant terms and conditions.

Your insurance cover may change over time based on factors such as your age and salary. At Aware Super, your cover is updated automatically when these details change. 

If you have had a birthday, your insurance cover may reduce as you get older. This is because cover is based on age. 

If your salary increases, your insurance cover may also increase once updated salary information is received from your employer.

Your insurance cover is updated automatically when your age or salary changes. 

Under TelstraSuper, insurance was typically updated once each year. At Aware Super, updates can occur throughout the year. This means you may see changes at different times compared to how it worked previously.