Super
We read your super statement back in plain English.
Upload it and see what you hold, what it costs, what insurance comes with it and when that cover would stop. We add your fund’s ATO YourSuper ranking and APRA performance test result, as they publish them.
- Insurance first
- Lapse dates worked out
- The ATO’s ranking, in your review
Review my statement
Drop your latest super statement here, or forward it from your inbox. We keep the figures, not the file.
ExampleYour statement, reviewedChecked against the ATO’s published data
- From your statement
- Fund and option
- Example Super, Balanced (a MySuper product)
- Balance
- $48,200
- Fees
- 0.85% of your balance plus $78 a year
- Death cover
- $150,000, $96 a year from your balance
- TPD cover
- Not included. You can apply. It costs more and the insurer can say no.
- Income protection
- $3,000 a month after 90 days
- Last contribution
- 28 August 2026
- Cover stops
- If no contributions arrive for 16 months: end of December 2027
- From the ATO and APRA
- Performance test
- Passed, APRA 2025
- YourSuper rank
- 18th of 80 MySuper products on 7-year net return
- Net return, 7 years
- 7.9% a year, after fees and taxes
- Fees, per YourSuper
- $470 a year on a $50,000 balance
ATO and APRA figures are shown as published. YourSuper ranks MySuper products only, so a choice product has no rank.
What it is
Super is money your employer pays into a fund for your retirement, 12% of your ordinary earnings. The fund invests it, charges fees and often includes insurance. You can usually take it out only at retirement age.
What to know
RequirementChoose your fund in week oneName your own fund on the Standard Choice Form at HR, before your first pay. If you do not, you join the employer’s default fund, and it follows you to every later job.Source: ATO, choosing a super fund
Good to knowMost funds include insuranceMost funds give default death and TPD cover, sometimes income protection, paid from your balance. It may be the only life cover you hold; your statement shows what it is.Source: Your fund’s product disclosure statement
RequirementCover can stop after 16 months without contributionsIf no contributions arrive for 16 months, default cover generally ends unless you tell the fund to keep it. Some funds use a shorter period.Source: Protecting Your Super rules
Good to knowDefault death cover shrinks with ageDefault cover is age-based. In one large fund it peaks around $185,600 between 36 and 40 and falls to $36,900 by 60.Source: Fund insurance guides
Good to knowConsolidating can cancel coverRolling one fund into another closes the old account and ends its insurance. Death and TPD cover in two funds can both pay; income protection generally pays once.Source: Insurers and your funds
Good to knowSome funds skip medical questions for new membersSome funds let you add income protection without medical questions for a set window after you join, such as 120 days. Your welcome pack says.Source: Your fund
RequirementNo default insurance under 25 or under $6,000Default insurance is not automatic if you are under 25 or your balance is under $6,000, unless you ask the fund for it.Source: Protecting Your Super rules
Good to knowDoctors can ask for the office-based rateSome funds price cover by occupation. Doctors can ask to be classed as office-based, which costs about a quarter less at HESTA, whose list names doctors.Source: Fund insurance guides
What we do
- Read your statement back in plain English
- Add your fund’s ATO ranking and APRA result, as published
- Work out when cover would lapse, and remind you before it does
What we don’t
- Rank funds ourselves or suggest switching
- Work out what switching would gain you
- Tell you how much cover you need
- Keep the statement file, or any underwriting notes in it
- Take money from super funds