If you have insurance through super, it usually covers you for death, disability and sometimes income protection. But, if your super account is not used for a while, your insurance may be automatically cancelled, regardless of your age.

This means, if you haven’t contributed to your super account in the past 16 months, and it has a balance of less than $6,000, your super may be automatically transferred to the Australian Taxation Office (ATO). From there, the ATO will try to consolidate your super with an active account if possible.

If the ATO can’t find an active account, the balance will remain with them until it is validly claimed.

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