Advocate

Ask your super fund when they're bringing Separation Income Protection to their product range.

Every major fund already holds the licences and the ATO connection this requires. The only thing missing is a member asking for it. That's a fair question to ask the fund that already manages your retirement — not a request, just a question worth having an answer to.

This page asks a question. That's legal. If a fund has a problem with members asking when a product might exist, that's a conversation for them to have internally — not a reason to write to us. Cease and desist what?

Who to ask

Major Australian super funds.

Named here for information only. None of these funds are affiliated with ForBothOfUs, have endorsed it, or have committed to building anything — that's exactly the question worth asking them.

AustralianSuper

Australia's largest fund by members and assets.

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Australian Retirement Trust

Second largest, formed from the QSuper/Sunsuper merger.

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Aware Super

One of the largest funds open to all Australians.

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Hostplus

One of the largest funds by membership.

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HESTA

A leading fund for the health and community services sector.

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Cbus

A major industry fund, originally for the building and construction sector.

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UniSuper

The dedicated fund for Australia's higher education and research sector.

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REST

One of Australia's largest funds by membership.

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ForBothOfUs is not affiliated with, endorsed by, or acting on behalf of any fund listed here. Links go to each fund's own public website.

A starting point

Make it your own before you send it.

A message that sounds like every other member's gets ignored. Use these as a starting point, not a script to copy.

Worth mentioning:

  • You'd like to know if the fund has plans to offer income protection for the caregiving partner after a separation.
  • You've heard the term "Separation Income Protection" and want to know if it's on the roadmap.
  • You'd want this as a feature of your own membership — not a hypothetical.
"I've been a member for [X] years. I'd like to ask whether [fund] has any plans to offer Separation Income Protection — income sharing for a caregiving partner after separation, verified through ATO data. Is this something being considered?"