Accidents do happen but luckily, he is an SDA Member! Y O U R V O I C E A T W O R K

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1 Accidents do happen but luckily, he is an SDA Member! Y O U R V O I C E A T W O R K

2 The SDA provides a FREE Accident Insurance Policy for all financial members - NO Medical required, NO forms to complete and NO premium to pay! The policy provides protection for members outside working hours, this way the member has 24 hour cover... WorkCover while at work and the SDA Accident Insurance cover at all other times. We ve got you covered against Personal Accident injuries outside work. Accidents Can Happen The Scheme covers you in the event of: Death; Total incapacity to work in the job in which you were trained and/or educated to perform; and Other defined injuries as listed over.

3 Increased - Benefits Payable EVENT ACCIDENT DESCRIPTION AMOUNT 1 Death - Members with Dependants... $45,000 Death - Members without Dependants... $15,000 2 Permanent Paraplegia... $45,000 3 Permanent Quadraplegia... $45,000 4 Permanent Total Loss of sight of both eyes... $45,000 5 Permanent Total Loss of sight of one eye... $45,000 6 Permanent Total Loss of use of two limbs... $45,000 7 Permanent Total Loss of one limb... $45,000 8 Permanent Total Loss of the lens of both eyes... $45,000 9 Permanent Total Loss of the lens of one eye... $22, Permanent Total Loss of hearing in (a) both ears... $33,750 (b) one ear... $ 6, Third degree burns and/or resultant disfigurement received from fire or chemical reaction which extend to cover (a) more than 40% of the entire external body... $22,500 (b) up to 20% of the entire external body... $11, Permanent Loss of Use of four fingers and thumb of either hand...$31, Permanent Total Loss of use of four fingers of either hand... $18, Permanent Total Loss of use of one Thumb of either hand (a) both joints... $13,500 (b) one joint... $ 6, Permanent Total Loss of use of Fingers of either hand (a) three joints... $ 4,500 (b) two joints... $ 3,150 (c) one joint... $ 2, Permanent Total Loss of use of Toes of either foot: (a) all - one Foot... $ 6,750 (b) great - both joints... $ 2,250 (c) great - one joint... $ 1,350 (d) other than great, each Toe... $ Fractured leg or Patella with established non-union... $ 4, Shortening of leg by at least 5cm... $ 3, Achilles Tendon Rupture involving: (a) a complete tear... $ 3,375 (b) a partial tear - New!... $ 2, Knee Reconstruction: (a) replacing the anterior or posterior cruciate ligament... $ 3,375 (b) arthroscopic surgery - New!... $ 2, Dislocations of: (a) Hip, Knee, Wrist, Elbow, Shoulder Blade, Collar Bone or Jaw... $ 600 (b) Thumb, Finger or Toe... $ 300 (c) Other Joints not specified... $ Permanent partial disablement not otherwise provided for under Events 9 to Maximum* - $37,500

4 Broken Bones - Increased Benefits Injury resulting in breaks or simple fractures to: EVENT ACCIDENT DESCRIPTION AMOUNT (a) Neck or spine (full break)... $ 600 (b) Hip, pelvis... $ 600 (c) Skull, shoulder blade... $ 600 (d) Collar bone, upper leg... $ 600 (e) Upper arm, kneecap, forearm, elbow, lower leg, jaw, wrist, cheek, ankle, hand or foot... $ 600 (f) Vertebrae, ribs (per rib)... $ 300 (g) Thumbs, fingers, toes (per thumb, finger or toe)... $ 300 (h) Other bones not specified... $ 300 Maximum compensation any one injury...$1200 Education Fund Supplement for Dependent Children If a member suffers death and is survived by dependent child(ren) the insurer will pay the deceased member s estate an additional $10,000 for each dependent child up to a maximum benefit of $30,000 with respect to any one family. Funeral Benefit Refund If the next-of-kin receive a payment for a member s death, they will also receive an amount up to $3,000 in respect of any funeral cost paid. Emergency Transport Benefits In the event that the Insured Person suffers Accidental Bodily Injury, the Insurer will reimburse the cost of such reasonable road, air or water transportation costs up to a maximum of $2,500 per accident. Provided always that the Insurer will not be liable for: (a) Any costs that the insurers are prohibited by law from paying. (b) Any costs that are recoverable from any other source. Accidental HIV Infection Benefit A member will receive compensation of $27,500 if he/she accidentally contracts HIV as a direct result of: New! New! New! (a) Injury caused by a physical and violent bodily assault by another person. (b) During the administering of medical treatment provided by a registered and legally qualified medical practitioner or registered nurse. Note: Other special conditions apply to this offer. Full details are included in the policy document itself.

5 Home Renovation/Motor Vehicle Modification Benefit If as a direct result of injury in any one Event 2 to 9, the person is required to: (a) Renovate his/her existing residence (including but not limited to the installation of ramps for wheel chair access, internal guide rails, emergency alert system and similar disability aids) necessary for the member to perform daily activities (ie washing, cooking, bathing and dressing) and to remain in and move around his or her existing residence and/or; (b) Modify the member s motor vehicle (including but not limited to hand operated acceleration and brakes and wheel chair brackets) necessary to enable the member to drive themselves or be transported. The insurer will pay 80% of the cost incurred for such renovations to a maximum of $11,000. The benefit is only payable if the renovations or modifications are undertaken with the insurer s prior written agreement and the agreement of the member s attending physician. The benefit is payable in respect of one residence and vehicle only. Accidents Not Covered The policy does not apply to any event arising directly or indirectly out of: War injury Any aerial activities except as a powered aircraft passenger Intentional self-injury, suicide or criminal or illegal act Pregnancy, childbirth or miscarriage Sexually transmitted disease or AIDS/HIV unless contracted means described in the Accidental HIV Infection Benefit clause printed at left Training or participating as a professional in any sport Racing in or on any motor powered device Radioactive contamination (*EVENT 22 - Such percentage of the Capital Sum Insured as the Insurers in their absolute discretion shall determine and being in our opinion not inconsistent with the compensation provided under Events 9 to 21. The Maximum amount payable under Event 22 is 75% of the Capital Sum Insured shown in the Policy Schedule).

6 Other Conditions The details contained in this brochure are an outline only. The Union is bound by the full terms and conditions of the policy which is available for inspection by members at the Union office. Personal Papers The Union suggests that you file this brochure with your personal papers, so that in the event of an accident, your spouse or next of kin will be aware of this policy which covers all financial members of the SDA. What You Save The SDA Accident Insurance scheme is absolutely FREE for every financial member of this Union. The buying power of over 200,000 members nationally, enables the SDA to cover you for FREE. If you had to insure yourself with a similar type of policy, it would cost you approximately $ each year for a member with dependents or $ each year for a member who does not have dependents. The benefits of the SDA scheme are NOT affected if you have other insurance cover. Making A Claim A claim under the SDA Accident Insurance policy must be submitted within 30 days to: The Shop, Distributive and Allied Employees Association (Queensland Branch) PO Box 490, Spring Hill, Qld. 4004

7 Other SDA Benefits and Services The BIG ones... FREE world-wide Personal Accident Insurance cover FREE student scholarships FREE legal assistance for industrial matters and first call free for domestic issues FREE counselling service FREE mortality benefit FREE publications FREE competitions FREE training seminars All for FREE! Other offers... FREE Frequent Value TM and Union Shopper services which provide discounts on: Movie tickets Theme Park entry such as: - Dreamworld - Seaworld - Movieworld - Wet n Wild - Whitewater World - Australia Zoo - Currumbin Wildlife - Skypoint & Climb Holiday accommodation Travel insurance Car hire Home services Magazine subscriptions Restaurant & cafe dining Car buying & white goods Flights & travel We also have the SDA family footy night, regional family days and movie nights. Offers are available across the State of Queensland and if you are travelling interstate on holidays, there is more to be saved. Y O U R V O I C E A T W O R K It doesn t cost to be a member of the SDA... IT PAYS!

8 Your Secretary, Chris Gazenbeek says... We are a positive, progressive Union, working for the betterment of our members. The Accident Insurance Scheme shows how the SDA cares for its members 24 hours a day. The SDA provides an extensive range of benefits and services for our members; the Accident Insurance cover is just one of many. Call our office for further details on how you can take advantage of these services. Authorised by: CHRIS GAZENBEEK, State Secretary Shop Distributive & Allied Employees Association (Qld. Branch) SDA House, 385 St Pauls Terrace, Fortitude Valley PO Box 490, Spring Hill, Qld Local: Regional: Fax: (07) Website:

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