5. Your insurance options

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1 5. Your insurance options You work hard for your super savings, so it makes sense to protect it with insurance. At Child Care Super, we provide you with great value insurance cover at some of the best rates in the market. When you join Child Care Super, you ll automatically receive Death, Total and Permanent Disablement, and Income Protection insurance cover. Fast facts about Child Care Super insurance: On joining, members who are employed and aged between 15 and 70 receive Default Cover. Plus we ll give your Default Cover a boost before you turn 25. You can apply to increase or reduce your cover at any time. For a limited time after you join, you can apply for extra cover without supplying any medical evidence. You can also transfer any similar cover you have with any other provider to Child Care Super (some conditions apply). And you can apply to top-up your cover when your circumstances change with our Life Events feature. The information on pages 21 to 39 of this document forms part of the Product Disclosure Statement for Child Care Super issued on 1 July Cover provided by Child Care Super Insurance cover is an important part of your Child Care Super account. MetLife Insurance Limited ABN AFSL (the Insurer) provides insurance services to Child Care Super under the group life and income protection policies. There are two parts to your insurance cover Default Cover and Additional Cover. Default Cover is provided on joining as soon as a contribution or rollover is made into your account. You can increase your cover at any time by applying for Additional Cover. Default Cover On joining Child Care Super as an employed member, you will be eligible to automatically receive Default Cover if you are aged between 15 and 70. The type and amount of cover and the number of units you receive will depend on your age and occupation. Your Default Cover is based on your age next birthday (on the last 1 July to have passed prior to you joining Child Care Super). Some new members will not be eligible for Default Cover (see page 22). And an automatic boost We know that your commitments and responsibilities change as you go through different stages in your life mortgage, marriage and kids to name a few. But not many of us remember to change our insurance to match. At Child Care Super, we do this for you by automatically giving your default cover a boost with an extra unit of Death and TPD cover and an extra two units of IP cover, effective 1 July if you are aged 24 as at that date. It s our way of helping to make sure your insurance cover keeps up with your changing responsibilities and commitments. There are costs associated with insurance cover and these costs will form part of the fees we charge you. The cost of insurance includes the administration costs incurred in providing insurance and the insurance premium. Insurance cover is paid for out of your super account. You may reduce or cancel your Default Cover at any time by completing an Insurance Alteration Form available from Member Services or on our website. Additional Cover Purchasing additional insurance cover through Child Care Super may be a cost-effective way to protect you and your family. You can apply for the following types of cover which will be subject to the provision of medical information: Additional Death Only cover, or Additional Death and TPD cover, and/or Additional Income Protection cover (2 year benefi t period), or Long-Term Income Protection cover (to age 65 benefi t period). Insurance Transfer Facility Our Insurance Transfer Facility lets you transfer similar insurance cover from any other provider to Child Care Super without undergoing any medicals, (some conditions and exclusions to the type of insurance you are able to transfer apply). This will help when consolidating your super to make sure you don t lose any insurance cover. The maximum cover available via this feature (including any cover you already have with Child Care Super) is $1 million of Death and TPD and $10,000 benefi t per month of Income Protection cover. 21

2 5. Your insurance options continued What are you covered for? Child Care Super s insurance cover provides a payment(s) in the following circumstances: If you: Description of when an insured benefit is payable You or your beneficiary(ies) receive: Die Are totally and permanently disabled Are totally and temporarily disabled Are terminally ill Death cover is paid on your death, provided you have this cover when you die. Generally, TPD cover is paid if you are unable to work and are not expected to be able to ever return to work again due to sickness or injury. Different defi nitions of TPD apply depending on your age and how many hours a week you work. See page 30 for the defi nitions. Income Protection payments are paid if you are temporarily unable to work due to sickness or injury, but are expected to recover and return to work at some time in the future. See page 32 for a more detailed defi nition. A Terminal Illness payment may be paid if you are diagnosed by a medical practitioner and a specialist in the condition suffered and not expected to survive for more than 12 months. A lump sum payment is paid to your benefi ciaries. This is on top of your super account balance. The amount paid will vary depending on the number of units of Death cover you hold and your age, gender and occupation. A lump sum will be paid to you subject to conditions of release. This payment will be in addition to the balance of your super account and subject to the preservation rules. Monthly payments will be paid directly to your bank account. A lump sum payment will be paid to you. This may be up to 100% of your Death benefi t, less any TPD or interim accident benefi t already paid. Benefi ts are only payable when the relevant insurance cover is held and the claim requirements are met. Unitised or fixed cover Unitised cover is the amount of cover you receive for a fi xed cost. The amount of cover per unit generally decreases as you get older but the amount you pay stays the same. In the case of Fixed cover, the amount of cover nominated stays the same as you get older, but the amount you pay increases each year. For your Death and TPD insurance, you can choose between unitised cover and fi xed cover (not a combination of both). The insurance cover for each type of insurance shown in the following pages (including the Default Cover) is called Unitised cover. Paying for your insurance The Trustee deducts the cost of your insurance cover from your superannuation account so you don t have to worry about monthly payments. If your account does not have suffi cient funds to cover the next month s premiums, your cover will lapse. There are costs associated with insurance cover and these costs will form part of the fees we charge you. The cost of insurance includes the fees paid to the insurance provider and the administrator s costs incurred in insurance administration. The cover and costs stated in this document are indicative only. Who receives your money if you die with a Child Care Super account? Generally, your benefi ciaries receive your account balance plus any insurance cover if you die. There are some rules about who can be your benefi ciary see page 44 for more details. Default Cover Who receives Default Cover? On joining Child Care Super as an employed member, you will automatically receive Default Cover if: you are aged between 15 and 70 you have had a contribution or rollover paid into your account you have suffi cient money in your account to pay for your insurance cover you have not received a TPD benefi t through a superannuation fund or insurance policy at any time previously, and you are not currently claiming or are eligible to claim a TPD benefi t. Please see When will my Default Cover begin? opposite for more details. Default Cover is provided without the need to supply any medical evidence. 22

3 The type and amount of Default Cover you receive will depend on your age. A summary of the type and cost for Default Cover is shown in the following table: Age next birthday (at last 1 July) Cover type Total cost per week units of Death and TPD, PLUS 2 units of Income Protection $2 $ units of Death and TPD, PLUS 4 units of Income Protection $3 $ units of Death and TPD $3 Over 70 No insurance cover N/A Can I apply for extra insurance cover without providing any medical information? Yes. If you are eligible, you may apply for up to four extra units of each kind of default cover on top of the Default Cover already provided to you without providing any medical evidence. To take advantage of this offer let us know by completing Section 3 of the Member Application within six months of joining Child Care Super and sending the form to us. How much cover is provided by Default Cover? Your Default Cover is based on: your age next birthday (at last 1 July), and your occupation. To see how much cover you are entitled to, refer to the table on page 24 for Death and TPD cover and page 32 for Income Protection cover. If, on the date you join Child Care Super, we are not notifi ed of your occupation, you will be placed in the Standard occupation classifi cation. Your occupation classifi cation is important in determining how much cover you have. See page 38 for further information. You can update your current occupation information by completing the Occupational Classifi cation Form available from Member Services or on our website. When will my Default Cover begin? Your Default Cover starts when either a contribution or a rollover is received into your account to pay for your insurance. If you are not in Active Employment on the day your cover commences, you will receive cover for New Events only (that is, in relation to an illness that fi rst becomes apparent, or an injury that fi rst occurs, on or after the date your cover commences) until you, as a member, are in Active Employment for 30 days, after which Full Cover will apply. This is provided you meet the other criteria (e.g. you have suffi cient funds in your account to pay premiums). You are considered to be in Active Employment if you are employed by an employer and in our opinion are capable of performing your identifi able duties without restriction by any illness or injury for at least 35 hours per week (whether or not you are actually working those hours). We will notify you in writing of the commencement date of your Default Cover. You should not cancel any existing insurance arrangements until you have received notifi cation that your Default Cover has started. We recommend you seek fi nancial advice before you cancel any existing insurance arrangements as you may subsequently fi nd it diffi cult to replace this cover without providing satisfactory health evidence. Can I cancel my Default Cover? Yes. You can cancel your Default Cover at any time by completing and returning the Insurance Alteration Form available online at childcaresuper.com.au or from Member Services. If you notify us in writing that you do not want Default Cover within 60 days of your Default Cover commencing we will cancel the cover and refund the costs. 23

4 5. Your insurance options continued Default Death and TPD cover The table below shows the Default Death and TPD cover provided (at a cost of $1 per unit per week). For example, Default Death and TPD cover for a white collar member whose age next birthday is 30, will be $528,906 at a cost of $3 per week. The Trustee will deduct the cost of your Default Cover from your superannuation account monthly in arrears. The amount of cover per unit you ll receive will differ depending on your age and occupational classifi cation (see page 38 for more information about occupational classifi cations). Table 1: Default Death and TPD cover for $1 per unit per week Age next birthday Default Death and TPD cover No. of units (at last 1 July) Professional White Collar Standard , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,978 99, , ,268 91, , ,000 90, , ,000 90, ,684 97,482 69, ,825 87,402 62, ,981 79,884 57, ,446 75,180 53, ,446 75,180 53, ,055 60,396 43, ,124 55,356 39, ,886 50,904 36, ,747 46,536 33, ,093 43,428 31, ,644 39,648 28, ,198 35,868 25, ,752 32,088 22, ,044 28,938 20, ,339 25,788 18, ,700 15,900 12, ,700 15,900 12, ,700 15,900 12, ,700 15,900 12, ,700 15,900 12,000 24

5 Additional Death and TPD cover The table below shows the amount of cover for one unit of Death and TPD cover. You will be charged $1 per week for each additional unit of cover. The cost of your insurance will be deducted from your superannuation account monthly in arrears. The amount of cover per unit you ll receive will differ depending on your age and occupational classifi cation (see page 38 for more information about occupational classifi cations). Table 2: Additional Death & TPD cover for $1 per unit per week Age next birthday Additional Death and TPD cover per unit (at last 1 July) Professional White Collar Standard , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 90, , ,320 83, , ,408 71, ,000 95,200 68, ,353 93,800 67, ,529 93,100 66, ,706 92,400 66, ,647 72,800 52, ,000 71,400 51, ,353 70,000 50, ,706 68,600 49, ,059 67,200 48, ,466 48,846 34, ,501 46,326 33, ,301 42,756 30, ,412 42,000 30, ,412 42,000 30, ,228 32,494 23, ,275 29,134 20, ,327 26,628 19, ,482 25,060 17, ,482 25,060 17, ,685 20,132 14, ,708 18,452 13, ,962 16,968 12, ,249 15,512 11, ,031 14,476 10, ,548 13,216 9, ,066 11,956 8, ,584 10,696 7, ,348 9,646 6, ,113 8,596 6, ,900 5,300 4, ,900 5,300 4, ,900 5,300 4, ,900 5,300 4, ,900 5,300 4,000 25

6 5. Your insurance options continued Additional Death Only cover The table below shows the cover for one unit of Death Only cover. You will be charged $1 per week for each additional unit of cover. The cost of your insurance will be deducted from your superannuation account monthly in arrears. The amount of cover per unit you ll receive will differ depending on your age and occupational classifi cation (see page 38 for more information about occupational classifi cations). Table 3: Death Only cover for $1 per unit per week Age next birthday Death Only cover per unit (at last 1 July) Professional White Collar Standard , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,780 99, , ,170 91, , ,080 83, , ,380 80, ,930 97,140 76, ,550 93,200 73, ,830 88,050 69, ,780 83,500 66, ,700 77,130 60, ,460 70,620 55, ,400 65,160 51, ,990 58,490 46, ,260 52,430 41, ,210 47,890 37, ,320 43,490 34, ,120 39,700 31, ,070 36,070 28, ,710 33,040 26, ,840 30,460 24, ,150 28,040 22, ,790 25,910 20, ,440 23,790 18, ,910 21,520 17, ,380 19,250 15, ,030 17,120 13, ,010 15,310 12, ,490 13,940 11, ,310 12,880 10, ,130 11,820 9, ,120 10,910 8, ,110 10,000 7,900 26

7 Additional Death Only or Death and TPD insurance cover You may apply to increase your cover by purchasing additional units of Death Only or Death and TPD cover up to a maximum of $5 million for Death cover and $3 million for TPD cover at any time. If you currently have Death Only or Death and TPD cover you can apply for (subject to underwriting): Additional Death Only cover (see the table on page 26). You will be charged $1 per week for each additional unit of cover purchased, or Additional Death and TPD cover (see the table on page 25). You will be charged $1 per week for each additional unit of cover purchased. Note: If you apply for Additional Cover, your Default Cover will continue. Additional Death Only or Death and TPD benefi ts are payable in the same circumstances as Default Death and TPD benefi ts (that is, the benefi ts are payable if permitted by the insurance policy, the relevant law and the Trust Deed). For information about the defi nition of TPD see page 30. Who is eligible for Additional Cover? If you currently have cover, Additional Cover of the same type is available up to age 70 for Death Only cover and Death and TPD cover. Please note that different defi nitions of TPD apply under the insurance policy depending on how many hours you work in a week. When will Additional Death Only or Death and TPD cover begin? Additional Cover does not start until your application is assessed and approved by the Insurer. Depending on your medical history, occupation, employment status or hazardous pursuits, your Additional Cover may be accepted, rejected, deferred or have special conditions and rates applied. This may mean that you will have to supply further information and/or undertake some medical tests. Provided the balance in your superannuation account can cover the cost of your cover, your Additional Cover starts on the later of: in the case where cover is accepted by the Insurer at standard premium rates, the date that the Insurer accepts your application, and in the case where cover is accepted by the Insurer at other than standard premium rates or on modifi ed terms and conditions, the date when the Insurer issues confi rmation of your written acceptance of the terms proposed. Child Care Super will notify you in writing of the outcome of your application. Additional information requirements Regardless of the amount of Additional Cover you apply for, you need to complete the Application for Insurance (included at the back of this booklet). To learn more about the medical information required please visit childcaresuper.com.au or call Member Services. The Insurer will cover the costs of any tests. Am I covered while my application is being processed? If you apply for Additional Death Only cover, or Additional Death and TPD cover you will be provided with Death and TPD (if applicable) by Accident Cover (at no cost) from the date the Insurer receives your fully completed Application for Insurance Form. The Death and TPD by Accident Cover is the lesser of the amount of cover you are applying for or $1.5 million. This cover will cease on the earlier of 90 days from the date your Application for Insurance Form is received by the Insurer, or when your application is rejected or accepted. Death and/or TPD by Accident means death and/or total and permanent disablement results due to an injury where the death or disablement occurs within 365 days of the injury occurring. No Death and/or TPD by Accident benefi t is payable if death or total and permanent disablement is directly or indirectly caused by any intentional self-infl icted injury or any attempt to commit suicide, whether or not you were sane at the time and where the injury is directly or indirectly caused by war outside Australia. 27

8 5. Your insurance options continued How to calculate your cover Death and TPD cover Below is an example and worksheet to help you calculate your insurance cover costs: Example Your details Age next birthday 36 Occupation classification (see page 38) Death & TPD cover per unit for your age (see page 25) White collar $100,408 Total cover required $500,000 Required cover / cover per unit $500,000 / $100,408 Total number of units required 5 Number of Default Cover units already held 3 Number of Additional Cover units required 2 Weekly cost of Default Cover 3 units x $1 = $3 Weekly cost of Additional Cover 2 units x $1 = $2 TOTAL COST Death Only cover $5 per week for $502,040 of Death & TPD cover Below is an example and worksheet to help you calculate your insurance cover costs: Example Your details Age next birthday 50 Occupation classification (see page 38) Death Only cover per unit for your age (see page 26) White collar $65,160 Total cover required $450,000 Required cover / cover per unit $450,000 / $65,160 Total number of units required 7 Number of Default Cover units already held 3 Number of Additional Cover required 4 Weekly cost of Default Cover 3 units x $1 = $3 Weekly cost of Additional Cover 4 units x $1 = $4 TOTAL COST How much does fixed cover cost? $7 per week for $456,120 of Death Only cover The amount of insurance cover you have does not generally change; however, your insurance premium will increase as you get older. Please note that for members aged 61 or more, tapering on the TPD insured amount applies. After you turn 61, your TPD benefi t will reduce on 1 July each year in accordance with the table below. Age next birthday (at last 1 July) Percentage of TPD cover held Age next birthday (at last 1 July) Percentage of TPD cover held % 66 50% 62 90% 67 40% 63 80% 68 30% 64 70% 69 20% 65 60% 70 10% All cover will cease on your 70th birthday. 28

9 Fixed cover The table below shows the annual insurance cost per $1,000 sum insured for a white collar worker. The cost of your cover will differ depending on your age, gender and occupational classifi cation (see page 38 for more information about occupational classifi cations). If you choose Fixed cover, the amount of cover you nominate stays the same as you get older; however the amount you pay will increase over time. Age next birthday Males Females (at last 1 July) Death TPD Death & TPD Death TPD Death & TPD

10 5. Your insurance options continued Life Events top-up Insured members can apply for one unit of Additional Death and TPD cover without the need to supply any medical evidence if one of the following Life Events occurs: Your marriage Your divorce Birth or adoption of your child Your child is turning 12 years of age Enrolment of your child in private education, or You take out a mortgage on your fi rst home. This is subject to a maximum of one increase in any 12 month period with a maximum of four increases over the lifetime of a member. To be eligible for a Life Event top-up, members must be under age 55, have not made a claim or be eligible to make a claim (with any insurer) at the time of applying for this top-up, provide relevant documentary proof of the event within 60 days of the event occurring and be in Active Employment. Should you not be in Active Employment on the day the Insurer receives your application to increase cover, New Events cover will apply to the amount of the increase in cover until you return to Active Employment for 30 consecutive days. Members must have cover on standard terms with no exclusions and have not been declined for cover previously. To apply for a Life Events top-up please complete the Insurance Alteration Form available from Member Services or at childcaresuper.com.au. The following exclusions apply: 13 month suicide exclusion from the date your extra cover is approved, and For TPD cover, a 13 month exclusion relating to self-infl icted injuries from the date your extra cover is approved. When are TPD benefits payable? TPD benefi ts are payable if you meet the defi nition of Total and Permanent Disablement in the insurance policy and the Trustee is also satisfi ed that payment is consistent with the requirements of the Trust Deed and relevant law. A summary of the defi nition of Total and Permanent Disablement contained in the insurance policy is shown opposite (you can request a copy of the insurance policy for more detailed information about the defi nition of Total and Permanent Disablement). Different defi nitions of TPD apply depending on your age and the number of hours you work prior to claiming. Assessment of a TPD claim is subject to you having been off work for a period of three consecutive months due to a sickness or injury. * If you can perform the activity by using special equipment, you will be considered able to undertake that activity. ** Domestic Duties mean duties normally performed by a person who remains at home who is not working in regular employment for income; these duties include cleaning the home, laundry, shopping for food, cooking meals, and, where applicable, looking after a Dependant. TPD definition You will be eligible for a Total and Permanent Disablement benefi t if: 1. You are under age 65 and have been employed in permanent occupation for at least 15 hours per week within the 6 months prior to your date of disablement, or have been on employer approved leave for less than 24 months, and: you have been absent from your occupation with your employer through Injury or Illness for 3 consecutive months; and you have provided proof to our satisfaction, that you are incapacitated to such an extent that you are unlikely ever to engage in work for reward in any occupation or work for which you are reasonably qualifi ed by education, training or experience. 2. You are aged 65 or older, or have not been employed in permanent employment for at least 15 hours per week within the last 6 months prior to the date of disablement, or you are not employed, or have been on employer approved leave for 24 months or more and: you have been absent from your occupation with your employer through Injury or Illness for 3 consecutive months, or you are suffering the permanent loss of use of 2 limbs or the sight of both eyes or the loss of use of one limb and the sight of one eye (where limb is defi ned as the whole hand or the whole foot); or you have provided satisfactory proof that, through Illness or Injury, you are permanently unable to perform two (2) of the following six (6) basic activities of everyday living*: - Bathing to shower or bathe; - Dressing to dress or undress; - Toileting to use the toilet including getting on and off; - Feeding to eat and drink; - Mobility to get out of a bed or a chair or a wheelchair; or - Continence to control bladder or bowel function; or you have provided proof to our satisfaction that, through Illness or Injury, you are suffering from the permanent deterioration or loss of intellectual capacity that has required you to be under continuous care and supervision by another adult person for 3 consecutive months and this care is likely to be on a permanent daily basis; and you have provided proof to our satisfaction that you are incapacitated to such an extent that you are unlikely ever to engage in or work for reward in any occupation or work for which you are reasonably qualifi ed by education, training or experience. 3. You are engaged in full time unpaid Domestic Duties in your own residence and: you are suffering the permanent loss of use of 2 limbs or the sight of both eyes or the loss of use of one limb and the sight of one eye (where limb is defi ned as the whole hand or the whole foot); or you, through Illness or Injury, are under the care of a medical practitioner and are unable to perform your normal domestic duties**, or leave your residence unaided or engage in or work for reward in any occupation or work for 3 consecutive months and you have provided proof to our satisfaction, that you are incapacitated to such an extent that you are unlikely ever to be able to perform your normal domestic duties or engage in work for reward in any occupation or work for which you are reasonably qualifi ed by education, training or experience. 30

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