ENERGY SUPER CORPORATE INSURANCE GUIDE. Prepared and issued 1 July 2015

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1 ENERGY SUPER CORPORATE INSURANCE GUIDE Prepared and issued 1 July 2015

2 CONTENTS Insurance Overview Death & Total and Permanent Disablement cover Income Protection cover Other insurance information Definitions ABOUT THIS ENERGY SUPER CORPORATE INSURANCE GUIDE The information in this document forms part of the following Energy Super Product Disclosure Statements (PDSs), each issued by Electricity Supply Industry Superannuation (Qld) Ltd (ABN AFSL ) (the Trustee) as the Trustee for Energy Super (ABN ) (the Fund): Energy Super Corporate Member Guide CS Energy (CS Callide Valley) PDS issued 1 July 2015 Energy Super Corporate Member Guide CS Energy (excluding Callide Valley) PDS issued 1 July 2015 Energy Super Corporate Member Guide Energex PDS issued 1 July 2015 Energy Super Corporate Member Guide Ergon Energy PDS issued 1 July 2015 Energy Super Corporate Member Guide ERM Power PDS issued 1 July 2015 Energy Super Corporate Member Guide ESI Financial Services PDS issued 1 July 2015 Energy Super Corporate Member Guide J & P Richardson PDS issued 1 July 2015 Energy Super Corporate Member Guide Millmerran Power PDS issued 1 July 2015 Energy Super Corporate Member Guide Newcrest Services PDS issued 1 July 2015 Energy Super Corporate Member Guide Powerlink PDS issued 1 July 2015 Energy Super Corporate Member Guide SPARQ PDS issued 1 July 2015 Energy Super Corporate Member Guide Stanwell PDS issued 1 July 2015 If you would like a copy of the PDS relevant to you, or this document, please contact Energy Super on ENERGY ( ). This information will be provided at no cost This Energy Super Corporate Insurance Guide describes the features and benefits of the insurance cover provided to new Energy Super members joining the Fund under a corporate agreement arranged by their employer. It will help you decide whether the available cover will meet your needs and might also help you compare our cover with other products you are considering. This Energy Super Corporate Insurance Guide is not relevant to members joining the Fund through an employer who does not have a corporate agreement with Energy Super or via Public Offer or Defined Benefit members. This Energy Super Corporate Insurance Guide has been prepared for general information only. It does not take into account your financial objectives, financial situation or needs. Any statements of law or proposals are based on our interpretation of the law or proposals as at the date this Energy Super Corporate Insurance Guide was issued. If you require specific advice, we recommend that you seek qualified professional advice. Energy Super has a team of financial advisers who can provide members with professional financial advice services. Energy Super s advice is provided by ESI Financial Services Pty Ltd (ESI FS) (ABN , AFSL ), a wholly owned subsidiary of Energy Super. If there are any inconsistencies between the terms of the Energy Super Trust Deed or the Insurance Policy and this Energy Super Corporate Insurance Guide, the terms of the Trust Deed and Insurance Policy prevail. To obtain a copy of the Energy Super Trust Deed or Insurance Policy please call us on ENERGY ( ). The information in this Energy Super Corporate Insurance Guide is up-to-date at the date it is issued. Some of the information in this document can change from time-to-time and may not be up-to-date at the time you receive it. If a change is not materially adverse, we may not update this Energy Super Corporate Insurance Guide. Updated and new information will be published on our website. If you would like more information about Energy Super please contact us. We will provide you the information you reasonably require to make an informed assessment of the management, financial condition and investment performance of Energy Super. If you have any questions about being a member of Energy Super, you can contact us from 8.30am to 5pm Monday to Friday (excluding National holidays). SUPERRATINGS PLATINUM SUPER 2015 SUPERRATINGS PLATINUM MYSUPER YR PLATINUM PERFORMANCE Ratings provided by SuperRatings Pty Ltd (ABN , AFSL ) and Rainmaker Information Pty Ltd (ABN ). Ratings are only one factor to be considered when making investment decisions. Refer to energysuper.com.au/ratings for information about the rating and the rating scale.

3 INSURANCE OVERVIEW Energy Super s insurance arrangements are a convenient low cost solution for your personal insurance needs. Having the right level of personal insurance cover is an important part of your overall superannuation strategy. It is essential that you periodically review how much cover you have to ensure it is enough to meet your needs. Need help with your insurance cover? Our single issue advice service can give members personal advice over the phone at no additional cost to you. Simply call us on ENERGY ( ) or visit our website at energysuper.com.au to schedule an appointment with an adviser. Types of insurance cover automatically available through Energy Super are: Death & Total and Permanent Disablement (TPD) Death Only Income Protection (IP). DEATH & TOTAL AND PERMANENT DISABLEMENT COVER Death & TPD cover is a valuable benefit should you die or become totally and permanently disabled through injury or Illness. With Energy Super s Death & TPD insurance you have the flexibility to choose the cover that best suits your needs. You can choose units of insurance cover or a fixed-dollar amount of insurance cover. Furthermore, if you are transferring your super from another fund where you had Death Only or Death & TPD cover, you may even be able to transfer the same level of insurance cover to us without having to provide evidence of your good health. See page 6 for details. The insurance cover you are initially eligible to receive automatically is determined by who you are Employed by upon joining Energy Super. INSURANCE FEATURES Automatic Cover If eligible, you will receive either: Automatic Acceptance Limit (AAL) if you re eligible for insurance under AAL conditions you are not required to provide evidence of your good health. Optional/ Additional Cover Paying for insurance cover Transferring cover the default age-based number of units with an automatic life-stage increases feature. See page 2 for details; or a set number of units of Automatic Cover nominated by your employer. If applicable, refer to your Energy Super Corporate Member Guide for information about the Automatic Cover that is applicable to you. AAL means you can get the Automatic Cover (explained above) for Death & TPD. If you join Energy Super within 120 days of joining your employer, you will receive automatic Death & TPD cover with an automatic life-stage increase feature, subject to being Actively At Work. If you are less than age 65 when joining Energy Super, you may apply for even more cover than the default without having to provide evidence of your good health (up to 10 units in total) when you apply within 60 days of joining Energy Super. You can apply for additional insurance of up to $10 million for Death or $3 million for TPD by completing a Change of Insurance Form. You may need to complete a Personal Statement and undergo medical tests in some circumstances. If you choose fixed-dollar cover, the fixed-dollar cover will replace any units of Death & TPD cover you may have. The cost of your Death & TPD insurance cover is charged weekly and deducted from your Energy Super account monthly. Some employers have agreed to pay for a fixed number of Death & TPD units of cover and make additional contributions to your Energy Super account to cover the cost of these units. See your Energy Super Corporate Member Guide for details if applicable. If you are rolling over your super from another fund, where you also have insurance arrangements, you may be able to transfer the same level of cover under takeover terms in Energy Super. For more information see Transferring your cover from another super fund on page 6. IBR Energy Super Corporate Insurance Guide energysuper.com.au I 1

4 DEATH & TOTAL AND PERMANENT DISABLEMENT COVER UNIT-BASED COVER Age next birthday Units of cover Features: insurance cover is based on multiples of units; the benefit amount of each unit reduces with age; and the cost per unit remains the same. Automatic life-stage increases in cover The life-stage increases feature will automatically increase your units of cover by 1 unit when you move from one age bracket to another. The cost of your insurance will also automatically increase in line with the number of units. For example, if you select the life-stage increases feature only (i.e. you do not select any additional units of cover), your units of cover will automatically increase from 2 to 3 units when you turn 29 years of age. To age to to to to 70 5 This means that the amount of cover you have will automatically increase at a time when you are most likely to need it due to work, debts and family commitments. The maximum cover obtained under the life-stage increases feature is when your age next birthday is 35, i.e. your Death & TPD cover is equal to $332,000. Cover begins to consistently reduce when your age next birthday is 40. This is demonstrated visually in the graph below. Life - stage - stage increases increases feature feature $350,000 $300,000 $250,000 otal cover ($) $200,000 Total cover ($) $150,000 $100,000 $50,000 $ Age next birthday Age next birthday 2 I energysuper.com.au Energy Super Corporate Insurance Guide IBR

5 How to calculate your unit-based cover Your insurance cover = number of units purchased x amount of cover per unit for your age next birthday Gross amount of cover per unit Age next birthday Death & TPD ($) Death Only ($) Age next birthday Death & TPD ($) Death Only ($) Age next birthday Death & TPD ($) Up to ,600 48, ,800 28, ,400 13, ,400 47, ,000 27, ,800 12, ,400 46, ,300 26, ,300 11, ,300 46, ,000 24, ,000 11, ,300 46, ,200 23, ,400 10, ,000 43, ,600 22, ,200 9, ,400 42, ,300 21, ,000 8, ,700 41, ,100 20, ,700 8, ,400 39, ,300 19, ,400 4, ,800 37, ,700 17, ,100 3, ,400 35, ,300 17, ,000 2, ,400 33, ,000 16, ,900 1, ,000 32, ,000 15, ,700 1, ,200 30, ,300 14,300 Death Only ($) Please note: The above amounts are not relevant to members Employed by CS Energy. CS Energy members should refer to their Energy Super Corporate Member Guide. Please note: Cover levels are gross of tax (if applicable). See the How My Super Is Taxed Guide for information about tax on Death benefits. FIXED-DOLLAR COVER Age next birthday % of fixed cover While unit-based cover is the default offered by Energy Super, you can also apply for fixed-dollar cover by completing a Change of Insurance Form. This form is available online at energysuper.com.au Features: insurance is based on a fixed-dollar amount of cover nominated by you; the cost increases annually with your age; the benefit amount remains the same; and fixed cover replaces any unit-based cover you may have. With fixed-dollar cover you choose the amount of Death Only or Death & TPD insurance cover you require and the cost is calculated based on your age next birthday and your level of cover. The fixed-dollar cover tables (see page 5) disclose the annual cost of each $1,000 of cover. How to calculate fixed-dollar cover If you select fixed-dollar cover, the dollar amount of Death & TPD cover that you apply for will remain the same over time until you reach age % 63 80% 64 70% 65 60% 66 50% 67 40% 68 30% 69 20% 70 10% ELIGIBILITY FOR COVER All members of Energy Super under age 70 can apply for Death & TPD cover. However, the definition of TPD is applied differently depending on whether cover commenced before or after 1 July 2014, your age, employment status and the number of hours you were working in the six month period prior to you becoming disabled (see Qualifying for a TPD benefit on page 6). Please note: If you are age 65 or more and join the Fund through an Energy Super employer, you can get automatic insurance that applies to your employer; otherwise your insurance will be subject to the Insurer approving your application. Contact Energy Super for more information. Your fixed-dollar cover for TPD will reduce proportionally from age 61 through to age 70, when cover stops. Your fixed-dollar cover for Death will not be affected by this and will not reduce. The age based tapering that applies to fixed-cover for TPD is shown as a percentage of your insured amount in the following table: IBR Energy Super Corporate Insurance Guide energysuper.com.au I 3

6 DEATH & TOTAL AND PERMANENT DISABLEMENT COVER MAXIMUM AMOUNT OF COVER You can apply for additional cover at any time (unit-based or fixed-dollar) up to the maximum benefit limits of $10 million for Death and $3 million for TPD by completing a Change of Insurance Form. You should note, however, that you may need to complete a Personal Statement and undergo medical tests in some circumstances. WHEN YOUR COVER STARTS Your Automatic Cover or cover up to the Automatic Acceptance Limit (AAL) starts on the first day of your employment, provided you are At Work on that day (see At Work on page 16). If you join Energy Super within 120 days of joining your employer but are not At Work on your first day of employment, Limited Cover will apply (see Limited Cover on page 16). You will need to be At Work for 30 consecutive days before your full cover applies. If you do not join Energy Super within 120 days of joining your employer you do not receive Automatic Cover but can apply for cover if you wish. Any optional or additional cover you take out, above the AAL, will commence on the day the Insurer accepts your application in writing. Interim accident cover While your application for Optional/Additional Cover cover is being assessed, you will be provided with interim accident cover for the amount of additional cover you applied for, subject to a maximum amount of $1.5 million. Some conditions apply. Where interim accident cover applies, a benefit will only be payable where total and permanent disablement or death is caused by an Accident (as opposed to Illness or other disability). For the definition of Accident see page 16. Interim accident cover starts from the date your application for Optional/Additional Cover is received by the Fund. THE COST OF COVER The cost of your Death & TPD insurance cover depends on the amount of cover you choose and whether it is unit-based or fixed-dollar cover. You may be eligible for a discounted rate for your insurance if your occupation is within the definition of White Collar/ Professional (the discount applies to both the unit-based and fixed-dollar cover). (See page 17 for the definition of White Collar/Professional ). The cost of your insurance will be deducted monthly in arrears from your Energy Super account. The benefit of any tax deduction available to the Fund for insurance costs deducted from your account is rebated to your account. This refund is currently 15% of the gross insurance cost. If applicable, the refund will show on your Annual Statement as Contributions tax refund (Insurance). Unit-based cover Death & TPD Standard gross cost: $0.99 per unit per week Discounted gross cost: $0.80 per unit per week (if applicable) Death Only Standard gross cost: $0.65 per unit per week Discounted gross cost: $0.52 per unit per week (if applicable) Please note: These unit-based cover costs are not relevant to members Employed by CS Energy. These members should refer to the Energy Super Corporate Member Guide PDS - CS Energy. Interim accident cover will expire on the earliest of the following: 90 days after the commencement of the interim accident cover; the date your application for insurance is accepted or declined; the date you cancel or withdraw your application for insurance; or the date you are no longer eligible for insurance cover with Energy Super. No interim accident benefit will be payable for: injury caused by engaging in hazardous pastimes or sports that would not be covered under the Insurer s normal assessment guidelines; or injury occurring prior to the date you became eligible for cover. 4 I energysuper.com.au Energy Super Corporate Insurance Guide IBR

7 Fixed-dollar cover Standard gross cost (annual cost per $1,000 sum insured) # Age next birthday Death & TPD ($) Death Only ($) Up to Discounted gross cost* (annual cost per $1,000 sum insured) # Age next birthday Death & TPD ($) Death Only ($) Up to *You may be eligible for a discounted rate for your insurance if your occupation is within the definition of White Collar/Professional. See page 17 for definition. # A tax refund of 15% of the gross insurance costs is credited to accounts and reduces the effective cost of insurance. IBR Energy Super Corporate Insurance Guide energysuper.com.au I 5

8 DEATH & TOTAL AND PERMANENT DISABLEMENT COVER INCREASING, REDUCING OR CANCELLING COVER You can apply to increase your Death & TPD cover at any time by completing a Change of Insurance Form. However, if you apply to increase your cover it must be within the maximum allowable limits (see Maximum amount of cover on page 4). Your increased cover will not commence until your application has been accepted by the Insurer. You can decline to acquire, reduce or cancel your cover at any time by completing a Change of Insurance Form, which can be found on our website - energysuper.com.au. You can also cancel your cover over the phone by contacting us on ENERGY ( ). However, if at a later date you want to reinstate or increase your cover, you will need to complete a Change of Insurance Form and may need to undergo medical tests as required by the Insurer. If you had TPD cover before 1 July 2014 and cancel then re-apply for cover, your TPD cover will be subject to the Any occupation definition. See the Qualifying for a TPD benefit section for more information. Please note: You may be required to have insurance cover under an enterprise bargaining agreement which is applicable to your workplace. You should investigate this with your employer prior to cancelling or reducing your cover. Your employer may also pay for the cost of your current default insurance cover. Life changing events If you experience a life changing event such as: getting married taking out your first mortgage the birth or adoption of a child; or getting a divorce you are able to increase your Death & TPD cover by up to 2 units, or the equivalent amount of fixed-dollar cover, for each event (up to a maximum of 4 units in total) without having to provide any further health evidence to the Insurer as long as you are At Work on the date of your application. You must provide evidence of the event to the Insurer within 90 days of the event occurring. Proof of the event must be accepted by the Insurer before your cover is increased. Rewarding loyalty Once you have been a member of Energy Super for 10 years continuously, you may be eligible to receive additional Death & TPD insurance cover, without having to provide any further evidence of health. You will need to apply to the Insurer for the cover within 90 days of the event occurring or within 90 days of receiving your Annual Statement or Record of Contributions, whichever occurs first, following your 10 year anniversary. If at the time of application you have fixed-dollar cover, you will receive the equivalent of up to 2 additional units of cover as at your current age. Increasing your cover under life changing events or rewarding loyalty is subject to a maximum of four (4) additional units in total and is subject to maximum benefit limits (see Maximum amount of cover on page 4). For example, if you apply for 2 units when you get married then another 2 units when you reach your 10 year anniversary of Energy Super membership, you are unable to apply for any further cover under life changing events or rewarding loyalty. TRANSFERRING YOUR COVER FROM ANOTHER SUPER FUND If you are rolling over your super from another fund, where you also have Death & TPD insurance cover, you may be able to transfer that cover under takeover terms to Energy Super. This means you can keep the same amount of cover (subject to the maximum allowable limits of $10 million for Death cover and $3 million for TPD cover) without having to complete questionnaires and undergo medical tests. Before Energy Super can set up cover in this way, you will need to provide the Fund with written evidence from your previous fund of the amount of cover provided including any restrictions, additional premium loadings or exclusions applied. Unless agreed otherwise, those same terms will continue to apply to the transferred portion of your insurance cover with Energy Super. Before applying to transfer cover, you should note that: you must be At Work (see page 16) on the date you apply to Energy Super to transfer your cover from your previous fund; once cover has been approved with Energy Super, the equivalent amount of cover must be immediately cancelled with your previous fund; once cover has been transferred to Energy Super, if you wish to apply for further increases in cover you will need to complete a Change of Insurance Form; and if your application is accepted, your cover will commence on the date the Insurer accepts your application in writing. Your current and transferred cover will be on the basis of fixeddollar and the cost for this cover will be based on the age rates set out on pages 5. If you wish to take up this option, please complete an Insurance Transfer Form which can be found on our website - energysuper.com.au QUALIFYING FOR A TPD BENEFIT There is a different definition of TPD depending on whether your TPD cover commenced before or after 1 July Cover commenced on or after 1 July 2014 For example, if you joined Energy Super in June 2011, and have been a member continuously since then, you will be eligible to apply to Energy Super to receive this additional cover from June If at the time of application you have unit-based insurance cover, you can apply for up to an additional 2 units, or the equivalent amount of fixed-dollar Death & TPD insurance cover. Limits on increases for life changing events and rewarding loyalty If your life changing events or rewarding loyalty application is accepted by the Insurer, your increased cover will only commence from the date of the Insurer s written acceptance, and will be subject to the same acceptance terms as your previous cover, including any premium loadings or exclusions. If your TPD cover commenced on or after 1 July 2014, the following definition of TPD applies: Any occupation definition You have been absent from your occupation solely through injury or Illness for a period of six consecutive months and are incapacitated to such an extent that, in the Insurer and Trustee s opinion, after consideration of medical and other relevant evidence, you were, at the end of the period of six consecutive months absence from employment, unlikely to ever engage in or work for reward in any occupation for which you are reasonably suited by education, training or experience. 6 I energysuper.com.au Energy Super Corporate Insurance Guide IBR

9 Cover commenced before 1 July 2014 If your TPD cover commenced prior to 1 July 2014, the definition of TPD is made up of four parts A, B, C and D (see below). The part that will apply to you will depend on your age and the hours you worked in the six month period prior to you becoming disabled, as follows: If at the time of becoming TPD you are: Parts* A B C D Less than age 65 and Employed for at least 15 n/a hours per week. Less than age 65 and Employed for less than 15 hours per week or your n/a occupation is classified as Home Duties. Aged 65 years or more n/a n/a * You may be declared TPD if you meet any of the four parts of the definition that applies to your circumstances. PART A: Own / similar occupation definition You have been absent from your occupation solely through injury or Illness for a period of three consecutive months and are incapacitated to such an extent that, in the Insurer and Trustee s opinion, after consideration of medical and other relevant evidence, you were, at the end of the period of three consecutive months absence from employment, unlikely to ever engage in or work for reward in your own occupation and any similar occupation for which you are reasonably suited by education, training or experience. PART B: Specific loss You suffer the permanent loss of use of two limbs or the sight of both eyes; or the permanent loss of use of one limb and the sight of one eye (where limb is defined as whole hand or the whole foot) in circumstances where the loss will never be regained. PART C: Activities of daily living You are incapacitated to such an extent that, in the Insurer and Trustee s opinion, after consideration of medical and other relevant evidence, you are unlikely to ever be able to perform at least two activities of daily living without the physical help of someone else. For the purpose of this definition, activities of daily living means: bathing and/or showering; or dressing; or moving from place-to-place including in and out of bed and in and out of a chair; or eating or drinking; or using the toilet. PART D: Home Duties Where your occupation is classified as home duties, you have been absent from your occupation solely through injury or Illness for a period of six consecutive months and you are incapacitated to such an extent that, in the Insurer and Trustee s opinion, after consideration of medical and other relevant evidence you were, at the end of the period of six consecutive months absence from employment, unlikely to ever again attend to at least two normal physical domestic household duties. For the purpose of this definition, normal physical domestic household duties means: cleaning the family home; or shopping for food and household items; or meal preparation and laundry services; or leaving the house without the assistance of another person; or looking after dependent child/children under 16 years of age or in full-time secondary education, where applicable; or providing full time care for a disabled person(s) who is a member of your immediate family, where applicable. If you are able to perform the normal physical domestic household duties with the assistance of another person or with the use of assistive devices, you are deemed to be able to perform these duties. You must be under the regular care and attention and following the advice of a doctor for that injury or Illness. Evidence that you carried out the duties on a daily basis prior to your period of disability will be required. If you have TPD cover with another super fund that has an Own/similar occupation, Specific loss, Activities of daily living or Home Duties TPD definition, and wish to transfer that cover to Energy Super after 1 July 2014, you may be able to continue to have access to the that definition subject to approval by the Insurer. See the Transferring your cover from another super fund section on page 6 for more information. The four part definition continues to apply as long as your cover continues and is not affected if you increase or reduce your cover. However, if your cover is cancelled and recommences, the new Any occupation definition applies. Amount of benefit The TPD benefit is calculated as at the date of claim. The date of claim for a TPD benefit is the date last worked immediately prior to the disablement or if you are not working the date you are declared disabled by two medical practitioners. The benefit you receive will include any insurance cover held at this date. TERMINAL ILLNESS Under certain circumstances a member may be declared terminally ill. If this was to apply to you, you will not have to serve any Waiting Period to become eligible to receive a Terminal Illness benefit. The definition of terminal illness is: you suffer from an Illness which in the Insurer s opinion, after consideration of medical evidence, would reasonably be expected to reduce your life expectancy to less than 12 months; you provide two medical practitioner s certificates which certify that you are suffering from an Illness that is likely to result in your death within 12 months and at least one of the registered medical practitioners is a specialist practicing in an area related to your Illness ; and for each of the certificates, the certification period has not ended. The reduced life expectancy must occur while you are covered and a Terminal Illness benefit replaces a Death benefit. IBR Energy Super Corporate Insurance Guide energysuper.com.au I 7

10 DEATH & TOTAL AND PERMANENT DISABLEMENT COVER Amount of benefit The Terminal Illness benefit is calculated as at the date of claim. The date of claim for a Terminal Illness benefit is the date we receive medical information supporting that life expectancy is reduced to less than 12 months. The benefit you receive will include any insurance cover held at this date. The maximum benefit payable on being diagnosed as terminally ill is $3 million. If your death cover is higher than $3 million, the benefit paid on your death will be reduced by the amount of the Terminal Illness benefit already paid. To be eligible to access your money you must meet the terminal illness condition of release as outlined in the Getting my super Guide. OVERSEAS RESIDENCE AND TRAVEL Death & TPD cover applies 24 hours a day, 7 days a week, on a worldwide basis for Australian Residents. See page 16 for the definition of Australian Resident. WHEN YOUR COVER ENDS Your Death & TPD cover with Energy Super will end on the earliest of the following: 60 days from the date your account balance is insufficient to cover the cost of the insurance premium; 60 days from the date you are no longer eligible for insurance cover, or are no longer a member of Energy Super; the date you exercise a continuation option (see below); the date you reach age 70; the date you die; the date you are paid a Death or TPD benefit; the date you are paid a Terminal Illness benefit that is not less than your Death and/or TPD benefit; the day before you commence service in the armed forces (other than the Australian Army Reserve) of any country; the date you cancel your insurance cover; and when cover for every member ceases under the group insurance policy because the insurance policy is cancelled. Please note: If you cease working with an employer but remain an Energy Super member, your Death & TPD cover continues until you meet one of the above criteria. The cost of this cover is deducted from your account. You can cancel or reduce your cover by contacting Energy Super. Please note: If you had TPD cover before 1 July 2014 that has ceased and you re-apply for cover, your TPD cover will be subject to the Any occupation definition. See the Qualifying for a TPD benefit section for more information. CONTINUATION OPTION If you cease employment with your employer and leave Energy Super, you can apply to continue your insurance under an individual policy with the Fund s Insurer. You must be under age 60 and submit the application within 60 days of ceasing employment. You will be applying for an individual policy under retail conditions, which is guaranteed to be renewed annually. The continuation option applies only when your previous cover in Energy Super ceases. The following conditions apply: Your cover must have ceased as a consequence of you ceasing employment with your employer and not for reasons of ill health. Continuation of cover is not available where you leave Energy Super and there is no change in your employment; For TPD insurance you must commence full-time employment within 90 days of ceasing employment; You have not ceased to be an insured member because of duty in the armed forces (not including the Australian Army Reserve); The benefit will be no more than your insurance cover under Energy Super. Any special terms and conditions applying to your cover under Energy Super, including premium loadings or exclusions, will also apply under the individual policy; The cover will be provided on the terms, conditions and rates that are current for this type of insurance at the time, and must satisfy the Insurer s underwriting criteria in relation to occupation, pastimes, smoking status and residency status; The individual policy premium will be subject to the Insurer s normal minimum premium; You must not have received, nor be eligible to receive, any TPD payments (under a group life policy) or similar payments under any other policy; You must be a permanent resident of Australia. The Insurer may decline to provide cover under the continuation option where the Insurer has no retail product available to cover the occupational risk. The cost of your insurance will be based on the Insurer s standard pricing for similar policies that applies at the time of your application taking into account your age, sex, occupation and other matters. If you wish to apply for a continuation option contact us on ENERGY ( ). MAKING A CLAIM You should notify us as soon as is reasonably practical if you think you may be eligible to make a claim. You should not leave this decision for too long. If your claim is submitted more than one year after the event giving rise to the claim, and the delay prejudices the Insurer s ability to assess the claim, it may cause the Insurer to decline or reduce the amount it will pay in respect of your claim. If you have been off work for more than six months and you are unlikely to recover from your disability, or if you have been diagnosed with a terminal illness, you should discuss this with your doctor, your employer and Energy Super. To find out more about making a claim, call us on ENERGY ( ). 8 I energysuper.com.au Energy Super Corporate Insurance Guide IBR

11 INCOME PROTECTION COVER IF YOU LEAVE ENERGY SUPER Your insurance cover will stop when you leave the Fund. However, the Insurer may consider your claim if: you die within 60 days of leaving Energy Super; or you become totally and permanently disabled within 60 days of leaving the Fund and you were previously eligible for a TPD benefit under the policy. Energy Super s Income Protection (IP) insurance means if you are unable to work temporarily because of a disability, you can still have a fortnightly Income for up to two years and then until you reach age 65 if you choose - subject to meeting the eligibility requirements of the insurance policy. Energy Super has arranged your IP through a group policy which means you pay for your chosen level of cover at rates that are competitive and generally less than if you had taken out the same level of cover independently. The cover is split into two types: Standard Income Protection cover (2 year benefit); and Extended Income Protection cover (to age 65 benefit). ELIGIBILITY FOR COVER If you join Energy Super within 120 days of joining your Energy Super Employer, you will receive automatic Standard IP cover. Your cover starts on the first day of your employment, provided you are At Work on that day. If you are not At Work on your first day of employment you will need to be at work for 30 consecutive days before full cover applies. For any additional cover you take out, cover will commence on the day we accept your application and will be subject to the Pre-existing Sickness /Condition exclusion. If you elect to have contributions paid to another superannuation fund when joining your employer and then apply to join Energy Super, any cover shall be subject to the Preexisting Sickness /Condition exclusion. You will need to apply for Extended IP cover if you wish to access this benefit. INSURANCE FEATURES Waiting Period PAYMENT PERIODS You have the option to select a 30, 60 or 90 day Waiting Period. If you do not make a choice, the default Waiting Period nominated by your employer is 90 days. For more information see Waiting periods on page 10. IP to age 65 You can extend the payment period of your IP benefit beyond 2 years. You can apply for this option on your Member Application Form and a Personal Statement is required. Your Standard IP benefit payment period is generally up to two years and commences after your Waiting Period (30, 60 or 90 days) has expired. If you also select and pay for the option to extend your insurance cover to age 65 your benefit payments will generally further continue until you reach age 65. The maximum period that your IP benefits will be paid depends on your age. WHEN YOUR COVER STARTS - STANDARD IP Where you join through your employer, your automatic Standard IP cover starts on the day you start work if: you do not elect to join another fund; and a contribution is made for you within 120 days of starting work, provided you are Actively At Work on the day you start work. If you join the Fund within 120 days of joining your Energy Super Employer but are not At Work on your first day of employment you will need to be At Work for 30 consecutive days before your full cover applies. If you do not join the Fund within 120 days of joining your Energy Super employer you will not receive Automatic cover but can apply for cover if you wish and the Pre-existing Sickness/Condition exclusion will apply. Automatic Cover Optional/ Additional Cover If eligible, you will receive either: a set number of units of Automatic Cover nominated by your employer; or IP cover via an external insurance provider and administered by your employer directly. In this case, the information relating to IP cover in this Energy Super Corporate Insurance Guide does not apply to you. Refer to your Energy Super Corporate Member Guide for information about the Automatic Cover that is applicable to you. You can apply for additional Standard IP cover up to the maximum benefit level (see below left) if you are Actively At Work. Any additional cover you take out above the Automatic Cover amount will commence on the day Energy Super accepts your application. Any cover above the Automatic Cover amount shall be subject to the Pre-existing Sickness /Condition exclusion. For more information see Maximum amount of cover - Standard IP on page 10. If you choose another super fund when you start work with your Energy Super Employer, then decide to join Energy Super at a later date, you will need to complete the Member Application Form to apply for cover. Pre-existing Sickness /Conditions conditions will apply. Maximum benefit period (if you have Standard IP cover) Age attained Benefit period 64 and under 2 years or until you turn 65, whichever happens first 65 and over (if you are not on claim when you turn 65) On claim when you turn weeks (for sickness benefit) or 52 weeks (for injury benefit) or until you turn 70, whichever happens first An additional 12 weeks (for sickness benefit) or 52 weeks (for injury benefit) to a maximum of 2 years total benefit period Maximum benefit period (if you have extended your cover to age 65) Age attained Benefit period 64 and under To age 65 Payments may cease before the maximum benefit periods in certain circumstances. Please refer to the Income Protection payments section on page 11 for more information. IBR Energy Super Corporate Insurance Guide energysuper.com.au I 9

12 INCOME PROTECTION COVER WAITING PERIODS You have the option to select a 30, 60 or 90 day Waiting Period. If you do not make a choice, the default Waiting Period nominated by your employer is 90 days. You can change your Waiting Period at any time by completing a Change of Insurance Form. If you select a shorter Waiting Period, Pre-existing Sickness /Condition conditions will apply. This means that for two years you will not have the shorter Waiting Period for a disability that arises from a Pre-existing Sickness /Condition. See page 16 for definition of Pre-existing Sickness/Condition. Please note: You may also be eligible for a 14 day Waiting Period. Please contact Energy Super on ENERGY ( ) to see if you are eligible. MAXIMUM AMOUNT OF COVER - STANDARD IP The monthly benefit for Standard IP is the lesser of: The level of cover you received automatically or applied for; and 90% of your Income. A contribution is also payable into your Energy Super account equal to the lesser of: 10% of your Income ; or 10% of the benefit level for which you are insured. The above is subject to an overall maximum of $30,000 per month. THE COST OF COVER Two year benefit payment period The cost you pay for your insurance depends on the number of units and the Waiting Period you choose and whether or not you are covered by a Workers Compensation scheme (such as WorkCover Queensland). Gross cost of cover for a benefit payment period of 2 years* directors, sole traders and some contractors are not eligible. If you are not covered by a Workers Compensation scheme, the cost of your IP insurance cover is higher. If you are uncertain about whether you are covered by a Workers Compensation scheme anywhere in Australia talk to your employer or contact the Workers Compensation authority in your State or Territory. WorkCover Queensland can be contacted on Please note: If your relevant Workers Compensation scheme decides to cease weekly Statutory Benefits to you but you have not returned to work, the Trustee may request that you be examined by an independent medical specialists to determine the status of your disablement. If you are eligible to claim under a Workers Compensation scheme, you may be required to do so to be eligible to claim an IP benefit from Energy Super. The benefit of any tax deduction available to the Fund for insurance costs deducted from your account is rebated to your account. This refund is currently 15% of the gross insurance cost. If applicable, the refund will show on your Annual Statement as Contributions tax refund (Insurance). EXTENDING THE PAYMENT PERIOD PAST TWO YEARS Energy Super gives you the flexibility to extend the payment period of your IP benefit after the two year default period has elapsed to age 65. You are eligible to apply for the extended payment period providing you are a member of Energy Super and are Actively At Work earning an Income (see page 16 for definitions). You must also be: under age 65; engaged in regular employment; working an average of at least 14 hours or more per week; and an Australian Resident now and at the time of claim. See page 16 for definition of Australian Resident. The optional benefit is subject to medical evidence and will need approval by the Insurer. If you have Workers Compensation If you do not have Workers Compensation 30 day Waiting Period (cost/unit/ week) 60 day Waiting Period (cost/unit/ week) 90 day Waiting Period (cost/unit/ week) $0.632 $0.477 $0.378 $1.012 $0.763 $0.605 MAXIMUM AMOUNT OF COVER - EXTENDED IP The monthly benefit for Extended IP cover to age 65 is the lesser of: The level of cover you applied for; and 85% of your Income. You will also receive 15% of your Income as a superannuation contribution into your Energy Super account. *Cost is subject to review and may change on 1 April each year. A tax refund of 15% of the gross insurance costs is credited to accounts and reduces the effective cost of insurance. The cost of your two year IP insurance cover in Energy Super is subject to your eligibility for Workers Compensation cover which can be claimed if the Injury or Sickness related to your IP insurance claim is work related. Most employees are eligible for Workers Compensation cover in the State or Territory in which they work, but some individuals such as The above is subject to an overall maximum of $30,000 per month. GROSS COST OF COVER - EXTENDED IP The cost of extending your benefit period to age 65 depends on the level of cover you choose, your age and whether you are eligible for a White Collar/Professional discount (see page 17 for definition). *Cost is subject to review and may change on 1 April each year. A tax refund of 15% of the gross insurance costs is credited to accounts and reduces the effective cost of insurance. 10 I energysuper.com.au Energy Super Corporate Insurance Guide IBR

13 Age bracket Age 35 or less Age 36 to 45 Age 46 to 55 Age 56 or more 2 year + 30 day Waiting Period (cost/unit/week) Without white collar discount With white collar discount 2 year + 60 day Waiting Period (cost/unit/week) Without white collar discount With white collar discount 2 year + 90 day Waiting Period (cost/unit/week) 3 Without white collar discount With white collar discount $0.91 $0.64 $0.87 $0.61 $0.83 $0.58 $1.42 $0.99 $1.35 $0.95 $1.29 $0.90 $3.21 $2.25 $3.07 $2.15 $2.92 $2.04 $5.28 $3.96 $5.04 $3.52 $4.80 $3.36 conditions will apply for the amount of the increase for Standard IP cover and you will need to complete the underwriting requirements for Extended IP cover. If you have previously increased your cover, you can later reduce the cover by notifying Energy Super in writing. However, if you then want to reinstate the increase in your cover, you will have to reapply. If you wish to change your level of IP cover please complete a Change of Insurance Form or call us on ENERGY ( ). You can decline to acquire, reduce or cancel your IP cover (including default cover) at any time by completing a Change of Insurance Form. You can also cancel your insurance over the phone by contacting us on ENERGY ( ). HOW TO CALCULATE YOUR COVER The value of each unit of IP cover is $500 per month. Your insured benefit = number of units purchased x $500 per month. Example: 2 year benefit payment period (if have Workers Compensation cover) Units Monthly gross benefit up to 1 : Gross income (per annum) needed to get full benefit 2 Gross cost (per week) depending on your Waiting Period 3 30 days 60 days 90 days 2 $1, $13, $1.264 $0.954 $ $2, $26, $2.528 $1.908 $ $3, $40, $3.792 $2.862 $ $4, $53, $5.056 $3.816 $ $5, $66, $6.320 $4.770 $ $7, $93, $8.848 $6.678 $ $9, $120, $ $8.586 $ $11, $146, $ $ $ $13, $173, $ $ $ You can choose any number of units you wish but keep in mind that the actual benefit payable will be the lesser of: the level of cover chosen; and 90% of your Income. A contribution is also payable into your Energy Super account equal to the lesser of 10% of Income or 10% of the benefit level for which you are insured. So if you choose a level of cover and your Income is less than the amount in the Income needed to get full benefit column, the actual benefit payable will be less than the level you chose. 2 Calculated by multiplying the benefit level by 12 and dividing by 90%. 3 Cost is subject to review and may change on 1 April each year. A tax refund of 15% of the gross insurance costs is credited to accounts and reduces the effective cost of insurance. Please note: The cover levels shown above are gross of tax. Income Protection payments are subject to PAYG and end of year tax. INCREASING, REDUCING OR CANCELLING COVER You are able to increase your Standard IP cover or Extended IP cover at any time. However, if you increase your cover it must be within the maximum amount of cover. Pre-existing Sickness /Condition Please note: You may be required to have insurance cover under an enterprise bargaining agreement which is applicable to your workplace. You should investigate this with your employer prior to cancelling or reducing your cover. In some circumstances, your employer may provide us with information which we utilise to adjust IP benefit levels. Our single issue advice service can give members personal advice about your IP cover over the phone at no additional cost to you. Simply call us on ENERGY ( ) or visit our website at energysuper.com.au to schedule an appointment with an adviser. INTERIM ACCIDENT COVER While your application for Extended IP cover is being assessed, you will be provided with interim accident cover for the lesser of the amount of Extended IP cover you applied for, the level of cover allowed under the Insurer s normal assessment guidelines and $15,000 per month. Some conditions apply. Where interim accident cover applies, a benefit will only be payable where you suffer a total disability as a result of injury. Interim accident cover starts from the date your application for Extended IP cover is received by the Fund. Interim accident cover will expire on the earliest of the following: 90 days after the commencement of the interim accident cover; the date your application for insurance is accepted or declined; the date you cancel or withdraw your application for insurance; or the date you are no longer eligible for insurance cover with Energy Super. No interim accident benefit will be payable for: injury caused by engaging in hazardous pastimes or sports that would not be covered under the Insurer s normal assessment guidelines; injury occurring prior to the date you became eligible for cover; cover applied for that for would have been declined under the Insurer s current assessment guidelines; or a claim lodged for an event or condition that would have been excluded under the Insurer s normal underwriting process. INCOME PROTECTION PAYMENTS If you qualify for a Standard IP benefit, your payments will accrue after your Waiting Period has expired. Payments will be made fortnightly in arrears for up to two years and will stop: if you resume work or are deemed fit to resume work; or if you die; or IBR Energy Super Corporate Insurance Guide energysuper.com.au I 11

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