The Insurer s definitions 12. Nominating your beneficiary 16

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1 Russell iq Super 1 July 2014 JUMP TO Insurance in your superannuation 3 The Insurer s definitions 12 Nominating your beneficiary 16 The information in this document provides additional information to the Russell iq Super Product Disclosure Statement dated 1 July This document is produced by the Trustee of the Russell SuperSolution Master Trust (Fund, Plan or Russell iq Super), Total Risk Management Pty Ltd (Trustee), ABN The Trustee s Australian Financial Services Licence (AFSL) number is The Russell SuperSolution Master Trust ABN is

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3 Insurance in your superannuation The following information is incorporated into section 8 of the PDS: It is important that you understand any eligibility and other conditions attached to your insurance. If you have any questions, you should contact the Plan. If you are eligible for insurance cover and you make a claim for a disablement benefit, the Trustee of Russell iq Super and the insurer will determine whether you meet the relevant definition (as set out below) to receive an insured disablement benefit. Similarly, in the event of your death, the Trustee will determine who should receive your death benefit (unless you have a valid binding death benefit nomination). Related party payments The cost of insurance cover is made up of two components: the premium paid to the insurer; and an insurance processing fee that is paid to a related party of the Trustee called Russell Employee Benefits Pty Ltd. Death and Total and Permanent Disablement (TPD) cover You will need to apply for any insurance cover you wish to have. The insurance cover can be an age-based unit cover (i.e. the value of each unit varies with your age) or fixed cover. However, it cannot be a combination of both. You can apply to be insured for an unlimited amount of Death insurance cover and up to a maximum of $3 million of TPD insurance cover. You can also request a change to your insurance cover at any time. All insurance cover is underwritten, which means that you will be asked to provide health evidence to the insurer. Insurance cover is only provided after the insurer has assessed your health evidence and confirmed you have been accepted. The insurer s acceptance may exclude any pre-existing conditions and may be subject to an insurance fee loading. Age-based unit cover For age-based unit cover, the value of each unit reduces with your age as shown in Table 2. The insurance fee per unit, however, is the same regardless your age. The insurance fee payable also depends on your Occupational Category as shown in Table 1 below. Table 1 Occupational category Cost per unit per week of Death Cost per unit per week of Death and TPD Standard $0.91 $1.66 Low risk $0.46 $0.83 Professional $0.41 $0.75 p3 For more information and forms, visit or call Helpline

4 Table 2 Age next birthday Value of each Death or Death and TPD unit Annual cost per $100 of monthly Income Protection Benefit Standard Low Risk Professional , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , p4 For more information and forms, visit or call Helpline

5 Age next birthday Value of each Death or Death and TPD unit Annual cost per $100 of monthly Income Protection Benefit Standard Low Risk Professional 50 35, , , , , , , , , , , , , , , , , , , , , p5 For more information and forms, visit or call Helpline

6 Fixed cover If you don t want your insurance cover to reduce each year, you can apply to fix the dollar amount of your Death and TPD cover. The insurance fees payable will increase with your age. Table 3 below shows the insurance fees associated with Fixed Death and TPD cover. Table 3 Age Next Birthday Occupational Category Standard Low Risk Professional Death Only Death Death and Death and Death Only Death Only and TPD TPD TPD Insurance Insurance Insurance Insurance Insurance Insurance fee fee per fee per fee per fee per fee per per $1000 of $1000 of $1000 of $1000 of $1000 of $1000 of cover cover cover cover cover cover p6 For more information and forms, visit or call Helpline

7 Age Next Birthday Occupational Category Standard Low Risk Professional Death Only Death Death and Death and Death Only Death Only and TPD TPD TPD Insurance Insurance Insurance Insurance Insurance Insurance fee fee per fee per fee per fee per fee per per $1000 of $1000 of $1000 of $1000 of $1000 of $1000 of cover cover cover cover cover cover Terminal Illness benefit You may be able to access your Death benefit before your death if you are diagnosed with a Terminal Medical Condition as defined in superannuation legislation. To access the insured component of your Death benefit prior to your Death you must also meet the insurer s definition of Terminal Illness. You can find this definition towards the end of this guide. Income protection cover Income protection cover generally provides you with an income if you are unable to work for more than 90 days (the waiting period). Please also refer to the Total Disablement definition towards the end of this guide. If you are initially totally disabled and then return to work at a reduced capacity you may be eligible for a partial disablement benefit, even if you return to work during the waiting period. Any benefit payment is subject to the terms and conditions in the insurance policy. Your Income Protection benefit (also referred to as Total & Temporary Disablement benefit) will be based on the latest salary advised to the Plan and accepted by the insurer. You must advise the Plan of any updates to your salary and request increased cover. Any update to the insured amount is subject to the insurer s approval, and you may be required to provide health evidence. The cost of cover depends on your age as shown in Table 2. p7 For more information and forms, visit or call Helpline

8 Accelerated Protection cover Accelerated Protection is an individual insurance policy that provides you with the flexibility to choose the type of insurance cover that is most suited to your current life stage. It also allows you to modify your cover as your needs change. You can apply for Accelerated Protection insurance through your Adviser. Your Adviser will provide you with a separate Product Disclosure Statement regarding the Accelerated Protection. Please read the document carefully and discuss the appropriateness of this product for you with your Adviser. The fees are generally more expensive than the insurance provided under a group arrangement (i.e. all insurance noted on this section) as it is a highly tailored product. The insurance fees associated with this product depend on the options you and your Adviser choose and will be determined at the time you apply. Please note that your insurance can only be provided under a group arrangement or under Accelerated Protection. This means you cannot have any insurance cover noted in this section if you purchase the Accelerated Protection. For more information, please contact your Adviser. Payment of Insurance fees Insurance fees for insurance cover are deducted from your account on the last business day of each month. If your account balance becomes insufficient to meet the cost of your insurance, the insurance cover relating to those fees may be cancelled from the 1st of the previous month. For example, if the deduction was $10 for the month and the balance of your account was $5 on 31 August; your insurance would be cancelled as at 1 August as July was the last month the insurance was actually paid for. It is important to note that this will be done without warning. It is your responsibility to maintain the minimum balance within the Fund if you want to retain your insurance benefits. Opting out of insurance cover You can opt out of your insurance cover at any time by sending us a completed Insurance Request Form. p8 For more information and forms, visit or call Helpline

9 Occupational Categories The Death & TPD and Income Protection benefits in Russell iq Super have Occupation Categories applied to the insurance fees. This means that you are charged insurance fees based on the risk profile of your occupation. The plan s default category is Standard, however you may apply for a Low Risk or Professional and you can lower the insurance fee payable. The Occupational Categories are as follows: Occupational Categories Professional Low Risk Standard White Collar Professionals performing no manual duties (e.g. lawyer, accountant). Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation). Those well established senior executives (those with 10 or more years in that role) with incomes in excess of $80,000 pa, without tertiary qualifications may also be included. Clerical, administration and managerial occupations involving office and travel duties. No manual work (e.g. Administrator, book-keeper, computer operator). Includes occupations with tertiary qualifications that involve very light physical work (e.g. osteopath, physiotherapist). Certain qualified tradespeople (e.g. electrician) who engage in light manual work only. Includes business owners in non-hazardous industries involved in light manual work (e.g. coffee shop owner) and those who may supervise medium blue collar workers (no more than 25% of their work time). Includes occupations that are not limited to an office, where travel is an essential part of the job (e.g. field surveyor). Also includes qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (e.g. carpenter, plumber, plasterer, mechanic). Also includes heavy manual workers in non-hazardous industry performing higher risk occupations (e.g. interstate bus driver, warehouse worker, labourer, bricklayer, house removalist). You can apply for a change in your Occupational Category online or by completing an Insurance Request Form available from the log in area of the Plan s website. The form is subject to acceptance by the Plan s Insurer. Sample insurance calculations Jim is a 35 year old office worker who works full-time and earns a base salary of $50,000 a year. Jim s occupational category is Low Risk. If Jim has one unit of Death & TPD insurance Jim s Death & TPD Insured benefit would be $103,000. The insurance fee would be $0.83 per week ($43.16 p.a.). If Jim has one unit of Death & TPD insurance and decided to increase his death only cover by an additional 2 units, Jim s Death insured benefit would be $309,000 ($103,000 x 3 units) however his TPD insured benefit would remain at $103,000. His insurance fees would be $0.83+($0.46 x 2) = $1.75 per week ($91.00 p.a.) Jim has an Income Protection cover which is calculated as follows: = Base Salary x 75% / 12 months = $50,000 x 75% / 12 = $3,125 per month p9 For more information and forms, visit or call Helpline

10 The insurance fees would be calculated as: = Monthly benefit / $100 x Low Risk rate for age next birthday 36 years = $3,125 / 100 x 0.69 = $21.56 per year = $0.42 per week Insurance cover while overseas Usually you are covered for insurance 24 hours a day, worldwide. It is important to be aware that your cover may be restricted under different circumstances. For example, if the Department of Foreign Affairs and Trade have issued a do not travel warning for the country you are travelling to, or you will be travelling for an extended period or you are moving overseas, these circumstances or similar circumstances will likely impact on your cover. Please contact the Plan to obtain confirmation of your insurance arrangements before you go. If you are an Australian Resident temporarily residing or employed overseas you may be covered for Death and TPD insurance for up to 3 years. This period can be extended subject to the insurer s prior written approval. If you are a Non-Australian Resident temporarily residing or employed overseas you may be covered for up to 3 months. This period can be extended subject to the insurer s prior written approval. Bundled cover Please be aware that TPD cover is bundled with Death cover to form Death and TPD cover. If you have a higher insured benefit for Death than for TPD, the additional amount stands alone as Death only cover. Any insured TPD benefit paid to you will reduce the Death and TPD portion of your cover to zero. Similarly, if you are paid a Death benefit you may not also claim a TPD benefit. If you were to claim a TPD Benefit and die during the period the claim was being assessed, the TPD claim as duly lodged would generally be paid if the Insurer and the Plan had sufficient information to make such a decision. However, if (at the date of death) the Insurer and the Plan did not hold sufficient evidence to approve a TPD Benefit, the Death Benefit would be paid. In any case, if your Death Benefit is greater than the TPD Benefit, we will pay the higher amount. Making a claim If you become terminally ill while you are member of the Plan, you or your family should contact us as soon as possible. We will send you the appropriate claim forms. Please refer to the Terminal lllness section for more information about the two medical certificates required. If you die while you are an investor of the Plan, your family should contact us. Your dependants (beneficiaries) may be entitled to an anti-detriment payment from the Plan. An anti-detriment payment is paid as a lump sum in addition to the deceased member s account balance. Representative of a refund of the 15% contributions tax the deceased member has paid on their superannuation entitlements throughout their lifetime, an anti-detriment payment is only payable when the death benefit is taken as a lump sum. Please contact the Plan or speak to your adviser for more information. Your spouse may choose to take out a spouse death pension in the event of your death. Please contact us or speak to your adviser for more information. p10 For more information and forms, visit or call Helpline

11 If you become disabled and you want to claim a TPD benefit, you should call us and we will send you the appropriate information to progress the claim. All claims are assessed by both the insurer and the Trustee. If your claim is successful, the insured amount will normally be placed in your account until we hear from you. You should notify the Fund as soon as possible of any claim for a TPD benefit. If your claim is delayed such that the insurer s interests are prejudiced, the benefit payable under the insurance policy may be reduced. p11 For more information and forms, visit or call Helpline

12 The Insurer s definitions Words in italics have a special meaning within the insurance policy. Please contact us if you require a copy of these definitions. Total & Permanent Disablement (TPD) Part of the benefit payable if you become totally and permanently disabled may be insured and is subject to the terms and conditions of any insurance policy in force as well as the Plan s rules. The Trustee of the Plan will independently review the insurer s assessment of whether you qualify as totally and permanently disabled under the applicable definition in the insurance policy. The TPD definition applied by the insurer in respect of TPD that occurs on or after 1 January 2014 is: Total and Permanent Disablement means the Insured Person: 1. is under the care of, and following the advice of, a Medical Practitioner; 2. meets one of more of the following definitions Parts (a), (b), (c) or (d) as applicable; and 3. meets the Permanent Incapacity definition under the Superannuation Industry (Supervision) Regulations 1994 (Cth), as amended from time to time. The current definition of Permanent Incapacity is: A member is taken to be suffering Permanent Incapacity if the Trustee of the fund is reasonably satisfied that the member's ill-health (whether physical or mental) makes it unlikely that the member will engage in gainful employment for which the member is reasonably qualified by education, training or experience. The relevant date for the TPD claim (for an insured member) is as defined in the relevant insurance policy document applicable at the date the member becomes TPD--not the date of lodging a TPD claim. Definition A In the insurer s opinion, the Insured Person, while insured by the insurer under this policy, solely because of illness or injury, the Insured Person has suffered the permanent loss of: (i) (ii) the use of 2 limbs (where limb is defined as the whole hand below the wrist or whole foot below the ankle); or the sight in both eyes; or (iii) the use of one limb and the sight in one eye; OR Definition B Solely because of illness or injury the Insured Person is, in the insurer s opinion, unlikely ever to be able to perform at least 2 of the following activities of daily living: dressing the ability to put on and take off clothing without assistance; bathing the ability to wash or shower without assistance; toileting the ability to use the toilet, including getting on and off, without assistance; mobility the ability to get in and out of bed and a chair without assistance; or feeding the ability to get food from a plate into the mouth without assistance; where assistance means the assistance of another person; OR p12 For more information and forms, visit or call Helpline

13 Definition C (i) Where at the Date of Disablement, the Insured Person was in Gainful Employment of 15 or more hours per week (averaged over the 13 week period prior to the Date of Disablement or such shorter period if employed for less than 13 weeks immediately prior to the Date of Disablement), the Insured Person: (a) (b) has been absent as a result of illness or injury from employment for 6 consecutive months; and at the end of the period of 6 months, after consideration of all relevant evidence the Insured Person is in the insurer s opinion, disabled to such an extent as to render them unlikely to ever again be engaged in any occupation for which they are reasonably suited by their education, training or experience; OR Definition C (ii) Where at the Date of Disablement, the Insured Person was not in Gainful Employment and was engaged in unpaid domestic duties at home, the Insured Person in the insurer s opinion: (a) (b) (c) (d) (e) is as a result of illness or injury under the care of a Medical Practitioner; and is unable to perform those domestic duties; and is unable to leave their home unaided; and has not engaged in any Gainful Employment for a period of 6 consecutive months after the occurrence of the injury or illness; and at the end of the period of 6 months, in the insurer s opinion, after consideration of all relevant evidence the Insured Person is disabled to such an extent as to render them unlikely to perform those domestic duties or engage in any gainful occupation for which they are reasonably suited by education, training or experience. where domestic duties means the following tasks performed by the Insured Person whose main occupation is to maintain their family home: cooking of meals for their family; cleaning of the home; shopping for their family s food; doing their family s laundry; or taking care of dependent children (if applicable); but exclude any tasks performed for salary, reward or profit. p13 For more information and forms, visit or call Helpline

14 Where TPD occurs before 1 January 2014 This section is relevant only for members who joined the Plan before 1 January 2014 and wish to lodge a TPD claim in respect of TPD that occurred before 1 January If you became disabled before 1 January 2014, different rules apply: if you met the insurer s TPD definition that applied at the time of your disablement and you were eligible for TPD insurance, the insurer will pay your insured benefit to the Trustee, who will credit the insurance proceeds to your account balance. However, the Trustee cannot release your account balance, including your insured benefit, to you unless you also meet the Permanent Incapacity definition or another condition of release as defined in the SIS Act. The current definition of Permanent Incapacity is: A member is taken to be suffering Permanent Incapacity if the Trustee of the fund is reasonably satisfied that the member's ill-health (whether physical or mental) makes it unlikely that the member will engage in gainful employment for which the member is reasonably qualified by education, training or experience. Please refer to Withdrawing your superannuation under section 1 of the Super Guide which is available at for more information about the other conditions of release. Totally Disabled/ Total Disability The Income Protection cover is externally insured and is subject to the terms and conditions of any insurance policy in force as well as the Plan s rules. The current Totally Disabled/ Total Disability definition applied by the insurer is: Totally Disabled/ Total Disability means that in Our opinion the Insured Person, while insured by Us, as a direct result of an illness or injury: (a) (b) (c) is unable to perform at least one important income producing duty of their regular occupation; is not working in any capacity, Gainful Employment or otherwise; and is under the regular care a Medical Practitioner and, in Our reasonable opinion, is complying with the advice and treatment given by that Medical Practitioner. Partially Disabled/ Partial Disability The current Partially Disabled / Partial Disability definition applied by the insurer is: Partially Disabled / Partial Disability means that immediately following a period of at least 14 consecutive calendar days of Total Disability, and as a direct result of the same illness or injury that caused Total Disability, the Insured Person: (a) (b) (c) cannot work their pre-disability working hours, or is unable to perform at least one important income producing duty of their regular occupation, or does not have the capacity to work at the same level they were working at prior to commencement of Total Disability; suffers a partial loss of monthly Salary; and is under the regular care of a Medical Practitioner and, in Our reasonable opinion, is complying with the advice and treatment given by that Medical Practitioner. All work undertaken by the Insured Person must be approved by Us and their Medical Practitioner. p14 For more information and forms, visit or call Helpline

15 Terminal Illness Terminal illness means an Insured Person suffers any condition that: a. two appropriate Medical Practitioners approved by Us (at least one of whom is a specialist) certifies in writing, having regard to the current treatment as the Insured Person may reasonably be expected to receive, will despite reasonable medical treatment, the Illness will lead to the Insured Person s death within 12 months of the date of the certification; and b. we are satisfied, on medical or other evidence, that the person will, despite reasonable medical treatment, the Illness will lead to the Insured Person s death within 12 months of the date of certification referred to in (a). p15 For more information and forms, visit or call Helpline

16 Nominating your beneficiary Russell iq Super provides you with a choice of how to notify the Trustee about who you wish to receive a death benefit should you die, regardless of whether you have Death insurance cover or not: 1. Trustee discretion via a preferred beneficiary nomination ; or 2. Member direction via a binding nomination. In terms of superannuation law, the people that you are able to nominate to receive your death benefit are: your spouse (including de facto of the same or different sex); your children (including step, adopted, and ex-nuptial children, or a child of your spouse); any person who is financially dependent on you; any person with whom you have an interdependency relationship including: any person with whom you have a close personal relationship and live with, where one or both of you also provides ongoing financial support, domestic support and personal care; and any person with whom you have a close personal relationship where, because of a disability, the above requirements of living together, financial support, domestic support and personal care are not able to be satisfied. If you do not make a nomination, your benefit will be paid to your dependants or to your estate, as determined by the Trustee. Preferred beneficiary nomination The Trustee makes the final decision on who will receive your benefit and is not required to pay it to your nominated beneficiaries. Superannuation law seeks to ensure that it is paid to people with whom you have a close personal relationship or who are financially dependent upon you. You can advise the Trustee of whom you want to receive the benefit by nominating your preferred beneficiaries. To do this you need to complete the Nomination of Beneficiaries Form or fill in the relevant section of the form you complete when joining the Plan. The Trustee will consider your nomination before paying out the benefit, so it s important to keep your nomination up to date, and to pay attention to who qualifies as a dependant. It s a good idea to complete a new Nomination of Beneficiaries Form whenever your circumstances change (e.g. through marriage or divorce, or if you have a child). With a preferred beneficiary nomination, the Trustee will consider your personal circumstances at the time of death in determining who receives your benefit. Binding nomination This type of nomination allows you to control, within certain parameters, who receives your death benefit. To make a valid binding nomination, you must complete the Nomination of Beneficiaries Form or fill in the relevant section of the form you complete when joining the Plan. In particular, you will need to: nominate individuals who satisfy one of the relationship criteria, or alternatively nominate your personal legal representative or estate if you wish your death benefit to be paid to your estate; ensure that the percentages allocated to the nominated individual(s) add up to 100%; sign and date the nomination form in the presence of two witnesses; have the form signed by two witnesses (who must be over 18 years of age and not be nominated as beneficiaries); and have these two witnesses complete the declaration in the form. p16 For more information and forms, visit or call Helpline

17 A binding nomination will remain in place for a period of three years from the date it was signed unless it is replaced, revoked or re-confirmed within this time. You can: replace or re-confirm your binding nomination via the same process used to make the original nomination (i.e. complete a new Nomination of Beneficiaries Form, including the witnessing process). If we receive a new Nomination of Beneficiaries Form, it will automatically replace any existing binding nomination held by us. revoke/cancel a binding nomination at any time and, if you wish to do so, replace it with a new binding nomination or a preferred beneficiary nomination. A revocation notice must be completed in the same way as your original Nomination of Beneficiaries Form (i.e. you must sign it in the presence of two witnesses who must each sign the declaration). If you do not re-confirm, revoke or replace your binding nomination it will expire at the end of the three-year period and will be treated in the same way as a preferred beneficiary nomination (i.e. the Trustee will make the final decision about who will receive the benefit). If your binding nomination is valid at the date of your death, the Trustee is required to pay your death benefit in accordance with your instructions. You should be aware that a binding nomination will not necessarily become invalid in the event that your personal circumstances change. As such it is important you review your nomination regularly to ensure it remains up to date. You should note that the relationship between you and each of the nominated beneficiaries will not be investigated at the time of receipt of a binding nomination but will be validated at the date of death by the Trustee. In the event that a nominated beneficiary is not an eligible beneficiary under superannuation law at the date of death (e.g. is no longer financially dependent, has pre-deceased the member etc), then the WHOLE binding nomination will be treated as invalid. An invalid binding nomination will be treated in the same way as a preferred beneficiary nomination. p17 For more information and forms, visit or call Helpline

18 SS_PDS_IBR_InsuranceGuide_RiQS_V1F_1406

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