Welcome to the AYSF Group Insurance Plans.

Size: px
Start display at page:

Download "Welcome to the AYSF Group Insurance Plans."

Transcription

1 An introduction to Group Insurance Plans - Members Booklet Welcome to the AYSF Group Insurance Plans. Important note: This document is provided by AYSF and has been prepared with the assistance of Certainty Financial Pty Ltd which is the appointed adviser firm to the AYSF Group Salary Continuance and Group Life Plans. The purpose of this document is to help you gain a basic understanding of the features and benefits of the insurance Plans. It is a summary only and does not contain the full details of the plan. It does not convey any legal entitlement under the Plans. For a full description of the terms and conditions of the plan, you should refer to the Policy document held by your AYSF superannuation team. Alternatively, you can contact Certainty Financial offices as per the contact details provided. This document is current as at May

2 Introduction Australian YMCA Superannuation Fund (AYSF) believes the provision of these plans to be an important benefit of employment with the organisation. Membership of this plan is automatic upon your commencement of service with AYSF and upon joining the staff superannuation plan (AYSF). They offer valuable benefits if you die or become seriously disabled, and also protects your income in the event that you are unable to work due to injury or illness. It is important that you read this booklet to get a basic understanding of the benefits available to you. This document does not contain the full details of the contract between AYSF and the insurer, Tower and offers a general guide only to the insurance offered. It conveys no legal entitlement to a claim under the policy. The insurance is provided under a contract between the AYSF and Tower Australia Ltd (formerly known as PrefSure) ABN For a full description of the terms and conditions of cover, you should refer to the Policy Document held by your AYSF superannuation team. Alternatively, at the end of this booklet are details of who to call if you have any questions. To assist in your ease of understanding, this booklet has adopted a question and answer approach about your membership entitlements and is broken up into three parts: 1. Group Salary Continuance Policy 2. Group Life / TPD Plan 3. General Information & Contact Details 2

3 Section 1. Group Salary Continuance Policy (Income Protection Insurance) I just want to know what is salary continuance insurance? Salary continuance (also known as income protection) is a form of insurance that provides up to 75% of your base salary in the event that you are unable to work due to injury or illness. Unlike workers compensation, income continuance covers you seven days a week, 24 hours per day, anywhere in the world. The benefit is payable monthly in arrears, and becomes payable after you have been unable to work due to illness of injury for a period of 90 days (known as the waiting period). For example, if you were off work for a total of 100 days, you would receive 10 days worth of benefit. The benefit can be payable for up to 2 years, should your injury or illness continue to prevent you from working. who is eligible for cover? All Full Time and Part Time employees upon commencement of service who are presently working for AYSF and are a member of the staff superannuation plan and who commenced employment before age 65, are eligible for cover. This is provided the person works at least 15 hours per week. It does not include persons employed on a "casual" basis. when does cover commence? Cover is automatic for all Full Time and Part Time employees of AYSF on a permanent basis for at least 15 hours per week. You must be in active employment on the commencement date to be entitled to cover up to the Automatic Acceptance Limit (AAL). If you are not in active employment, then limited cover will apply. If you are eligible for cover in excess of the Automatic Acceptance Limit (AAL) or you have joined outside of the eligibility conditions (and therefore have no cover), you will need to be underwritten and accepted by Tower. who pays the premium? The premiums are deducted from member accounts at 30 June each year, or on exit from AYSF. If at any time AYSF ceases to be the plan sponsor, the plan will end. If that occurs you will be notified and given the opportunity to take up, at your own expense, your own income continuance insurance plan. do I need a medical? Not to join the plan, but possibly to access maximum benefit entitlements. In line with the benefit design, you are eligible for cover under this group insurance policy for up to 75% of your base salary subject to a maximum insured benefit of $20,000 per month. This means that every member earning a base salary of up to $320,000 per annum could be in receipt of 3

4 their full entitlement of insurance cover ($320,000 x 75% per annum / 12 = $20,000 per month). You are automatically entitled to a portion of that cover irrespective of any previous medical condition or injury, and irrespective of any sporting or pastime pursuits (eg. martial arts, flying, rock climbing, scuba diving, motor vehicle racing, etc). This is $10,000 per month which relates to a base salary of $160,000 ($160,000 x 75% = $120,000 / 12 Months = $10,000). Thus, any member earning in excess of $160,000 is required to submit medical evidence for assessment on the benefit entitlement in excess of $10,000 per month. If your base salary does exceed $160,000, you should contact AYSF s appointed advisers, Certainty Financial to arrange the necessary documentation for additional cover. what do I need to do to increase my cover? Any staff member earning in excess of $160,000 per annum who wants to increase their cover to the maximum 75% of their base salary is required to submit medical evidence for assessment on the benefit entitlement in excess of $10,000 per month. Thus, if your base salary exceeds $160,000, you should contact AYSF s appointed advisers, Certainty Financial to arrange the necessary documentation for the additional cover, with this additional cover to be also funded by the staff member via salary sacrifice. how are my benefits provided? Your benefits are made available through a group insurance policy owned by AYSF and underwritten by Tower. how does the plan work? If you become totally disabled or partially disabled in accordance with the terms and conditions of the Policy, you may become eligible for a monthly disability benefit. This benefit of up to 75% of your base salary becomes payable after you have been unable to work due to illness of injury for a period of 90 days, and continues to be payable up to 2 years, should your injury or illness continue to prevent you from working. what is total disability? The definition of Total Disability is as follows: Solely because of sickness or injury, you: are unable to perform at least one income producing duty of your own occupation; and are not working in any occupation whether or not for reward; and are under the regular care of, and following the advice of a medical practitioner. It is important to note that your income replacement benefits are not paid in addition to any sick leave entitlements. 4

5 are benefits paid for partial disability? Yes, they begin to accrue the day following the end of the waiting period if you: have been totally disabled for at least 14 consecutive days; are unable to work in your own occupation at full capacity immediately after you became totally disabled because of the sickness or injury that caused your total disability; are working in a reduced capacity; earn a monthly income that is less than your pre-disability income; and are under the regular care of, and following the advice of, a medical practitioner. The partial benefits are calculated by offsetting any income, you earn from personal exertion while disabled, from your monthly benefit. are benefits reduced if I receive compensation from elsewhere? Yes. The amount of benefits you receive will be reduced by other disability income you receive. This is any income, commutation of income either paid or payable that you receive as a result of the sickness or injury and, workers compensation benefits, or other income replacement policy (excludes sick leave payments). This will apply only where the total monies received exceed 75% of your base salary. when do benefits for disability start and stop? If you are still disabled after the end of the waiting period, benefits will begin accruing from the day after the end of the waiting period. The benefits are paid monthly in arrears and stop on the earlier of: you cease to be disabled; your death; you turn 65; the end of the benefit period (up to 2 years). what is my benefit amount? If you are totally disabled, a monthly benefit in arrears would be payable after the 90 day waiting period of up to 75% of your base salary advised at the time of the last plan review, subject to a maximum insured benefit of $20,000 per month. If you are partially disabled, a proportion of the monthly benefit will be paid to you based on the reduction in your income earned before total disability and the income earned whilst you are partially disabled, according to the formula set out in the Policy*. 5

6 The benefit for either total disability or partial disability may be reduced by other compensation received. *Please contact the AYSF superannuation team to obtain a copy of the Policy document. how do I make a claim under the plan? If you feel that you may be eligible to claim under this policy, please speak with your AYSF superannuation team to organise the relevant paperwork via the firm s appointed advisers, Certainty Financial. Additional information, including medical information, may be required at your expense at regular intervals until the disability ceases or benefits are terminated. Claim benefits are paid monthly in arrears. are there any other benefits? Yes. There is a range of other valuable benefits included in the policy. Briefly these include: Rehabilitation Expense Benefits Tower will meet the rehabilitation expenses for a member who is disabled if: (a) Tower and your medical practitioner approve the rehabilitation expenses in writing before the program is undertaken; and (b) The expenses are incurred to directly assist you to return to work in a gainful occupation. Death Benefit If you die whilst receiving claim payments from Tower, an additional lump sum amount equal to one quarter of the annual total disability benefit will be paid for 1 year. do I have to re-qualify if a disability re-occurs? Not necessarily. If a disability re-occurs from the same or related cause within six months of the previous claim ending, it will be considered to be a continuation of the previous claim and the waiting period will not be applied again. are benefit payments indexed to maintain their value? Yes. While you are on claim, at the end of each consecutive 12 month period for which benefits are payable, the monthly benefit will be indexed by the Consumer Price Index up to a maximum of 7.5%. are there any limitations on benefits? Yes. There are certain events in which benefits will not be paid under the policy. These are described in detail under the policy and include war, service in the armed forces (other than the Australian Armed Forces Reserve), an intentional self-inflicted act, pregnancy or childbirth. 6

7 will I be covered if I travel outside Australia? Yes. The policy can cover you while travelling anywhere in the world and whilst you continue to be a full, part time, or fixed term employee with AYSF. If you intend to reside outside Australia for longer than 13 weeks travelling to a non G7 country, cover must be approved by Tower in writing. Tower may impose special conditions for cover outside Australia. While a member is outside Australia, benefit payments will only be paid for a maximum of six months, unless the insured person has returned permanently to Australia or another country acceptable to Tower. This timeframe is increased to 12 months within a G7 country. G7 countries include Canada, France, Germany, Italy, Japan, UK, and the USA. what happens if I take maternity/paternity leave or leave without pay? You are covered for up to 12 months after your leave commences provided that: you are not taking leave due to injury or illness; AYSF approves your leave, before you go; if the leave period exceeds three months, Tower must be notified; the premium is continued to be paid. what happens to my cover if I change jobs? If you should leave the service of AYSF before age 60 for reasons other than retirement or disability, and you continue employment elsewhere: You will be given the option to continue your cover under an individual policy without providing any medical information. It is subject to you exercising the option within 60 days of leaving service, there may be certain details required in relation to your occupation and pastimes. Also, any special conditions which may apply to your membership in this plan would continue. It is important to note that it is your responsibility to contact Certainty Financial within the 60 days if you wish to take up your Continuation Option. 7

8 Section 2. Group Life / TPD Plan (Death and Total & Permanent Disability Insurance) I just want to know what is death (life) and TPD insurance? Death cover is a form of insurance that provides a lump sum payment in the event of your death. TPD cover provides a lump sum benefit to you if you have been absent from all employment for six consecutive months and in the event that you have been medically certified to be unlikely to ever return to work in your current occupation. The coverage is provided under a Group Life Policy issued to AYSF by Tower (formerly known as PrefSure) ABN As AYSF is the owner of this cover, Tower will pay any benefits that become payable for an insured person under the Policy to AYSF. The company will then pay those benefits to the member, or his or her estate, at its discretion. who is eligible for cover? All Full Time and Part Time employees upon commencement of service who are presently working for AYSF and are a member of the staff superannuation plan and who commenced employment before age 65, are eligible for cover. This is provided the person works at least 15 hours per week. It does not include persons employed on a "casual" basis. when does cover commence? Cover is compulsory for Full Time and Permanent Part Time employees of AYSF and becoming a member of the AYSF staff plan. If you choose not to be a participant in the AYSF staff superannuation plan, you will not be granted Death/TPD Cover. do I need a medical? No. You are automatically covered under the group insurance policy arranged by AYSF for the following benefits: Full Time employees $100,000 Part Time employees $50,000 Automatic acceptance means that you have the above coverage irrespective of any previous medical condition or injury, and irrespective of any sporting or pastime pursuits (eg. martial arts, flying, rock climbing, scuba diving, motor vehicle racing etc). This is $100,000 for your Death/TPD Cover if you are a full time employee, or $50,000 for your Death/TPD Cover if you are a part time employee. how are my benefits provided? Your benefits are made available through a group insurance policy owned by AYSF and underwritten by Tower. 8

9 how does the plan work? If you die, your dependent/s or estate will become eligible for the benefit which is paid to the policy owner (AYSF). If you become totally and permanently disabled, you will become eligible for the benefit which is paid to the policy owner (AYSF). what is Total & Permanent Disablement? To claim benefits for TPD you need to satisfy the following definitions. Solely because of sickness or injury: you suffer the total and permanent: (i) use of two limbs; or (ii) sight of both eyes; or (iii) use of one limb and the sight of one eye. OR you have been absent from all employment for 6 consecutive months from the date of disablement and Tower consider, on the basis of medical and other evidence satisfactory to them, you will not ever be able to resume any occupation, whether or not for reward. OR for 6 consecutive months, from the date of disablement, been totally unable to perform without the physical assistance of another person any two of the following activities of daily living and will be permanently and irreversibly unable to do so for life: o dressing o toileting o mobility o continence o feeding who pays the premiums? The premiums are deducted from member accounts at 30 June each year, or on exit from AYSF. If at any time AYSF ceases to be the plan sponsor, the plan will end. If that occurs you will be notified and given the opportunity to take up, at your own expense, your own income continuance insurance plan. how do I (TPD) or my dependent/s or estate (death) make a claim under the plan? To make claim under this policy, you or your dependent/s or estate will need to speak with AYSF s superannuation team, who will organise the relevant claim paperwork via the firm s appointed Advisers (Certainty Financial). are there any other Tower pay an Interim Accidental Death Cover, when an application for an increase in cover is subject to underwriting, for up to a maximum of 90 9

10 benefits? days from the date of receipt of the member s application and for the benefit increase applied for, but not exceeding the maximum of $100,000 for full time employees and the maximum of $50,000 for part time employees. are there any limitations on benefits? Yes. There are certain events in which benefits will not be paid under the policy. These are described in detail in the Policy but include war, service in the armed forces, and an intentional self-inflicted act. will I be covered if I travel outside Australia? Yes. The policy can cover you while travelling anywhere in the world and whilst you continue to be a full, part time, or fixed term employee with AYSF. If you intend to reside outside Australia, for longer than 5 years and travelling to a non G7 country, cover must be approved by Tower in writing. Tower may impose special conditions for cover outside Australia. While a member is outside Australia, benefit payments will only be paid for a maximum of twelve months, unless the insured person has returned permanently to Australia or another country acceptable to Tower. This timeframe is increased to 12 months within a G7 country. G7 countries include Canada, France, Germany, Italy, Japan, UK, and the USA. what happens to my cover if I change jobs? If you leave AYSF before the age of 60 for reasons other than retirement or disability, and you continue employment elsewhere, you will be given the option to continue your cover under an individual policy without providing any medical information. It is subject to you exercising the option within 60 days of leaving service. There may also be certain details required to be provided in relation to your occupation and pastimes. Notably, any special conditions which may apply to your membership in this plan would continue. It is important to note that it is your responsibility to contact Certainty Financial within the 60 days if you wish to take up your Continuation Option. 10

11 Section 3. General Information & Contact Details I just want to know what do I do if I have any questions? Please contact AYSF s appointed advisers Certainty Financial, at the contact points detailed below. who is Certainty Financial? Certainty Financial is an advisory firm that specialises in corporate superannuation and group insurance solutions. It is privately owned, and not aligned with any financial institution. It operates under its own Australian Financial Services Licence Established in 1980, it has offices in Melbourne and Sydney, and services employers and members Australia wide. In addition, it also has a private client division that provides financial planning and personal insurance advice to individuals. Members of this plan are entitled to discounted fees for these services. For further information on Certainty Financial you can request a copy of its Financial Services Guide. how to contact Certainty Financial? Melbourne Office: Suite 2, 670 Canterbury Road Surrey Hills Vic 3127 PO Box 113 Canterbury Vic 3126 David Wilson Director Corporate Risk Tel: Sydney Office: Ground Floor, 221 Miller Street North Sydney NSW 2060 PO Box 852 North Sydney NSW 2059 Dina Apostolou Administrator Corporate Services Tel:

Insurance guide. SignatureSuper AMP Life Association and Personal fact sheet. Issued ₁ July ₂₀₁₅

Insurance guide. SignatureSuper AMP Life Association and Personal fact sheet. Issued ₁ July ₂₀₁₅ Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper AMP Life Association and Personal fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document

More information

Insurance Guide. Employer Sponsored Division. www.amist.com.au service@amist.com.au Issued: 20 April 2015. AMIST Super Hotline

Insurance Guide. Employer Sponsored Division. www.amist.com.au service@amist.com.au Issued: 20 April 2015. AMIST Super Hotline Insurance Guide Employer Sponsored Division AMIST Super Hotline 1800 808 614 The information in this document forms part of the Product Disclosure Statement for AMIST Super Employer Sponsored Division

More information

Insurance guide. SignatureSuper AMP Life fact sheet. Issued ₁ July ₂₀₁₅

Insurance guide. SignatureSuper AMP Life fact sheet. Issued ₁ July ₂₀₁₅ Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper AMP Life fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the

More information

Issued ₁ July ₂₀₁₅. Insurance Guide. SignatureSuper AIA fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379.

Issued ₁ July ₂₀₁₅. Insurance Guide. SignatureSuper AIA fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. Issued ₁ July ₂₀₁₅ Insurance Guide SignatureSuper AIA fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the product

More information

Insurance. Who should read this? What you re covered for. What you should know up front. Why should I have Death, TPD and IP cover?

Insurance. Who should read this? What you re covered for. What you should know up front. Why should I have Death, TPD and IP cover? PSSap11 04/12 Insurance Who should read this? Members who want information about death, total permanent disability (TPD) income protection (IP) insurance. What you should know up front It is important

More information

1 July 2015. REI Super. Insurance Guide INDUSTRY SUPER FUND LOW FEES RUN ONLY TO BENEFIT MEMBERS

1 July 2015. REI Super. Insurance Guide INDUSTRY SUPER FUND LOW FEES RUN ONLY TO BENEFIT MEMBERS Insurance Guide 1 July 2015 REI Super Insurance Guide INDUSTRY SUPER FUND LOW FEES RUN ONLY TO BENEFIT MEMBERS CONTENTS 1. REI Super Insurance at a glance 2. Your insurance options 3. Death and Total and

More information

ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015. Tailored Employer Plans

ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015. Tailored Employer Plans ANZ Smart Headline Choice goes Super here ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015 Tailored Employer Plans Legal entity referred to in this Guide Name of

More information

Important changes to insurance

Important changes to insurance Important changes to insurance Effective 1 July 2013 rest.com.au 1800 063 627 Contents Why have these changes been made? 2 New cover levels 2 New insurance costs 5 Access to higher cover under the new

More information

REST Corporate Insurance Guide

REST Corporate Insurance Guide REST Corporate Insurance Guide Including Application for insurance Effective 1 October 2015 The information in this document forms part of the REST Corporate Product Disclosure Statement (PDS), effective

More information

Insurance guide. SignatureSuper MetLife fact sheet. Issued ₁ July ₂₀₁₅

Insurance guide. SignatureSuper MetLife fact sheet. Issued ₁ July ₂₀₁₅ Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper MetLife fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the

More information

Insurance Guide. 15 December 2014. Contents. Important information. For more information

Insurance Guide. 15 December 2014. Contents. Important information. For more information Insurance Guide 15 December 2014 Contents 1. Insurance in your Super... 2 2. Complete Super at a glance... 2 3. Death and TPD cover... 2 4. Income Protection insurance cover... 4 6. Group Income Protection

More information

Energy Super Insurance Guide. Prepared and issued 30 April 2013

Energy Super Insurance Guide. Prepared and issued 30 April 2013 Energy Super Insurance Guide Prepared and issued 30 April 2013 Contents Insurance Overview 1 Death & Total and Permanent Disablement cover 1 Income Protection cover 9 Other insurance information 15 Definitions

More information

Insurance guide. Personal Division. This guide contains important information about your NSF Super insurance options.

Insurance guide. Personal Division. This guide contains important information about your NSF Super insurance options. Insurance guide Personal Division This guide contains important information about your NSF Super insurance options. Contents Contents 1. Death and TPD insurance cover... 3 2. Income Protection insurance

More information

POLICY NO. MP9958, MP9959, MP9961 - ENDORSEMENT 01

POLICY NO. MP9958, MP9959, MP9961 - ENDORSEMENT 01 AIA Australia Limited (ABN 79 004 837 861 AFSL 230043) PO Box 6111 St Kilda Road Central VIC 8008 Phone : 1800 333 613 Fax : 1800 832 266 AIA.COM.AU POLICY NO. MP9958, MP9959, MP9961 - ENDORSEMENT 01 This

More information

Tasmanian Accumulation Scheme Death and Incapacity Cover

Tasmanian Accumulation Scheme Death and Incapacity Cover Death and Incapacity Cover Retirement Benefits Fund Tasmanian Accumulation Scheme Death and Incapacity Cover Information in this brochure is current as at 18 January 2012 Retirement Benefits Fund Tasmanian

More information

Income Protection Fact Sheet

Income Protection Fact Sheet Income Protection Fact Sheet Who should read this fact sheet? The information in this fact sheet applies to most Defined Contribution (accumulation) members of Energy Super. It is not relevant to Defined

More information

Insurance in your super

Insurance in your super Insurance in your super Employer-sponsored and personal superannuation members. This document was prepared on 3 August 2015. The information in this document forms part of the Statewide product disclosure

More information

NESS Super Insurance changes. NESS Super Insurance changes. NESS Super, we ve got you covered...

NESS Super Insurance changes. NESS Super Insurance changes. NESS Super, we ve got you covered... NESS Super Insurance changes NESS Super Insurance changes NESS Super, we ve got you covered... Insurance Guide Insured Benefits from 1 July 2013 1 Default Insurance cover This information should be read

More information

Insurance and your PSSap super

Insurance and your PSSap super Insurance and your PSSap super Issued 1 July 2013 The information in this document forms part of the Product Disclosure Statement for the Public Sector Superannuation accumulation plan (PSSap), sixth edition,

More information

Super for creative people. INSURANCE GUIDE. Issued 1 July 2014 MY SUPER AUTHORISED PRINT. MEDIA. ENTERTAINMENT. ARTS.

Super for creative people. INSURANCE GUIDE. Issued 1 July 2014 MY SUPER AUTHORISED PRINT. MEDIA. ENTERTAINMENT. ARTS. Super for creative people. INSURANCE GUIDE Issued 1 July 2014 PRINT. MEDIA. ENTERTAINMENT. ARTS. MY SUPER AUTHORISED CONTENTS 1. Protection when you need it most 3 Three types of cover available 3 Which

More information

ANZ Super Advantage INSurANce GuIde

ANZ Super Advantage INSurANce GuIde ANZ Super Advantage Insurance Guide 27 February 2012 ANZ Super Advantage Entity details in this Insurance Guide Name of legal entity Registered numbers Abbreviated terms used throughout this Guide OnePath

More information

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015 BT Business Super Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional Information

More information

FIRSTCHOICE EMPLOYER SUPER

FIRSTCHOICE EMPLOYER SUPER FIRSTCHOICE EMPLOYER SUPER Insurance Issue No 2015/1, dated 18 May 2015 Investments in FirstChoice Employer Super are offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298

More information

Changes to insurance in the IAG & NRMA Superannuation Plan

Changes to insurance in the IAG & NRMA Superannuation Plan Changes to insurance in the IAG & NRMA Superannuation Plan As an accumulation member of the IAG & NRMA Superannuation Plan, you and your family can gain real peace of mind and financial security from knowing

More information

BT Lifetime Super Employer Plan

BT Lifetime Super Employer Plan BT Lifetime Super Employer Plan Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional

More information

WA Super Insurance Guide

WA Super Insurance Guide MY SUPER APPROVED WA Super Insurance Guide The information in this document forms part of the WA Super Product Disclosure Statement, November 2013 You should read the PDS in conjunction with this Member

More information

protecting you and your family

protecting you and your family protecting you and your family Insurance guide Effective 1 July 2015 Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the MyLifeMyMoney Superannuation Fund ABN 50 237 896 957 mylifemyinsurance.com.au

More information

Protecting you and your family. Insurance guide. www.csf.com.au. Effective 1 April 2014

Protecting you and your family. Insurance guide. www.csf.com.au. Effective 1 April 2014 Protecting you and your family Insurance guide Effective 1 April 2014 www.csf.com.au Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the Catholic Superannuation Fund ABN 50 237 896

More information

Insurance Guide Dated 1 July 2012

Insurance Guide Dated 1 July 2012 www.mtaasuper.com.au Phone: 1300 362 415 / Fax: 1300 365 142 Insurance Guide Dated 1 July 2012 The information in this document forms part of the Product Disclosure Statement for MTAA Super dated 1 July

More information

AXA Group Insurance. Group Income Continuance Insurance Policy. Fonterra Welfare Fund. Important Note

AXA Group Insurance. Group Income Continuance Insurance Policy. Fonterra Welfare Fund. Important Note AXA Group Insurance Group Income Continuance Insurance Policy Fonterra Welfare Fund Important Note Cover will not commence under this Policy until all of the following applies: 1. You accept our (the Insurer

More information

Product Information GROUP INSURANCE PRODUCT DISCLOSURE STATEMENT. Steadfast 1

Product Information GROUP INSURANCE PRODUCT DISCLOSURE STATEMENT. Steadfast 1 Product Information GROUP INSURANCE PRODUCT DISCLOSURE STATEMENT Steadfast 1 CONTENTS OVERVIEW Overview 3 General advice notice 3 How to read this document 3 How to contact us 3 About MetLife 4 About Steadfast

More information

REST Super Insurance Guide

REST Super Insurance Guide REST Super Insurance Guide Including Application for insurance Effective 1 January 2016 The information in this document forms part of the REST Super Product Disclosure Statement (PDS) effective 1 October

More information

Inside... Back cover. 1: Your insurance options at a glance 03 2: Death and TPD cover 04 3. Payment of TPD benefits 06 4: Income Protection cover 10

Inside... Back cover. 1: Your insurance options at a glance 03 2: Death and TPD cover 04 3. Payment of TPD benefits 06 4: Income Protection cover 10 Issued 1 July 2015 Insurance in Your Super booklet The information in this document forms part of the Mercy Super Product Disclosure Statement (PDS) Issued by Mercy Super Pty Ltd (ABN 98 056 047 324, AFSL

More information

INSURANCE GUIDE. The Tidswell Master Superannuation Plan. Contact details. Issued on 2 July 2014. Tidswell Financial Services Ltd

INSURANCE GUIDE. The Tidswell Master Superannuation Plan. Contact details. Issued on 2 July 2014. Tidswell Financial Services Ltd The Tidswell Master Superannuation Plan INSURANCE GUIDE Issued on 2 July 2014 Contact details 50 Hindmarsh Square ADELAIDE SA 5000 Phone: (08) 8223 1676 Fax: (08) 8232 1675 Email: mail@tidswell.com.au

More information

LifeProtect Insurance

LifeProtect Insurance LifeProtect Insurance LifeProtect Insurance Brochure Dated: 1 July 2010 Issued by Avanteos Investments Limited (Trustee) ABN 20 096 259 979 AFS Licence No. 245531 Locked Bag 3460 GPO Melbourne VIC 3001

More information

Flexible Lifetime Super

Flexible Lifetime Super Issued ₁ July ₂₀₁₅ Flexible Lifetime Super Insurance fact sheet Registered trademark of AMP Life Limited ABN 84 079 300 379. This document is a fact sheet for the product disclosure statement (PDS) dated

More information

PROTECT YOUR INCOME IF YOU CAN T WORK

PROTECT YOUR INCOME IF YOU CAN T WORK This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 1 April 2014 PROTECT YOUR INCOME IF YOU CAN T WORK FACT SHEET 7 1 APRIL 2014 It s vital that you re prepared

More information

Changes to UniSuper products. AA Leah Heiss, RMIT NOVEMBER 2013. INSURANCE AA What will happen while we transfer our external insurance arrangements

Changes to UniSuper products. AA Leah Heiss, RMIT NOVEMBER 2013. INSURANCE AA What will happen while we transfer our external insurance arrangements Changes to UniSuper products NOVEMBER 2013 Read this brochure to find out about: What will happen while we transfer our external arrangements from Hannover Life Re of Australasia (Hannover) to TAL Life

More information

Insurance guide. Employer Sponsored Division. This guide contains important information about your NSF Super insurance options.

Insurance guide. Employer Sponsored Division. This guide contains important information about your NSF Super insurance options. Insurance guide Employer Sponsored Division This guide contains important information about your NSF Super insurance options. Contents Contents 1. Automatic Death and TPD insurance cover... 3 2. Voluntary

More information

Insurance Guide Date of issue: 1 March 2015

Insurance Guide Date of issue: 1 March 2015 www.mtaasuper.com.au Phone: 1300 362 415 / Fax: 1300 365 142 Insurance Guide Date of issue: 1 March 2015 The information in this document forms part of the Product Disclosure Statement for MTAA Super dated

More information

ENERGY SUPER INSURANCE GUIDE. Prepared and issued 1 July 2015

ENERGY SUPER INSURANCE GUIDE. Prepared and issued 1 July 2015 ENERGY SUPER INSURANCE GUIDE Prepared and issued 1 July 2015 CONTENTS Insurance Overview 1 Death & TPD cover 1 Income Protection cover 10 Other insurance information 18 Definitions 19 ABOUT THIS ENERGY

More information

Wealthpac Superannuation Service Insurance Options

Wealthpac Superannuation Service Insurance Options Date Issued: 12 October 2009 SUPPLEMENTARY PRODUCT DISCLOSURE STATEMENT Wealthpac Superannuation Service Insurance Options Important Notice For Members and Employers This notice is supplementary to the

More information

INSURANCE GUIDE INSIDE. Rebecca Farrell QIEC Super member

INSURANCE GUIDE INSIDE. Rebecca Farrell QIEC Super member INSURANCE GUIDE INSIDE Cover your family How much insurance do you need? Discount insurance products Insurance basics Rebecca Farrell QIEC Super member Prepared 1 June 2012 by the Trustee QIEC Super Pty

More information

Understanding the insurance changes to your Asgard Employee Super Account

Understanding the insurance changes to your Asgard Employee Super Account Understanding the insurance changes to your Asgard Employee Super Account Effective 1 May 2015 In conjunction with AIA Australia Limited (AIA), we are making changes to the insurance premium rates and

More information

Insurance Guide. Insured Benefits for Self-Employed Members. NESS Super... we ve got you covered. 1 July 2015

Insurance Guide. Insured Benefits for Self-Employed Members. NESS Super... we ve got you covered. 1 July 2015 Insurance Guide 1 July 2015 NESS Super... we ve got you covered Insured Benefits for Self-Employed Members Issued 1 July 2015 by NESS Super Pty Ltd ABN 28 003 156 812 RSE Licence No L0000161 as trustee

More information

Tasplan Super Insurance Booklet ISSUED JANUARY 2015

Tasplan Super Insurance Booklet ISSUED JANUARY 2015 Tasplan Super Insurance Booklet ISSUED JANUARY 2015 TASPLAN INSURANCE BOOKLET Contact Details Head Office: Level 8, 1 Franklin Wharf Hobart TAS 7000 Postal Address: GPO Box 1547 Hobart TAS 7001 Telephone:

More information

Macquarie Superannuation Plan Group Income Protection Contract

Macquarie Superannuation Plan Group Income Protection Contract Macquarie Superannuation Plan Group Income Protection Contract This Contract applies to the following products: Macquarie Superannuation Insurance Macquarie Super Manager Life Insurance SuperOptions Insurance

More information

ANZ Smart Choice Super. Insurance Guide For employers and their employees

ANZ Smart Choice Super. Insurance Guide For employers and their employees ANZ Smart Choice Super Insurance Guide For employers and their employees INSURANCe GUIDE 11 NOVEMBER 2013 ANZ Smart Choice Super Entity details in this Insurance Guide Name of legal entity Registered numbers

More information

ADDITIONAL DISABLEMENT INCOME INSURANCE

ADDITIONAL DISABLEMENT INCOME INSURANCE The Victorian Independent Schools Superannuation Fund GPO Box 4324 Melbourne Vic 3001 Level 17, 181 William Street Melbourne Vic 3000 Telephone: (03) 9258 6750 Facsimile: (03) 9258 6711 Email: super@vissf.com.au

More information

FREEDOM OF CHOICE GUIDE. Insurance Guide

FREEDOM OF CHOICE GUIDE. Insurance Guide FREEDOM OF CHOICE GUIDE Date Issued: 1 December 2011 Insurance Guide This Insurance Guide has been prepared and issued by the Trustee, Equity Trustees Superannuation Limited (ABN 50 055 641 757 AFSL 229757)

More information

Manildra Flour Mills Retirement Fund (ABN 32 448 411 930)

Manildra Flour Mills Retirement Fund (ABN 32 448 411 930) Manildra Flour Mills Retirement Fund (ABN 32 448 411 930) Announcement: New Income Protection benefit in the Manildra Flour Mills Retirement Fund from July 2013 The Trustee of the Manildra Flour Mills

More information

Asgard Personal Protection Package

Asgard Personal Protection Package Asgard Personal Protection Package Supplementary Product Disclosure Statement (SPDS) This SPDS is dated 1 February 2009 and relates to the Product Disclosure Statement (PDS) dated 18 February 2008 for

More information

Insurance in your super

Insurance in your super Insurance in your super Fact sheet Information in this fact sheet is current as at 1 July 2015 Contents Overview 1 What is Life cover? 5 How your Life cover works 6 When is your insured benefit payable?

More information

INSURANCE GUIDE For members of Apex Super Fund

INSURANCE GUIDE For members of Apex Super Fund INSURANCE GUIDE For members of Apex Super Fund Apex Super The information in this document forms part of the Product Disclosure Statement of Apex Super Fund dated 1 October 2014. 1 October 2014 Introduction

More information

LIFE, DISABILITY AND INCOME PROTECTION

LIFE, DISABILITY AND INCOME PROTECTION This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 14 August 2015 LIFE, DISABILITY AND INCOME PROTECTION * FACT SHEET 6 14 AUGUST 2015 It s vital that you re prepared

More information

AIA Australia Limited (ABN 79 004 837 861 AFSL 230043) PO Box 6111 St Kilda Road Central VIC 8008 Phone : 1800 333 613 Fax : 1800 832 266 AIA.COM.AU POLICY NO. MP 9926 ENDORSEMENT 4 To be attached to and

More information

Income Protection, Life and Total and Permanent Disablement Insurance for Avant Doctors

Income Protection, Life and Total and Permanent Disablement Insurance for Avant Doctors Aus Income Protection, Life and Total and Permanent Disablement Insurance for Avant Doctors Combined Financial Services Guide and Product Disclosure Statement Avant Insurance Limited ABN 82 003 707 471

More information

PERPETUAL WEALTHFOCUS SUPER PLAN

PERPETUAL WEALTHFOCUS SUPER PLAN PERPETUAL WEALTHFOCUS SUPER PLAN Insurance Book INSURANCE BOOK Dated 17 April 2015 Issued by Perpetual Superannuation Limited ABN 84 008 416 831 AFSL 225246 RSE L0003315 IMPORTANT NOTES This Insurance

More information

Smartsave Group Salary Continuance Policy Document

Smartsave Group Salary Continuance Policy Document MLC Group Insurance Smartsave Group Salary Continuance Policy Document Version 1: 1 April 2010 MLC Limited Registered Office: Telephone: 1800 458 038 Website: mlc.com.au ABN 90 000 000 402 105-153 Miller

More information

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan...

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan... Table of Contents 1 Partnering for Success... 2 Page 2 About Liberty Mutual... 3 3 Supplementing the State's Plan... 4 4 Plan Highlights... 7 5 Questions and Answers... 9 UNC Supplemental Disability 1

More information

Income Protection Policy Addendum Dated 10 October 2010

Income Protection Policy Addendum Dated 10 October 2010 Income Protection Policy Addendum Dated 10 October 2010 Policy Addendum for Income Protection Please read this document and keep it in a safe place with your Income Protection Policy Document. It is important

More information

Insurance Guide Date of issue: 1 December 2012

Insurance Guide Date of issue: 1 December 2012 www.mtaasuper.com.au Phone: 1300 362 415 / Fax: 1300 365 142 Insurance Guide Date of issue: 1 December 2012 The information in this document forms part of the Product Disclosure Statement for MTAA Super

More information

NSW Police Force Police Blue Ribbon Insurance Scheme 2012. Information Pack

NSW Police Force Police Blue Ribbon Insurance Scheme 2012. Information Pack NSW Police Force Police Blue Ribbon Insurance Scheme 2012 Information Pack 1 Contents 1 The Police Blue Ribbon Insurance Scheme (PBRI) effective January 2012...3 2 Income protection...4 3 Disability Tests...6

More information

Insurance Dated 1 March 2012

Insurance Dated 1 March 2012 www.mtaasuper.com.au Phone: 1300 362 415 / Fax: 1300 365 142 Insurance Dated 1 March 2012 The information in this document forms part of the Product Disclosure Statement for MTAA Super dated 1 March 2012

More information

INSURANCE GUIDE For members of Civil Contractors Federation Super Fund

INSURANCE GUIDE For members of Civil Contractors Federation Super Fund INSURANCE GUIDE For members of Civil Contractors Federation Super Fund The information in this document forms part of the Product Disclosure Statement of the Civil Contractors Federation Super Fund dated

More information

How much insurance cover?

How much insurance cover? How much insurance cover? We consider life and TPD insurance coverage to be family protection it is about protecting your family. Life Insurance The purpose of life insurance is to provide your dependants

More information

5. Your insurance options

5. Your insurance options 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

More information

Your life your fund REI Super Insurance Guide

Your life your fund REI Super Insurance Guide Your life your fund REI Super Insurance Guide 1 July 2016 CONTENTS 1. REI Super Insurance at a glance 2. Your insurance options 3. Death and Total and Permanent Disablement (TPD) Insurance 4. Changing

More information

Insurance Booklet. IOOF Portfolio Service Corporate Superannuation IOOF Portfolio Service Employer Superannuation

Insurance Booklet. IOOF Portfolio Service Corporate Superannuation IOOF Portfolio Service Employer Superannuation Insurance Booklet IOOF Portfolio Service Corporate Superannuation IOOF Portfolio Service Employer Superannuation Part 3: Insurance Booklet Supplementary Product Disclosure Statement Dated: 1 November 2007

More information

Zurich Life Risk Zurich Income Replacement

Zurich Life Risk Zurich Income Replacement Product Summary Issued 1 March 2015 Zurich Life Risk Zurich Income Replacement Adviser use only Summary These tables outline the in-built benefits, optional extras and product parameters for Zurich Income

More information

SUPERANNUATION. Integra Super OnePath Life Limited. Insurance Guide

SUPERANNUATION. Integra Super OnePath Life Limited. Insurance Guide SUPERANNUATION Integra Super OnePath Life Limited Insurance Guide 27 February 2012 Integra Super Entity details in this Insurance Guide Name of legal entity Registered numbers Abbreviated terms used throughout

More information

Group Income Protection Technical Guide

Group Income Protection Technical Guide For commercial customers and their advisers only Group Income Protection Technical Guide Reference BGR/4019/OCT12 Contents Page Its aims Employers your commitment Risk factors How does the policy work?

More information

Group Income Protection For Employees

Group Income Protection For Employees Group Income Protection For Employees Product Disclosure Statement Issue Date 1 September 2011 Contents 1 About this document 2 How CivilCover works 2 About Hannover 3 About Coverforce 3 CivilCover administration

More information

Personal Choice Private Insurance Service

Personal Choice Private Insurance Service Personal Choice Private Insurance Service Product Disclosure Statement I Issue date: 28 March 2011 Life Protection Total & Permanent Disablement (TPD) Salary Continuance Please read this Product Disclosure

More information

Make the most of every investment opportunity.

Make the most of every investment opportunity. INTRODUCTION The purpose of this Plan is to provide you with an income in the event of a loss of earnings due to disability for a period of more than six months. The rates, terms and conditions of the

More information

Insurance Guide. Superannuation Master Fund. 1 June 2015. Super Accelerator Super Wrap. Issuer/trustee details: netwealth Investments Limited

Insurance Guide. Superannuation Master Fund. 1 June 2015. Super Accelerator Super Wrap. Issuer/trustee details: netwealth Investments Limited Insurance Guide Superannuation Master Fund 1 June 2015 Super Accelerator Super Wrap Gold rating Standard Income Stream and Personal Super* SuperRatings does not issue, sell, guarantee or underwrite this

More information

Product Disclosure Statement Insurance Guide ING Life Limited

Product Disclosure Statement Insurance Guide ING Life Limited Product Disclosure Statement Insurance Guide ING Life Limited Effective 1 October 2007 The Employer PDS is comprised of: Employer Guide Member Guide Investment Choice Guide Insurance Guide (this guide)

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement 30 September 2013 ClearView LifeSolutions is issued by ClearView Life Assurance Limited: ABN 12 000 021 581, AFS Licence No. 227682. ClearView LifeSolutions Super is issued

More information

Important news for MTAA Super members

Important news for MTAA Super members Dear member, Important news for MTAA Super members I am writing to advise you of some important changes to your insurance cover with MTAA Super that will come into effect on 1 March 2015. MTAA Super understands

More information

St.George Protection Plans for Mortgage Customers

St.George Protection Plans for Mortgage Customers St.George Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a

More information

Product Summary Zurich Income Replacement Insurance Plus

Product Summary Zurich Income Replacement Insurance Plus Zurich Life Risk Product Summary Zurich Income Replacement Insurance Plus Zurich proudly supports Adviser use only. Preparation Date: 1 April 2008 Zurich Australia Limited ABN 92 000 010 195 AFSLN 232510

More information

Group Life Insurance

Group Life Insurance Group Life Insurance Policy Schedule Policy Owner Bar Association of Queensland ABN No: 78 009 717 739 Policy Number 55001027 Policy Commencement Date 1 July 2011 Policy Type Annual Review Date Ordinary

More information

BT Protection Plans for Mortgage Customers

BT Protection Plans for Mortgage Customers BT Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a Combined

More information

Risk Protection Plan. Product Disclosure Statement. Glenelg, SA. Commencement date 1 June 2011

Risk Protection Plan. Product Disclosure Statement. Glenelg, SA. Commencement date 1 June 2011 Risk Protection Plan Product Disclosure Statement Commencement date 1 June 2011 Glenelg, SA Important information Contents Who might need the Risk Protection Plan? 3 The Risk Protection Plan at a glance

More information

Reliance Super (a membership category of Maritime Super) Maritime Super Division Insurance Supplement

Reliance Super (a membership category of Maritime Super) Maritime Super Division Insurance Supplement Reliance Super (a membership category of Maritime Super) Maritime Super Division Insurance Supplement 1 July 2015 About this Supplement The information in this Supplement forms part of the Reliance Super

More information

Optional Income Protection Insurance Cover

Optional Income Protection Insurance Cover Optional Income Protection Insurance Cover Members of AMIST Super may apply for Income through the fund. This insurance provides benefits in the event that you are unable to work in your current occupation

More information

SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited

SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited Issued 30 June 2014 AMP Corporate Super The information in this Fact Sheet forms part of the SignatureSuper

More information

Insurance in your superannuation 3. Death and Total and Permanent Disablement (TPD) cover 3. Income protection cover 8. The Insurer s definitions 12

Insurance in your superannuation 3. Death and Total and Permanent Disablement (TPD) cover 3. Income protection cover 8. The Insurer s definitions 12 1 July 2014 JUMP TO Insurance in your superannuation 3 Death and Total and Permanent Disablement (TPD) 3 Income protection 8 The Insurer s definitions 12 Nominating your beneficiary 16 The information

More information

Macquarie Life. Macquarie Life Smart insurance solutions made simple

Macquarie Life. Macquarie Life Smart insurance solutions made simple Macquarie Life Macquarie Life Smart insurance solutions made simple Product Disclosure Statement issued by Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 Dated 9 November 2007 Contents 01 The importance

More information

INCOME PROTECTION DEFINITIONS

INCOME PROTECTION DEFINITIONS INCOME PROTECTION (IP) COVER DEFINITIONS We can provide a copy of our full Group Income Protection Policy document upon request. Please contact 1300 133 177 if you would like us to send you a copy. DEFINITIONS

More information

Group Income Protection For Employees. Product Disclosure Statement Issue Date 1 September 2011 (Updated March 2014)

Group Income Protection For Employees. Product Disclosure Statement Issue Date 1 September 2011 (Updated March 2014) Group Income Protection For Employees Product Disclosure Statement Issue Date 1 September 2011 (Updated March 2014) Contents 1 About this document 2 How CivilCover works 2 About Hannover 3 About Coverforce

More information

The Insurer s definitions 12. Nominating your beneficiary 16

The Insurer s definitions 12. Nominating your beneficiary 16 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

More information

In this time of fiscal responsibility, businesses need to. Employee benefits better in super

In this time of fiscal responsibility, businesses need to. Employee benefits better in super 46 Insurance Jeffrey Scott, executive manager, InsuranceTech, CommInsure Jeffrey Scott joined CommInsure in June 2002, and was promoted to his present role of executive manager InsuranceTech, in January

More information

Core Super MySuper. Insurance & Other Important Information 3 August 2015

Core Super MySuper. Insurance & Other Important Information 3 August 2015 Core Super MySuper Insurance & Other Important Information 3 August 2015 As a Core Super MySuper member you have Income Protection as well as Life and Total and Permanent Disablement [TPD] Insurance available

More information

sample Gold Disability Income Cover

sample Gold Disability Income Cover Gold Disability Income Cover Here is some important information about Gold Disability Income Cover. Please read this policy document and then keep it in a safe place. 1 Please take the time to read this

More information

Protection Plans for Mortgage Customers

Protection Plans for Mortgage Customers Westpac Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a Combined

More information

Group Income Protection For Employees

Group Income Protection For Employees Group Income Protection For Employees Product Disclosure Statement Issue Date 1 February 2014 Contents 1 About this document 2 Important notes 2 About Hannover 3 About UPlus 3 UPlus administration 3 How

More information

University College Dublin UCD Income Continuance Plan. Member s Booklet

University College Dublin UCD Income Continuance Plan. Member s Booklet University College Dublin UCD Income Continuance Plan Member s Booklet September 2014 2 UCD Income Continuance Plan INTRODUCTION This explanatory booklet was produced by Friends First and provides a brief

More information

Group Long Term Disability Insurance

Group Long Term Disability Insurance Group Long Term Disability Insurance The California State University S T A N D A R D I N S U R A N C E C O M P A N Y The following is a brief description of some of the coverage highlights for the California

More information

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance

More information