ADDITIONAL DISABLEMENT INCOME INSURANCE

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1 The Victorian Independent Schools Superannuation Fund GPO Box 4324 Melbourne Vic 3001 Level 17, 181 William Street Melbourne Vic 3000 Telephone: (03) Facsimile: (03) Website: Trustee: VIS Nominees Pty Ltd Australian Business No.: Australian Financial Services Licence No.: ADDITIONAL DISABLEMENT INCOME INSURANCE The Fund has an arrangement with its insurer whereby members who meet certain conditions can take out additional Disablement Income cover No insured disablement income benefit is available for permanent part-time employees working less than 15 hours per week or casual employees. To be eligible to make a claim you must be working 15 hours or more 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). Total Disability or Total Disablement means that as a result of an Accident or Sickness, you are: unable to perform at least one of the duties of your occupation necessary to produce income; not working in any occupation; and under the care of a medical practitioner. The benefit is paid monthly in arrears and is subject to a 90 day qualifying period. During the 90 day qualifying period you must be absent from employment and perform no form of work whatsoever. Payment of the benefit will be subject to ongoing assessment by the Fund insurer during the benefit payment period. MAXIMUM BENEFIT PAYABLE In the event of a claim, the maximum benefit payable is the lesser of the following: 85% of salary (75% payable to you and 10% payable as a superannuation contribution to your Member Account in the Fund) $25,000 per month; or The amount of your insured benefit. The amount of your disablement income benefit is the total of the cover you received when you joined the Fund and any voluntary cover you may have been granted. The income benefit is reduced by any sick leave payments you receive, any amount received from WorkCover, worker s compensation, any other insurance you may have or any partial salary that you may earn. Payment of the disablement income cover will cease if any of the following occur: you cease to satisfy the definition of Total Disability or Partial Disability (as applicable); the maximum benefit period elapses; you reach your 65th birthday; or you die. YOU CAN CHOOSE HOW LONG THE BENEFIT WILL BE PAID The benefit period is the maximum length of time the disablement income benefit will be paid. You can elect to have a benefit period of: two years; five years; or to your 65 th birthday. The longer the benefit period the greater the premiums.

2 HOW DO I PAY FOR THE ADDITIONAL INSURANCE COVER? The insurance cost is calculated on the number of days in a month and is deducted from your Member Account at the beginning of each month. YOU CAN CHOOSE EITHER FIXED COVER OR UNITS OF COVER You have the option of applying for: a number of age based units OR a fixed dollar amount of cover of 85% of salary (75% payable to you and 10% payable as a superannuation contribution into your Member Account in the Fund) of disablement income insurance. You should note that if you have unitised cover the amount of your insurance will decrease as you get older. UNITISED COVER The amount of each additional unit of insurance cover depends on your age at the later of the day the insurer accepts your application or the previous 1 February. If you opt for unitised cover, the cost per unit for each available benefit period is as follows: 2 year period is $1.00 per unit per week; 5 year period is $1.37 per unit per week; or to age 65 is $2.61 per unit per week. The amount of one unit of cover is shown in the following table: One Unit of Age next birthday Monthly Benefit $ Up to 35 3, , , , FIXED DOLLAR COVER With fixed dollar cover you can choose cover of 85% of your salary (75% payable to you and 10% payable as a superannuation contribution into your Member Account in the Fund) and how long the benefit will be paid. This cover will not change unless you advise the Fund of a new salary. However, for a higher disablement income benefit to be granted due to an increase in salary without you having to provide acceptable evidence of good health to the Fund s insurer, you must advise the Fund of your increased salary within 4 months of the salary increase and provide proof of the date and increase in salary.

3 The annual premium rates for fixed dollar cover in the following three tables are current from 1 February 2011, and apply for each $1,000 of annual insured disablement income benefit. The Fund s insurer generally reviews the cost of insurance cover every three years. AGE NEXT BIRTHDAY 2 YEAR BENEFIT 5 YEAR BENEFIT TO AGE 65 Male Female Male Female Male Female 16 $0.81 $0.88 $1.11 $1.25 $1.85 $ $0.82 $0.91 $1.15 $1.30 $1.88 $ $0.84 $0.93 $1.18 $1.32 $1.94 $ $0.86 $0.95 $1.19 $1.33 $1.99 $ $0.86 $0.96 $1.20 $1.37 $2.03 $ $0.87 $0.97 $1.23 $1.38 $2.06 $ $0.82 $0.99 $1.18 $1.41 $1.99 $ $0.78 $1.01 $1.11 $1.44 $1.93 $ $0.77 $1.01 $1.06 $1.46 $1.87 $ $0.73 $1.03 $1.02 $1.47 $1.81 $ $0.70 $1.04 $0.99 $1.51 $1.76 $ $0.69 $1.10 $0.99 $1.60 $1.76 $ $0.69 $1.14 $0.99 $1.69 $1.76 $ $0.70 $1.20 $1.00 $1.75 $1.79 $ $0.72 $1.24 $1.04 $1.83 $1.85 $ $0.73 $1.28 $1.05 $1.92 $1.93 $ $0.76 $1.33 $1.12 $2.00 $1.99 $ $0.77 $1.38 $1.13 $2.07 $2.06 $ $0.81 $1.43 $1.18 $2.16 $2.17 $ $0.82 $1.50 $1.23 $2.27 $2.30 $ $0.88 $1.59 $1.30 $2.42 $2.44 $ $0.93 $1.69 $1.37 $2.59 $2.60 $ $1.01 $1.82 $1.50 $2.82 $2.84 $ $1.09 $1.97 $1.63 $3.07 $3.09 $ $1.19 $2.17 $1.78 $3.37 $3.38 $ $1.30 $2.38 $1.96 $3.71 $3.73 $ $1.43 $2.62 $2.14 $4.11 $4.09 $ $1.57 $2.87 $2.37 $4.55 $4.52 $ $1.69 $3.17 $2.61 $5.04 $4.99 $ $1.87 $3.49 $2.89 $5.59 $5.53 $ $2.06 $3.84 $3.20 $6.21 $6.13 $ $2.29 $4.24 $3.60 $6.90 $6.85 $ $2.57 $4.69 $4.04 $7.68 $7.64 $ $2.87 $5.18 $4.52 $8.52 $8.45 $ $3.20 $5.70 $5.11 $9.45 $9.26 $ $3.59 $6.27 $5.76 $10.48 $10.09 $ $4.02 $6.86 $6.51 $11.55 $11.23 $ $4.52 $7.50 $7.34 $12.71 $12.47 $ $5.08 $8.18 $8.29 $13.98 $13.79 $ $5.70 $8.90 $9.39 $15.32 $15.23 $ $6.40 $9.68 $10.61 $16.76 $16.73 $ $7.18 $10.47 $11.98 $18.28 $18.23 $ $8.03 $11.30 $13.50 $19.88 $19.75 $ $8.97 $12.16 $15.22 $21.57 $21.22 $ $10.04 $13.07 $17.14 $23.33 $22.54 $ $11.23 $14.00 $18.26 $23.58 $23.58 $ $12.53 $14.96 $18.76 $22.89 $24.24 $ $14.02 $16.01 $18.68 $21.41 $24.12 $ $12.68 $13.78 $16.14 $17.54 $20.86 $ $6.38 $6.03 $8.12 $7.67 $10.50 $9.90

4 HOW DO I APPLY FOR THE ADDITIONAL INSURANCE COVER? If you wish to apply for additional disablement income cover you should indicate your current salary OR the number of units required AND in either instance the required benefit period on the form accompanying this document and return the form to the Fund. You will also need to complete a Personal Statement form (it asks questions about your state of health) which you must return to the Fund. The form will then be sent to the Fund s insurer who will assess your application and decide whether your application will be accepted or rejected. The Trustee will inform you of the insurer s decision. If your application is accepted, your additional insurance cover will commence from the date that the insurer accepts your application. RECURRENT DISABLEMENT BENEFIT If, within six months after cessation of an entitlement to receive a Total or Partial Disability income benefit, you suffer are a recurrence of Total or Partial Disability which, in the Fund s insurer s option, has arisen for the same or related cause or causes as the earlier Total or Partial Disability, and if insurance cover has not ceased then subject to meeting the claim requirements, a disability income benefit may be payable where: the waiting period will be waived; and the successive periods of Total or Partial Disability will be regarded as one continuous period. INTERIM ACCIDENTAL COVER Where a member applies for cover which requires provision of medical evidence (evidence of health) for assessment, the insurer may provide interim accident cover (i.e. cover in the event of an Accident, Accident means the occurrence of an injury caused directly or solely by some violent accidental external and visible means capable of direct proof). The amount of the interim cover will depend on the amount of the member s existing cover and the amount of new or additional cover for which the member is applying. Interim Accident Cover starts on the date the Fund insurer receives your fully completed Personal Statement and ceases on the first to occur of: ninety (90) days after the date the Interim Accident Cover commenced; when the Fund insurer completes its assessment and accepts, limits, defers, applies special conditions or declines the cover which is subject to underwriting; you withdraw your application for cover or you cease to be an eligible person under the Fund; you reach the age your insurance cover ceases; in the case of Interim Accident Cover for Total & Permanent Disablement and Total Disability Income Benefit, when the person dies; or the insurance policy ends. No benefit will be paid under Interim Accident Cover where the death or disablement is caused directly or indirectly by: (a) travelling by air other than as a passenger in a fully licensed standard type aircraft owned and/or operated by a recognised airline over an established air route; (b) being mentally unsound, or by intoxicating liquor, narcotics or drugs and is consequently rendered less capable than usual of taking care of himself or herself; (c) a consequence of war (whether declared or not); (d) a consequence of an intentional criminal act; (e) a consequence of motor racing; (f) mountaineering, parachute jumping, hang-gliding or other like activity; or a consequence of a professional sport of any kind.

5 Limits on Interim Disablement Income Cover: interim accident cover will only apply if the member s existing cover is less than $6,000 per month. the maximum interim accident cover will be the lesser of: o $6,000 per month; or o the amount of cover being sought. Examples Sue has existing cover of $4,000 per month and wishes to increase it to $8,000 per month. Sue would be entitled to interim accident cover of $2,000 per month. Mario has no existing cover and wishes to take out cover of $8,000 per month. Mario would be entitled to interim accident cover of $6,000 per month. Li has existing cover of $6,000 per month and wishes to increase it to $8,000 per month. Li would not be entitled to any interim accident cover.

6 The Victorian Independent Schools Superannuation Fund GPO Box 4324 Melbourne Vic 3001 Level 17, 181 William Street Melbourne Vic 3000 Telephone: (03) Facsimile: (03) Website: Trustee: VIS Nominees Pty Ltd Australian Business No.: Australian Financial Services Licence No.: APPLICATION FOR ADDITIONAL DISABLEMENT INCOME INSURANCE Full Name Date of Birth Address Employer (School) Member No. Please select the benefit period and the number of units or provide your gross salary: BENEFIT PAYMENT PERIOD 2 YEARS 5 YEARS TO AGE 65 UNITS OF COVER... units OR GROSS ANNUAL SALARY $ p.a... Signature of member.. Date

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