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

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1 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 in this document provides additional information to the Russell SuperSolution Product Disclosure Statement for General Division dated 1 July This document is produced by the Trustee of the Russell SuperSolution Master Trust (Fund, Plan or Russell SuperSolution), Total Risk Management Pty Ltd (Trustee), ABN The Trustee s Australian Financial Services Licence (AFSL) number is The Russell SuperSolution 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 and you make a claim for a disablement benefit, the Trustee of Russell SuperSolution 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 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) If you have transferred to the General Division because you have left employment or made a Choice of Fund election, the insured Death and TPD benefits that you had as a member of the Employer Division will be reinstated once your General Division membership has been established. Your reinstated will be equivalent to the value held in the Employer Division (i.e. your existing will be rounded up to the next whole unit of in General Division). Your Occupational Category will be defaulted to Standard, unless you were transferred from a Plan where you had previously been assessed as Low Risk or Professional Category. Converting your Death and TPD For example, a 40 year old member changed jobs and transferred from the Employer Division into the General Division. The member s Death and TPD insurance in the Employer Division was $345,000. At transfer the member automatically receives $385,000 (5 units at $77,000 per unit) of Death and TPD with Standard Occupation Category. The insurance fee payable by the member is $8.30 per week. Any special terms that may have applied to your insured Death and TPD benefits in the Employer Division will generally carry across to the General Division. Note, there may be a period during which you are uninsured if there is a delay in your employer notifying the Trustee of your termination of employment or change in circumstances. In addition, if you left employment more than 6 months before the creation of your membership in the General Division, your may be limited* until you are At Work*. Although your insurance will commence from the date you join the General Division, the insurance will not be formally in force until the first insurance fee is paid to the Insurer. Insurance fees for your reinstated are not deducted from your account until your Employer Division benefit has been transferred. When this happens, any arrears in insurance fees will be deducted. This normally occurs at the time of the next monthly fee deduction on the last business day of the month. However, it may occur earlier if you elect to leave the General Division before the monthly fee deduction has been made. If you leave your General Division account within 35 days of joining, you will not be entitled to any insurance and no insurance fees will be deducted from your account. p3 For more information and forms, visit or call Helpline

4 Limited and At work are defined in the insurance policy as below: *Limited Cover **At Work means you are ed for claims arising from: (a) an illness the symptoms of which first became apparent; or (b) an injury which first occurred on or after commencement of and which is not directly or indirectly related to a Pre-Existing Condition. means: 1) For a person who is: (a) employed with an employer: the person is actively performing or capable of actively performing all of the duties and work hours (for at least 30 hours per week) of his or her usual occupation with his or her Employer, free from any limitation due to illness or injury. A person who is on employer-approved leave for reasons other than illness or injury, who would otherwise be capable of performing his or her usual occupation will be considered as having met the requirements of this definition; or (b) self-employed: the person is actively performing or capable of actively performing all of the duties and work hours (for at least 30 hours per week) of his or her usual occupation, free from any limitation due to illness or injury; or (c) unemployed: the person is capable of actively performing all of the duties and work hours (for at least 30 hours per week) of his or her usual occupation prior to becoming unemployed, free from any limitation due to illness or injury; or (d) engaged exclusively in unpaid Domestic Duties, the person is actively performing or capable of performing all of their full time unpaid Domestic Duties, free from any limitation due to illness or injury; and 2) The person is not entitled to, or receiving, income support benefits relating to illness or injury, from any source including but not limited to workers compensation benefits, statutory transport accident benefits and disability income benefits. A person who does not meet this definition is correspondingly described as being not At Work. If you have transferred to the General Division for other reasons other than you have left your employment or made a Choice of Fund election, your insured Death and TPD in the General Division would have been explained to you separately at the transfer time. If you have joined the Plan as an individual rather than via the Employer Division, you will need to apply for any insurance you wish to have. There are two types of available, can be age-based unitised (i.e. the value of each unit varies with your age) or can be a fixed dollar amount (i.e. fixed that does not reduce with age). However, it cannot be a combination of both. You can apply to be insured for an unlimited amount of Death insurance and up to a maximum of $3million of TPD insurance. You can also request a change to your insurance at any time. All new or additional insurance is underwritten, which means that you will be asked to provide health evidence to the insurer. Insurance 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 unitised For age-based unitised, 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. p4 For more information and forms, visit or call Helpline

5 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 Table 2 Age next birthday Value of each Death or Death and TPD unit Annual cost per $1,000 of annual Income Protection Benefit Standard Low Risk Professional , , , , , , , , , , , , , , , , , , , , , , , , , p5 For more information and forms, visit or call Helpline

6 Age next birthday Value of each Death or Death and TPD unit Annual cost per $1,000 of annual Income Protection Benefit Standard Low Risk Professional 41 77, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , p6 For more information and forms, visit or call Helpline

7 Fixed If you don t want your insurance to reduce each year, you can apply to fix the dollar amount of your Death and TPD. The insurance fees payable will increase with your age. Table 3 shows the insurance fees associated with Fixed Death and TPD. Table 3 Age Next Birthday Death Only Insurance fee per $1000 of Occupational Category Standard Low Risk Professional Death and TPD Insurance fee per $1000 of Death Only Death and TPD Death Only Insurance fee per $1000 of Insurance fee per $1000 of Insurance fee per $1000 of Death and TPD Insurance fee per $1000 of p7 For more information and forms, visit or call Helpline

8 Age Next Birthday Death Only Insurance fee per $1000 of Occupational Category Standard Low Risk Professional Death and TPD Insurance fee per $1000 of Death Only Death and TPD Death Only Insurance fee per $1000 of Insurance fee per $1000 of Insurance fee per $1000 of Death and TPD Insurance fee per $1000 of 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 Income protection 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. If you have transferred to the General Division because you have left employment or made a Choice of Fund election, your Income Protection (if any) will continue and will be based on the salary held for you in the Employer Division. Please inform us when your salary changes as this will change your Income Protection. If you have joined the Plan as an individual rather than via the Employer Division, you will need to apply for any insurance you wish to have. p8 For more information and forms, visit or call Helpline

9 Any new or update to the insured amount is subject to the insurer s approval, and you may be required to provide health evidence. The cost of depends on your age as shown in Table 2. Any benefit payment is subject to the terms and conditions in the insurance policy. Payment of Insurance fees Insurance fees for insurance 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 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 Plan if you want to retain your insurance benefits. Opting out of insurance You can opt out of your insurance at any time by sending us a completed Insurance Request Form. Occupational Categories The Death & TPD and Income Protection benefits in General Division 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. p9 For more information and forms, visit or call Helpline

10 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 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 which is calculated as follows: = Base Salary x 75% = $50,000 x 75% = $37,500 per year The insurance fees would be calculated as: = Annual benefit / $1,000 x Low Risk rate for age next birthday 36 years = $37,500 /1,000 x 0.58 = $21.75 per year = $0.42 per week Insurance while overseas Usually you are ed for insurance 24 hours a day, worldwide. It is important to be aware that your 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. 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 ed 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 ed for up to 3 months. This period can be extended subject to the insurer s prior written approval. Bundled Please be aware that TPD is bundled with Death to form Death and TPD. If you have a higher insured benefit for Death than for TPD, the additional amount stands alone as Death only. Any insured TPD benefit paid to you will reduce the Death and TPD portion of your to zero. Similarly, if you are paid a Death benefit you may not also claim a TPD benefit. p10 For more information and forms, visit or call Helpline

11 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 would like to make a claim for a Terminal Illness benefit, a TPD benefit, an Income Protection benefit or advise the Plan of a member s death, please contact the Plan on for the appropriate forms and documents to be sent to you. All claims involving insurance are assessed by both the insurer and the Trustee. You should notify the Plan as soon as possible of any claim for a TPD benefit. It is highly recommended that you obtain medical evidence documenting the state of your health and your ability to work in any occupation, for which you are suited by education, training or experience, at or shortly after the time you stop working. If your claim is delayed or you do not have evidence dating to the time you stopped working, the likelihood of your claim being approved by the insurer reduces significantly. If the insurer declines to pay your claim, the benefit is restricted to your account balance. Successful claims and insurance proceeds If your TPD or Terminal Illness claim is successful, any insurance proceeds will be credited to your account with the Plan. If you no longer hold an account with the Plan, a new account will be opened for you in the General Division and the insurance proceeds will be invested in the MySuper Portfolio, Russell Balanced Opportunities Portfolio, until you instruct us otherwise. Any insurance proceeds received in the event of your death are placed into your account with the Plan and will remain invested in the Plan until the Trustee has made a determination on how your account balance is to be distributed. Note, where you are a MySuper member, death insurance proceeds will be invested in the Russell Balanced Opportunities Portfolio and where you have provided or confirmed an investment direction, the death insurance proceeds will be invested in the Russell Australian Cash Portfolio. If your Income Protection claim is successful, the insurance proceeds are generally paid directly to you by cheque or by EFT to your nominated bank account. PAYG tax will be deducted. Death benefit payments and anti-detriment amounts In the event your death benefit is distributed to your dependants, your dependants (beneficiaries) may be entitled to an anti-detriment payment from the Plan. An antidetriment payment is paid as a lump sum in addition to the deceased member s account balance. The anti-detriment amount is 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 call our Helpline for more information. 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; p12 For more information and forms, visit or call Helpline

13 OR 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 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 SuperSolution 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 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_GDIV_InsuranceGuide_V1F_1406

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