Optional Income Protection Insurance Cover
|
|
- Jessica Cain
- 8 years ago
- Views:
Transcription
1 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 (with a participating AMIST Super employer) due to illness or physical incapacity. For you to qualify for cover the employment contract must be for a period of no less than 12 months, requiring you to perform identifiable duties for a regular number of hours each week and provide for annual leave, sick leave and long service leave. You can take out income protection insurance to provide you with a monthly benefit paid for up to two years if you are unable to work because of sickness or injury. To apply for cover you will need to complete the Application for insurance Group Risk Personal Statement form. Please contact the AMIST Super Member Hotline on for a copy of the form. Depending on the level of your cover the insurer may require further health or other evidence to assess your application. If you are accepted for Income Protection cover, the maximum benefit payable will be the lower of: 75% of your average monthly income (before bonuses) for the last twelve consecutive months; $10,000 per month You need to take into account these maximum levels of cover when you choose the number of units of income protection insurance cover you take out. Units of income protection cover provide $100 of monthly benefit each. For example, if you want $2,500 worth of monthly income protection cover, you need 25 units. The minimum insured income protection benefit for eligible members is $1,000 per month (that is 10 units). Once you have chosen the level of income protection cover, it is important that you review the number of units of cover that you have on a regular basis to make sure that you have an adequate level of cover. When does Income commence? Cover will commence from the date you are accepted for cover by the insurer. For you to be accepted, you must complete the application for insurance to the satisfaction of the Insurer. The Insurer may from time to time require further medical evidence to assess your requested level of cover. When does Income cease? Cover for an insured member ceases on the earlier of the: Death of the member; or Cover expiry age being 65 years; or Date the fund receives written advice from the member that he or she wants to cancel his or her cover; or 120 days from the end of the month in respect of which the last on time employer contribution was paid; or Person is no longer a member of AMIST Super; or Date on which the member s account balance is insufficient to cover the next premium deduction; or End of the Payment Period; or Date the member joins any armed forces, other than the Australian Armed forces reserve; or Date the policy terminates; or Date the AMIST Super group life policy terminates. When does the income protection benefit commence? The income protection insurance benefit will be paid monthly in arrears and will start after you have been totally disabled continuously for longer than the waiting period. The waiting period can be 30, 60 or 90 days as nominated by the member. The benefit will not commence until the insurer has approved the claim. What does totally disabled mean? A member is totally disabled if, because of sickness or injury, he or she is: a) unable to perform at least one income producing duty of his or her occupation; and b) under the regular care of, and following the advice of, a medical practitioner; and c) not working in any occupation, whether or not for reward. Income Producing Duty means: A duty of the member s occupation immediately before he or she became disabled which generates 20% or more of the member s income. Partial Disability: If, after being totally disabled, you are assessed to be only partially disabled during the benefit payment period, you may still be eligible to receive part of the monthly benefit. An insured member is partially disabled if he or she is not totally disabled but, because of sickness or injury, he or she: a) has been totally disabled for at least the relevant waiting period being 30, 60 or 90 days; b) is unable to work in his or her own occupation at full capacity immediately after he or she became totally disabled because of the sickness or injury that caused his or her total disability; c) is working in his or her own occupation in a reduced capacity, or working in another occupation; d) earns a monthly income that is less than his or her pre-disability income; and e) is under the regular care of, and following the advice of, a medical practitioner. 17
2 Optional Income Protection Insurance Cover - continued When does your income protection benefit end? The benefit is payable monthly in arrears from the end of the waiting period until one of the following happens: a) the insured member is no longer totally or partially disabled; b) the benefit payment period ends; c) the insured member dies; or d) the insured member reaches age 65 or such other expiry date as agreed. How much is the monthly income protection benefit? The amount of the benefit payable each month will be the lesser of: a) the monthly benefit reduced by the amount of disability income paid, or which is required to be paid, in respect of the member s sickness or injury; and b) 75% times the member s monthly predisability income; and the amount of the insured monthly benefit. Your monthly income protection insurance benefit will be reduced by any disability income you may receive. Disability income means income or equivalent payments as a result of your sickness or injury including: a) any income (other than benefits received under this policy) or commutation of income, paid or payable in respect of an insured member as a result of the insured member s sickness or injury including: i) sick leave payments; ii) social security payments; iii) any amounts payable under legislation such as workers compensation or motor accident compensation; and iv) any benefits payable under other income protection insurance policies; b) any income earned by the insured member from personal exertion while disabled, but excluding any such income earned from the employer; and c) any income which, in our opinion, the insured member could reasonably be expected to earn in his or her occupation while disabled. Reinstatement of Income Where cover ceases through the fund due to you ceasing employment, cover may be reinstated at the previous units and type of cover immediately prior to cover last ceasing provided certain conditions are met. For more information please contact the AMIST Super Member Hotline on Increase in cost of Income The insurer may increase the cost of any insurance cover offered by AMIST Super. We will provide you with at least 30 days prior written notice where this occurs. Worldwide cover for Income Cover is available outside Australia for a maximum of thirteen weeks for you unless we agree in writing before you leave Australia. After this period we may apply a restriction to the cover or a loading to the premium where you are travelling in highrisk countries as identified by us. Insured Members travelling overseas for more than thirteen weeks must notify the fund/ Insurer using our leave without pay form prior to leaving the country. We cannot guarantee cover if you travel overseas for more than thirteen weeks without first notifying us. This restriction on cover outside Australia only applies to you if you are no longer employed by your Participating employer or are on leave without pay or mandated employer contributions are no longer being made to AMIST Super for you by your Participating employer. If you are on fully paid leave, including annual leave or long service leave, and mandated employer contributions are being made for you to AMIST Super, you will continue to be covered while overseas for more than 13 weeks. Cover will not be provided for claims arising from war. Cost of Income Protection insurance cover The cost of income protection insurance cover depends on the premium rate that applies for your gender, age, occupation (Group 1, 2 or 3) and the waiting period you choose. To work out the monthly premium for your age and job tasks, refer to the premium rate tables on the following pages. Please note that the Insurer will determine which Group is applicable to your occupation based on the information provided on your application form. Occupations are categorised in 3 groups: Group 1: Insured members who perform only non-manual duties and work at least 75% of the time in an office environment and have done so for the last 12 months. Group 2: Insured members who do not qualify as Group 1 or Group 3 members. There may be some hazardous occupations for which cover will not be offered, this will be assessed on a case by case basis by the insurer. Group 3: Insured members who work in the meat industry in an occupation that the insurer considers as high risk such as: Abattoir workers; Butcher/meat worker within an abattoir; Butcher/meat worker cold store/ process worker; Butcher/meat worker packer; and Slaughterer or any other similar occupation within the meat industry. Look up your age last birthday in the left hand column and then multiply the corresponding figure in the next columns for the waiting period and number of units of income protection insurance cover you want. The premiums in the tables show the annual premium per unit of cover. The cost of cover is deducted monthly from your member account. 18 AMIST Super Product Disclosure Statement February 2009
3 Circumstances where Income Protection insurance benefits will not be payable There are some circumstances where an income protection insurance benefit will not be payable. Income protection insurance benefits will not be payable if your sickness or injury is caused directly or indirectly from: Your service in the armed forces of any country, Any war or act of war (whether declared or not), revolution, invasion, rebellion or civil uprising, or Any self inflicted act whether or not you were sane at the time, or Normal pregnancy or childbirth. Where normal pregnancy or childbirth means normal and uncomplicated pregnancy or childbirth, including multiple pregnancy, caesarean birth, threatened miscarriage, participation in in-vitro fertilisation or other medically assisted fertilisation techniques and normal discomforts of pregnancy, such as morning sickness, backache, varicose veins, ankle swelling and bladder problems. This document does not contain full details of the contract between AMIST Super and its insurer and only offers a general guide to the insurance offered by AMIST Super. Full details of the insurance arrangements are contained in the Insurance Policy document. If you require further information about the insurance AMIST Super offers please contact the Administrator on The insurance is provided under a contract between the Trustee and the Colonial Mutual Life Assurance Society Limited ABN Insurance costs are not guaranteed and may be varied from time to time without notice. The following tables show the insured member s premium rates per annum for each. The table that applies to you depends on which occupational group you come under, your current age and the waiting period that you select. GROUP 1 Payment Period Insured members (Group 1) Age Attained Premium Rates ($) per annum for each
4 Optional Income Protection Insurance Cover - continued GROUP 2 Payment Period Age Attained Insured members (Group 2) Premium Rates ($) per annum for each GROUP 3 Payment Period Age Attained Insured members (Group 3) Premium Rates ($) per annum for each AMIST Super Product Disclosure Statement February 2009
5 Example 1 Peter, who is 50 years old and works 100% of his time in administrative duties in the office (without manual duties) of a meat company and has done so for at least the last twelve months, wants to take out Income Protection insurance. He earns $46,800 per annum and wants to take out $2,500 of monthly cover with a 90 day waiting period. The maximum level of monthly cover that Peter can take out is $2,925 per month ($46,800 x 75% 12). Therefore, the level of cover Peter wants is below the maximum. To find out how much this insurance would cost him per month, he does the following: Group: As Peter s occupation does not involve any manual labour, he comes under Group 1. He has selected a 90 day waiting period. Age: Peter is 50. Looking at the table, the annual premium for a 50 year old in Group 1 with a 90 day waiting period is $7.11 per annum for $100 of monthly benefit. Cover: Peter wants $2,500 per month worth of cover. This is equivalent to 25 units (each unit being $100). Cost: Therefore, Peter s annual Income Protection insurance premium is $7.11 (the cost of one unit of cover) multiplied by 25 (the number of units) = $ per annum which is the equivalent of $14.81 per month. Example 2 Matthew, who is 30 years old, is a meat worker in an abattoir and wants to take out Income Protection insurance. He earns $30,000 per annum and wants to take out the maximum level of monthly cover with a 90 day waiting period. The maximum level of monthly cover that Matthew can take out is $1,875 ($30,000 x 75% 12). Matthew decides to take out 19 units of cover which represents a benefit of $1,900. He would only receive a benefit of $1,875 however, as this is 75% of his income. To find out how much this insurance would cost him per month, he does the following: Group: As Matthew s job involves manual labour in an abattoir he comes under Group 3. Matthew decides on a 90 day waiting period. Age: Matthew is 30. Looking at the table, the annual premium for a 30 year old with a waiting period of 90 days is $12.54 per $100 of monthly benefit. Cover: Matthew wants $1,875 per month of cover. This is equivalent to 19 units (each unit being $100). Cost: Therefore, Matthew s annual Income Protection insurance premium is $12.54 (the cost of one unit of cover) multiplied by 19 (the number of units) = $ per annum which is equal to $19.86 per month. 21
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 informationManildra 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 informationInsurance 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 informationChanges 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 informationIncome 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 informationInsurance 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 informationHow To Get A Tdp Benefit
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 informationInsurance 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 informationIncome Protection Insurance Cover (Prime division)
FACT SHEET Income Protection Insurance Cover (Prime division) 1 May 2014 Please note: All words highlighted in red are defined, or further explanation is provided, in the Terms and further explanations
More informationInsurance 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 informationInsurance in your super
Insurance in your super The information in this document forms part of the: UniSuper Accumulation 1 Product Disclosure Statement issued on 3 January 2015 UniSuper Defined Benefit Division and Accumulation
More informationNESS 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 informationProduct 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 informationBAR COVER. Barristers Sickness and Accident Fund Pty Ltd ACN 000 381 617 as trustee of The Barristers Sickness and Accident Fund, 1961
BAR COVER Barristers Sickness and Accident Fund Pty Ltd ACN 000 381 617 as trustee of The Barristers Sickness and Accident Fund, 1961 Sickness and Accident Insurance PRODUCT DISCLOSURE STATEMENT Dated
More information5. 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 informationInsurance 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 informationLifeProtect 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 informationPOLICY 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 informationHow To Get Insurance With Nfsf Super
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 informationWA 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 informationEnergy 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 informationInsurance 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 informationTasplan 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 informationPROTECT 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 informationSuper Informed Accumulation 2
Super Informed Accumulation 2 This special edition of Super Informed should be read together with your personalised letter and estimate, which together form a Significant Event Notice. October 2014 2 About
More informationInsurance 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 informationIncome 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 informationprotecting 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 informationINSURANCE 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 information1 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 information1 JULY 2015. Insurance Guide INDUSTRY, CORPORATE AND PERSONAL DIVISIONS
1 JULY 2015 Insurance Guide INDUSTRY, CORPORATE AND PERSONAL DIVISIONS About TWUSUPER TWUSUPER was established in 1984 as the Industry SuperFund for people in transport and logistics. As an Industry SuperFund,
More informationInsurance FirstChoice Super products
Insurance FirstChoice Super products Personal Super Wholesale Personal Super Issue No 2013/1, dated 11 June 2013 Investments in FirstChoice Personal Super and FirstChoice Wholesale Personal Super are offered
More informationInsurance 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 informationIssued 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 informationFlexible 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 informationRisk 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 informationReliance 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 informationProtecting 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 informationCore 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 informationYour 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 informationZurich 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 informationPERPETUAL 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 informationPersonal Insurance Portfolio
Personal Insurance Portfolio Product Disclosure Statement (PDS) Preparation date: 26 September 2005 This PDS contains information about the following products: Income Care basic income protection insurance
More informationREST 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 informationMacquarie 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 informationENERGY 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 informationInsurance 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 informationInside... 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 informationADDITIONAL 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 informationInsurance 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 informationInsurance 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 informationInsurance 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 informationPersonal 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 informationInsurance. 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 informationHow To Get A Guardian Insurance Policy
Income Protection Insurance Product Disclosure Statement Issued 16 April 2015 Guardian Income Protection Insurance is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level
More informationIncome Protection Cover
Income Protection Cover Product Disclosure Statement Issue date: 27 April 2015 Income Protection Cover is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip
More informationLife and Income Protection
Life and Income Protection Product Disclosure Statement (PDS) Preparation date: 26 September 2005 This PDS contains information about the following products: Income Protection income protection insurance
More informationFIRSTCHOICE INSURANCE
FIRSTCHOICE INSURANCE Personal Super Wholesale Personal Super Issue No 2015/1, dated 18 May 2015 Investments in FirstChoice Personal Super and FirstChoice Wholesale Personal Super are offered from the
More informationIncome protection claims
PSSap14 04/12 Income protection claims Who should read this? Members with income protection cover who have not worked for an extended period of time due to injury or sickness and wish to claim for income
More informationLIFE, 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 informationIncome 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 informationSuper 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 informationWelcome to the AYSF Group Insurance Plans.
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
More informationANZ 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 informationINSURANCE 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 informationBT 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 informationBT 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 informationFIRSTCHOICE 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 informationGroup 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 informationSuncorp Income Protection. Policy Document
Suncorp Income Protection Policy Document Contents 1.0. Important information 3 2.0. Cooling off period 4 3.0. When does cover start and stop? 4 4.0. Benefits under this policy 5 5.0. When we wont pay
More informationGroup 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 information2part. BT Business Super. Part 2 Insurance booklet. This Product Disclosure Statement (PDS) has 2 parts: Information to get you started
BT Business Super Part 2 Insurance booklet This Product Disclosure Statement (PDS) has 2 parts: > > Part 1 Information booklet Information to get you started > > Part 2 Insurance booklet Everything you
More informationREST 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 informationInsurance 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 informationSunsuper for life. Insurance guide. Learn more about your insurance Identify your insurance needs
Sunsuper for life Insurance guide Learn more about your insurance Identify your insurance needs Preparation date: 9 June 2015 Issue date: 1 July 2015 INSURANCE IN YOUR SUPER Contents 1 Why have insurance?
More informationANZ 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 informationTasmanian 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 informationChanges 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 informationAXA 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 informationIncome Protection Policy Addendum Dated 23 April 2007
Income Protection Policy Addendum Dated 23 April 2007 Income Protection Please read this document and keep it in a safe place with your Income Protection Policy Document. It is important that you read
More informationSmartsave 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 informationUnderstanding 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 informationInsurance 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 informationIncome Protection Scheme
Income Protection Scheme CIVIL This brochure has been produced to assist workers in understanding the benefits that apply under the various insurance covers and the circumstances under which these benefits
More informationMacquarie 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 informationProduct 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 informationSuper Funds Comparison Fact Sheet
Super Funds Comparison Fact Sheet This fact sheet has been prepared for new and prospective members of. However, it is not relevant to: members who have been issued with a Part Two Information former ESI
More informationMember guide. Superannuation and Personal Super Plan. The information in this document forms part of the Hostplus Product Disclosure Statement issued
Member guide. Superannuation and Personal Super Plan Product Disclosure Statement The information in this document forms part of the Hostplus Product Disclosure Statement issued Section 8. Insurance in
More informationJUMP TO. Insurance in your superannuation 3. Types of insurance cover within Russell SuperSolution 4. Income protection cover 11
Russell SuperSolution General Division 1 July 2015 JUMP TO Insurance in your superannuation 3 Types of insurance cover within Russell SuperSolution 4 Death and Total and Permanent Disablement (TPD) cover
More informationProduct 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 informationINSURANCE 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 informationInsurance request VicSuper FutureSaver
GPO Box 89 Melbourne Vic 3001 VicSuper Member Centre 1300 366 216 vicsuper.com.au Insurance request VicSuper FutureSaver * Indicates that providing this information is mandatory. Not doing so may delay
More informationPLEASE DO NOT SEND A CHEQUE WITH THIS PROPOSAL.
PLEASE DO NOT SEND A CHEQUE WITH THIS. WE WILL NOTIFY YOU OF THE AMOUNT REQUIRED ONCE YOUR HAS BEEN ACCEPTED. Barristers Sickness & Accident Fund Pty Ltd - Trustee for the Barristers Sickness & Accident
More informationwe make it easy for you
Insurance Guide PDS Supplement we make it easy for you Dated 10 November 2015 CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725 PDS Supplement The information
More informationINSURANCE 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 informationGroup 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 informationIssued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249
The Transport Industry Superannuation Fund Insurance Guide Prepared and issued 1 July 2014 Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249. This information in this guide forms part of the Product
More informationExpect to understand your Tailored Loan Coverage
Expect to understand your Tailored Loan Coverage POLICY WORDING The following is a Summary and Guide to the provisions of the Master Policy between Sovereign Assurance Company Limited (Sovereign) and TSB
More informationGroup Income Protection For Employees. Master Policy Document Issue Date 1 July 2011 (Updated 1 July 2014)
Group Income Protection For Employees Master Policy Document Issue Date 1 July 2011 (Updated 1 July 2014) Policy Schedule Insurer Policy Owner Policy Numbers Hannover Life Re of Australasia Ltd ABN 37
More informationLIFE INSURANCE POLICY DOCUMENT. Participating Employer (Universities of NZ) (the employer)
LIFE INSURANCE POLICY DOCUMENT For Employees (as Voluntary Insured Members) Participating Employer (Universities of NZ) (the employer) Administered by Marsh (the policy owner) Insured by Sovereign Assurance
More information