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1 Insurance handbook for Cbus Industry Super Auth. No November 2015 The information in this document forms part of the Product Disclosure Statement for Cbus Industry Super of 1 November Contents 1 Protect yourself and your family with Cbus insurance 3 2 Insurance cover summary 4 3 Default cover 6 4 About Death and TPD cover 8 5 Changing or increasing your cover 14 6 When does your cover stop? 21 7 Restarting cover after it s been cancelled or expired 22 8 Making an insurance claim 23 9 Insurance definitions Need help to sort out your insurance? Other questions about your super? 31

2 Auth. No This Product Disclosure Statement (PDS) is a summary of significant information about Cbus and contains a number of references to important information. Refers to incorporated by reference materials Refers to important information for you to note You should consider this information before making a decision. If you want a printed copy of this PDS or other information referenced, please call or us. Cbus Trustee: United Super Pty Ltd ABN AFSL Cbus ABN The contents of this PDS is general information only and does not take into account your financial situation or needs. You should obtain financial advice tailored to your own personal circumstances. Please note the information in this PDS is current as at 1 November 2015 and is subject to change between the time you read it and when you join Cbus. For updated information visit our website or call us. with Cbus 3 Together we ll look after your future Our members work in some of the toughest conditions of any industry. That s why we believe insurance is essential to make sure you and your family s welfare are protected 24 hours a day, 7 days a week. This handbook tells you all about insurance through Cbus Industry Super. When you join Cbus Industry Super, you may receive cover automatically for Death and Total and Permanent Disablement. If you need more information or help, contact us on or Important information The information in this Insurance handbook is current at the time of printing but may be subject to change due to amendments to legislation, Fund rules or other causes. You can access the most up-to-date information at or call the Service Centre on A copy of this information will be provided to you on request free of charge. You ll be advised of any change to the information that is materially adverse through the Fund s member magazine Cbus News or via a new Insurance handbook or Product Disclosure Statement (PDS). This Insurance handbook sets out the main features and benefits of insurance in Cbus Industry Super. Please read it thoroughly. This Insurance handbook has been prepared and issued on 1 November 2015 by Cbus Trustee: United Super Pty Ltd. ABN AFSL Cbus ABN This document replaces the previous insurance information provided in the Insurance handbook for Cbus Industry Super dated 8 September Insurance is issued under a group policy taken out by the Trustee with the Insurer. The Fund s Insurer is TAL Life Limited ABN , AFSL ( Insurer, TAL ). Please note that the terms and conditions of the Trustee s policy with TAL will prevail over any information in this document related to TAL s provision of insured benefits. General advice warning This information is about Cbus. It doesn t take into account your specific needs, so you should look at your own financial position, objectives and requirements before making any financial decisions. Read the Industry Super Product Disclosure Statement to decide whether Cbus is right for you. To obtain a copy or if you require referral to a professional Financial Planner who doesn t charge commissions, please call Privacy Your information is private. Cbus takes the utmost care with your personal information. Cbus collects personal information to manage memberships, claims and benefit payments. You can access a copy of our Privacy policy and Personal information collection statements at or by calling us on The information in this document forms part of the Industry Super Product Disclosure Statement of 1 November Join Cbus Industry Super Product Disclosure Statement: 1 November Contents 1 About Cbus 2 2 How super works 2 3 Benefits of investing 4 Risks of super 3 5 How we invest your money 4 6 Fees and costs 4 7 How super is taxed 5 8 Insurance in your super 6 9 How to open an account 8 10 Other information /15

3 1 Protect yourself and your family with Cbus insurance Insurance is one of the best ways you can protect your future. It s about looking after yourself and your family if illness or an injury stops you from working. That s why we believe insurance is essential for all our members. Affordable insurance, around the clock. You re covered 24 hours a day, 7 days a week Easy to set up Affordable Costs are paid out of your super, not your bank account You can choose the type and amount of cover you need Cover designed for Cbus members You can check your cover online anywhere, anytime Whether you re at work or at home, you ll be protected If you re eligible, you get cover when you join us and you don t have to show proof of your health to get it Because we buy our insurance as a group, costs are generally lower than insurance you buy as an individual Your super covers the cost of your insurance so you don t need to find room in your budget Because everyone s needs are different, you can tailor your cover to suit your needs We have four occupation categories designed to suit the risks of different types of work Register for our online Member SuperSite to see your insurance cover whenever you need to. To register: Call us on for your password You can then log in to Insurance handbook for Cbus Industry Super 3

4 2 Insurance cover summary What types of cover can I get through Cbus Industry Super? You can get two types of cover: Death cover Total and Permanent Disablement (TPD) cover Insurance FAQs Death cover provides a lump sum payment (on top of your account balance) if you die. You ll also be covered in the event you re diagnosed with a Terminal Illness that s likely to lead to your death within 24 months from the date of your diagnosis. TPD cover provides a lump sum payment (on top of your account balance) if you re unlikely to ever work again due to Illness or Injury and you meet the TPD definition under the Cbus Insurance Policy. TPD cover doesn t cover you if you re temporarily or partially disabled. This means it won t cover you if you have to stop work due to an Illness or Injury, but can later return to work in your job or any other job for which you re reasonably suited, based on your education, training and experience. How much cover can I have? The amount and type of cover you can have depends on your age, the number of insurance units you choose and your occupation category. How do I get insurance cover? Default cover (see page 6) The first time you join Cbus Industry Super, you may be eligible to receive Death and TPD insurance cover without having to provide any health evidence. This is called Default cover. You can also apply to increase your cover within certain limits by answering a few simple eligibility questions. When does my cover start? Your Default cover will start automatically when Cbus receives the first On-Time Employer Contribution for you, as long as: Cbus accepts you as a member of Cbus Industry Super, and you re eligible for insurance cover (see page 6) Who pays for my cover? The cost of cover is paid for out of your super account balance each month, as long as your cover hasn t stopped for one of the reasons outlined on page 21. How is the cost of cover calculated? The total cost depends on how many units of cover you choose, the type of cover and your occupation category. How much cover do I need? The cover you receive when you join Cbus may not be enough to cover your needs. If it isn t, you can apply to change it (see Changing or increasing your cover on page 14). Before you choose how much cover you want, think carefully about what financial support you or your family would need if you died before you retire, or if you could never work again. Think about: income how much you earn today (and what you could be earning in the future) dependants do you have a spouse, de-facto spouse, children or other financial dependants? debts do you have a mortgage, loan or other debts? assets do you own any property or shares? We can help you work out how much, or what type of cover can meet your needs. Call us on to speak to the Cbus Advice Team. Income Protection cover Income Protection (IP) cover can give you a regular income if you can t work because you ve had an accident or become ill. You can apply for IP cover through the Cbus Income Continuance Portfolio *, however this is not part of Cbus Industry Super. Because IP cover is provided outside of Cbus, the insurance costs are paid by you directly to the Insurer (not from your super account). For more information, call the Cbus Income Continuance Portfolio on * The Insurer of this product is Wesfarmers General Insurance Ltd ABN AFSL , trading as Lumley Insurance. 4 Insurance handbook for Cbus Industry Super

5 Insurance terms: how to find out what they mean When you see an insurance term written in bold italics like this: On-Time Employer Contribution you can find its meaning in the insurance definitions section on pages Need help to choose your cover? Cbus can help you work out how much, or what type, of cover can meet your needs. You can: Try our handy insurance calculator at for a snapshot of what you might need. Call us on to speak to the Cbus Advice Team. If you need more detailed personal advice, we can refer you to an accredited financial planner who doesn t charge commissions and can give you an upfront, obligation free quote if you want a full financial plan. Insurance handbook for Cbus Industry Super 5

6 3 Default cover When you turn 21 Your cover will automatically increase to 4 units, unless you ve: already applied for 4 or more units before your 21st birthday, or told us you wish to stay on 2 or 3 units after your 21st birthday, or decreased your cover to 1 unit before your 21st birthday, or been covered under the Electech category, or cancelled your cover. What is Default cover? Default cover is the type and level of cover you automatically receive when you first become a Cbus Industry Super member (as long as you re eligible). You ll receive Default cover under the Manual occupation category (see page 10). The number of Default units you receive depends on your age as shown below: Default insurance cover as at 1 November 2015 * Age Units Cost of Default cover years years 65 but less than 70 2 units of Manual Death and TPD 4 units of Manual Death and TPD 4 units of Manual Death only $7.16 per week ($3.58 per unit) $14.32 per week ($3.58 per unit) $5.32 per week ($1.33 per unit) * Existing members may have different cover as the Default levels have changed over time. How much is your Default cover worth? The table below shows the amount your Default cover may be worth based on your age. After age 50, the value of a unit of cover reduces. Manual Default cover Age Death TPD Age Death TPD $104,000 $52, $92,000 $46, $208,000 $104, $84,000 $42, $192,000 $96, $76,000 $38, $176,000 $88, $68,000 $34, $158,000 $79, $60,000 $30, $140,000 $70, $50,000 $0 55 $132,000 $66, $40,000 $0 56 $124,000 $62, $32,000 $0 57 $116,000 $58, $24,000 $0 58 $108,000 $54, $24,000 $0 59 $100,000 $50,000 Default cover for members under age 21 If you re under 21 when you first join Cbus You ll automatically get 2 units of Default (Manual) insurance cover (as long as you re eligible) if you re under age 21 when you first join us. If you re not in Active Employment when you turn 21, any additional TPD cover will be limited to New Events Cover until you re in Active Employment. Am I eligible for Default cover? You must meet some conditions to be eligible for Default cover through Cbus Industry Super. You ll receive cover if: we receive an On-Time Employer Contribution for you, and we accept you as a member of Cbus Industry Super, and you meet all the eligibility criteria for cover set out below. If you haven t filled in a Join Cbus Industry Super form, you ll still receive Default cover as long as your employer gives us your full name, address and date of birth when they make an On-Time Employer Contribution on your behalf. Important note: Your eligibility for cover will be checked when you make an insurance claim, and your benefit payment may change or be denied if you did not give correct details when you joined Cbus Industry Super. You ll receive Default Death and TPD cover as long as: You re age 15 or over and under age 65 for TPD cover under age 70 for Death cover; and You re not currently applying for, not entitled to, or haven t been paid a TPD or terminal illness benefit from any super fund or life insurance policy; and You ve not been diagnosed with an illness that s likely to lead to your death within 24 months from the date of your diagnosis; and You re in Active Employment on the date your cover starts. If you re under age 15 * or age 70 or over, you won t be eligible for any insurance cover. If you re aged 65 to 69, you ll only be eligible for Default Death cover. You ll need to apply for TPD cover. If you don t meet this condition, you won t be eligible for any insurance cover. If you don t meet this condition, you won t be eligible for any insurance cover. If you don t meet this condition, you ll only receive Death and New Events Cover for TPD until you re in Active Employment, at which time you ll receive TPD cover for all events. * You re not eligible to become a member if you re under age Insurance handbook for Cbus Industry Super

7 Can I decrease or cancel my Default cover? We believe members should have insurance cover to protect themselves and their family. However, you can decrease or cancel your Default cover if it doesn t meet your needs. While you have the option to decrease your insurance cover on the Join Cbus Industry Super form, you can only decrease or cancel your cover at other times by completing an Application to decrease or cancel insurance cover available at decrease, or you can call us on for a copy. You can choose to cancel all your cover, or to cancel or reduce your TPD and keep your Death cover. You can t have TPD cover without Death cover, and the amount of TPD cover can t exceed the amount of Death cover. Until we receive your request to decrease or cancel your cover, any Default cover you receive when you join will stay in place (as long as your cover doesn t stop for another reason see page 21). You should know that if you later change your mind and want cover, you ll need to complete an Application to increase insurance cover and provide information about your health. Any increase in your cover will be subject to the Insurer accepting your application. Not sure if you have Default cover? You can check how much cover you have on your most recent statement from us, online or call us on We strongly suggest you speak to us on before you decide to decrease or cancel your cover. Insurance handbook for Cbus Industry Super 7

8 4 About Death and TPD cover How much cover can Death & TPD insurance give you? Before you work out how many units of cover you want, you need to know how much money each unit is worth. This depends on: your age, and which occupation category you get cover under. The tables on the following pages will help you work out how much Death and TPD insurance is right for you and your family. Occupation categories As part of the Join Cbus Industry Super form, we ask you some questions about your job. Your answers determine which of the following occupation categories you can be covered under. Each category has its own insurance scale which tells you how much each unit of cover is worth. Some categories have a different cost or cover expiry age. To see how much each unit of cover is worth under the different occupation categories, check the insurance scales on pages It s important to answer questions about your job on the Join Cbus Industry Super form so we can maximise your level of cover. You could be eligible for more cover per unit, for the same cost. You can apply to change your occupation category at any time see page 19 for details. Eligibility for occupation category Example occupations Manual Non-Manual Professional Electech Perform any manual (physical) work, or Spend more than 20% of your working time outside of an office environment Note: If you don t answer any occupation questions when you join, you ll be covered under this category. Carpenter, Plasterer, Bricklayer, Plumber Perform work of a clerical, administrative, managerial or professional nature, and Perform a minimum of 80% of your work in an office environment, and Don t perform any manual (physical) work. Bookkeeper, Quantity Surveyor, Payroll Administrator Perform work of an entirely sedentary professional nature, and Perform a minimum of 80% of work in an office environment, and Don t perform any manual (physical) work, and Have an Annual Taxable Income of more than $100,000 (which can be applied pro rata for permanent part-time workers), and either of the following applies: - you hold a university qualification (Bachelor degree or above), or - you re a Senior Manager or Executive within the organisation in which you re employed (see definitions on page 28). Accountant, Architect, HR Manager, Lawyer Cover Period Death Age Age Age Age Cover Period TPD Age 15 69* Age 15 69* Age 15 69* Age Death and TPD cost per unit per week Death only cost per unit per week TPD only cost per unit per week $3.58 $3.58 $3.58 $2.62 $1.33 $1.55 $1.55 $1.13 $2.25 N/A N/A N/A Currently employed in the electrical, electronics or communications industries within a classification set out in Schedule B of the Electrical, Electronic and Communications Contracting Award If you work in this industry you may still choose cover under our other categories if eligible. Electrician, Electronics tradesperson, Linesperson * You need to apply for TPD cover from ages 65 to 69, otherwise cover stops at age 65. Cover can be extended if you apply within the 12 months before turning 65, subject to acceptance by the Insurer. See Extra TPD units for Manual members on page 14 for more information. 8 Insurance handbook for Cbus Industry Super

9 Insurance scales How to read the scales Look up your age on the table that matches your occupation category (from page 8). The more units of cover you have, the higher the amount you could receive if you make a claim. However, that amount will reduce as you get older. The weekly cost also increases with the number of units you choose, and this will come out of your super account. Insurance handbook for Cbus Industry Super 9

10 4 About Death and TPD cover (continued) Case study Manual scale This is your scale if you: perform any manual (physical) work, or spend more than 20% of your working time outside an office environment. 1 unit 2 units 3 units 4 units Age $3.58 a week $7.16 a week $10.74 a week $14.32 a week Death TPD Death TPD Death TPD Death TPD $52,000 $26,000 $104,000 $52,000 $156,000 $78,000 $208,000 $104, $48,000 $24,000 $96,000 $48,000 $144,000 $72,000 $192,000 $96, $44,000 $22,000 $88,000 $44,000 $132,000 $66,000 $176,000 $88, $39,500 $19,750 $79,000 $39,500 $118,500 $59,250 $158,000 $79, $35,000 $17,500 $70,000 $35,000 $105,000 $52,500 $140,000 $70, $33,000 $16,500 $66,000 $33,000 $99,000 $49,500 $132,000 $66, $31,000 $15,500 $62,000 $31,000 $93,000 $46,500 $124,000 $62, $29,000 $14,500 $58,000 $29,000 $87,000 $43,500 $116,000 $58, $27,000 $13,500 $54,000 $27,000 $81,000 $40,500 $108,000 $54, $25,000 $12,500 $50,000 $25,000 $75,000 $37,500 $100,000 $50, $23,000 $11,500 $46,000 $23,000 $69,000 $34,500 $92,000 $46, $21,000 $10,500 $42,000 $21,000 $63,000 $31,500 $84,000 $42, $19,000 $9,500 $38,000 $19,000 $57,000 $28,500 $76,000 $38, $17,000 $8,500 $34,000 $17,000 $51,000 $25,500 $68,000 $34, $15,000 $7,500 $30,000 $15,000 $45,000 $22,500 $60,000 $30, $12,500 $6,250 $25,000 $12,500 $37,500 $18,750 $50,000 $25, $10,000 $5,000 $20,000 $10,000 $30,000 $15,000 $40,000 $20, $8,000 $4,000 $16,000 $8,000 $24,000 $12,000 $32,000 $16, $6,000 $3,000 $12,000 $6,000 $18,000 $9,000 $24,000 $12,000 Note: You need to apply for TPD cover from ages 65 to 69, otherwise cover stops at age 65. Cover can be extended if you apply within the 12 months before turning 65, subject to acceptance by the Insurer. Adrian is a 32 year old Plasterer who wants to apply for cover above the Default level (4 units of Death and TPD) when joining. He decides to apply for 4 additional units of TPD to match his current dollar amount of Death cover. Adrian can do this by answering a few simple eligibility questions on the form. He won t need to complete extra paperwork or provide detailed health information as he s applying for less than 12 units of cover in total (see page 14). Adrian s insurance cover Amount of Death cover 4 x $52,000 = $208,000 Amount of TPD cover 8 x $26,000 = $208,000 Total cost per week: $ units of Death and TPD cover: 4 x $3.58 = $ additional units of TPD cover: 4 x $2.25 = $9.00 Should Adrian apply for this cover after six months of becoming First Eligible, or want cover above the limits outlined on page 14, he ll need to complete an Application to increase insurance cover and supply information about his health to the Insurer. 10 Insurance handbook for Cbus Industry Super

11 Non-Manual scale This is your scale if you: perform work of a clerical, administrative, managerial, or professional nature, and perform a minimum of 80% of your work in an office environment, and don t perform any manual (physical) work. 1 unit 2 units 3 units 4 units Age $3.58 a week $7.16 a week $10.74 a week $14.32 a week Death TPD Death TPD Death TPD Death TPD $122,500 $122,500 $245,000 $245,000 $367,500 $367,500 $490,000 $490, $119,400 $119,400 $238,800 $238,800 $358,200 $358,200 $477,600 $477, $116,100 $116,100 $232,200 $232,200 $348,300 $348,300 $464,400 $464, $112,900 $112,900 $225,800 $225,800 $338,700 $338,700 $451,600 $451, $109,400 $109,400 $218,800 $218,800 $328,200 $328,200 $437,600 $437, $105,700 $105,700 $211,400 $211,400 $317,100 $317,100 $422,800 $422, $102,000 $102,000 $204,000 $204,000 $306,000 $306,000 $408,000 $408, $96,700 $96,700 $193,400 $193,400 $290,100 $290,100 $386,800 $386, $91,500 $91,500 $183,000 $183,000 $274,500 $274,500 $366,000 $366, $86,200 $86,200 $172,400 $172,400 $258,600 $258,600 $344,800 $344, $81,000 $81,000 $162,000 $162,000 $243,000 $243,000 $324,000 $324, $75,500 $75,500 $151,000 $151,000 $226,500 $226,500 $302,000 $302, $72,400 $72,400 $144,800 $144,800 $217,200 $217,200 $289,600 $289, $69,300 $69,300 $138,600 $138,600 $207,900 $207,900 $277,200 $277, $66,200 $66,200 $132,400 $132,400 $198,600 $198,600 $264,800 $264, $63,200 $63,200 $126,400 $126,400 $189,600 $189,600 $252,800 $252, $61,500 $61,500 $123,000 $123,000 $184,500 $184,500 $246,000 $246, $61,000 $61,000 $122,000 $122,000 $183,000 $183,000 $244,000 $244, $60,400 $60,400 $120,800 $120,800 $181,200 $181,200 $241,600 $241, $60,200 $60,200 $120,400 $120,400 $180,600 $180,600 $240,800 $240, $60,100 $60,100 $120,200 $120,200 $180,300 $180,300 $240,400 $240, $59,800 $47,300 $119,600 $94,600 $179,400 $141,900 $239,200 $189, $55,300 $43,500 $110,600 $87,000 $165,900 $130,500 $221,200 $174, $50,800 $39,700 $101,600 $79,400 $152,400 $119,100 $203,200 $158, $45,700 $33,900 $91,400 $67,800 $137,100 $101,700 $182,800 $135, $42,200 $26,500 $84,400 $53,000 $126,600 $79,500 $168,800 $106, $39,600 $26,500 $79,200 $53,000 $118,800 $79,500 $158,400 $106, $37,000 $23,800 $74,000 $47,600 $111,000 $71,400 $148,000 $95, $34,400 $21,100 $68,800 $42,200 $103,200 $63,300 $137,600 $84, $31,600 $18,500 $63,200 $37,000 $94,800 $55,500 $126,400 $74, $29,000 $15,800 $58,000 $31,600 $87,000 $47,400 $116,000 $63, $26,600 $13,300 $53,200 $26,600 $79,800 $39,900 $106,400 $53, $24,200 $12,100 $48,400 $24,200 $72,600 $36,300 $96,800 $48, $22,000 $11,000 $44,000 $22,000 $66,000 $33,000 $88,000 $44, $20,500 $10,250 $41,000 $20,500 $61,500 $30,750 $82,000 $41, $20,500 $10,250 $41,000 $20,500 $61,500 $30,750 $82,000 $41, $14,400 $7,200 $28,800 $14,400 $43,200 $21,600 $57,600 $28, $11,500 $5,750 $23,000 $11,500 $34,500 $17,250 $46,000 $23, $9,400 $4,700 $18,800 $9,400 $28,200 $14,100 $37,600 $18, $8,200 $4,100 $16,400 $8,200 $24,600 $12,300 $32,800 $16,400 Note: You need to apply for TPD cover from ages 65 to 69, otherwise cover stops at age 65. Cover can be extended if you apply within the 12 months before turning 65, subject to acceptance by the Insurer. Case study Emily is 41 years old and works as a Payroll Administrator. She s been a member of Cbus for a couple of years, and after reviewing her finances has decided to increase her insurance cover. Emily currently has 4 units of Death and TPD cover and wants to apply for an additional 2 units of cover. Emily s insurance cover Amount of Death cover 6 x $72,400 = $434,400 Amount of TPD cover 6 x $72,400 = $434,400 Total cost per week 6 x $3.58 = $21.48 As Emily has been a member for a while, she completed an Application to increase insurance cover and had to supply information about her health to the Insurer. Insurance handbook for Cbus Industry Super 11

12 4 About Death and TPD cover (continued) Professional scale This is your scale if you: perform work of an entirely sedentary professional nature, and perform a minimum of 80% of work in an office environment, and don t perform any manual (physical) work duties, and have an Annual Taxable Income of more than $100,000 (which can be applied pro rata for permanent part-time workers), and either of the following applies: - you hold a university qualification (Bachelor degree or above), or - you re a Senior Manager or Executive within the organisation in which you re employed (see definitions on page 28). 1 unit 2 units 3 units 4 units Age $3.58 a week $7.16 a week $10.74 a week $14.32 a week Death TPD Death TPD Death TPD Death TPD $153,125 $153,125 $306,250 $306,250 $459,375 $459,375 $612,500 $612, $149,250 $149,250 $298,500 $298,500 $447,750 $447,750 $597,000 $597, $145,125 $145,125 $290,250 $290,250 $435,375 $435,375 $580,500 $580, $141,125 $141,125 $282,250 $282,250 $423,375 $423,375 $564,500 $564, $136,750 $136,750 $273,500 $273,500 $410,250 $410,250 $547,000 $547, $132,125 $132,125 $264,250 $264,250 $396,375 $396,375 $528,500 $528, $127,500 $127,500 $255,000 $255,000 $382,500 $382,500 $510,000 $510, $120,875 $120,875 $241,750 $241,750 $362,625 $362,625 $483,500 $483, $114,375 $114,375 $228,750 $228,750 $343,125 $343,125 $457,500 $457, $107,750 $107,750 $215,500 $215,500 $323,250 $323,250 $431,000 $431, $101,250 $101,250 $202,500 $202,500 $303,750 $303,750 $405,000 $405, $94,375 $94,375 $188,750 $188,750 $283,125 $283,125 $377,500 $377, $90,500 $90,500 $181,000 $181,000 $271,500 $271,500 $362,000 $362, $86,625 $86,625 $173,250 $173,250 $259,875 $259,875 $346,500 $346, $82,750 $82,750 $165,500 $165,500 $248,250 $248,250 $331,000 $331, $79,000 $79,000 $158,000 $158,000 $237,000 $237,000 $316,000 $316, $76,875 $76,875 $153,750 $153,750 $230,625 $230,625 $307,500 $307, $76,250 $76,250 $152,500 $152,500 $228,750 $228,750 $305,000 $305, $75,500 $75,500 $151,000 $151,000 $226,500 $226,500 $302,000 $302, $75,250 $75,250 $150,500 $150,500 $225,750 $225,750 $301,000 $301, $75,125 $75,125 $150,250 $150,250 $225,375 $225,375 $300,500 $300, $74,750 $59,125 $149,500 $118,250 $224,250 $177,375 $299,000 $236, $69,125 $54,375 $138,250 $108,750 $207,375 $163,125 $276,500 $217, $63,500 $49,625 $127,000 $99,250 $190,500 $148,875 $254,000 $198, $57,125 $42,375 $114,250 $84,750 $171,375 $127,125 $228,500 $169, $52,750 $33,125 $105,500 $66,250 $158,250 $99,375 $211,000 $132, $49,500 $33,125 $99,000 $66,250 $148,500 $99,375 $198,000 $132, $46,250 $29,750 $92,500 $59,500 $138,750 $89,250 $185,000 $119, $43,000 $26,375 $86,000 $52,750 $129,000 $79,125 $172,000 $105, $39,500 $23,125 $79,000 $46,250 $118,500 $69,375 $158,000 $92, $36,250 $19,750 $72,500 $39,500 $108,750 $59,250 $145,000 $79, $33,250 $16,625 $66,500 $33,250 $99,750 $49,875 $133,000 $66, $30,250 $15,125 $60,500 $30,250 $90,750 $45,375 $121,000 $60, $27,500 $13,750 $55,000 $27,500 $82,500 $41,250 $110,000 $55, $25,625 $12,813 $51,250 $25,626 $76,875 $38,439 $102,500 $51, $25,625 $12,813 $51,250 $25,626 $76,875 $38,439 $102,500 $51, $18,000 $9,000 $36,000 $18,000 $54,000 $27,000 $72,000 $36, $14,375 $7,188 $28,750 $14,376 $43,125 $21,564 $57,500 $28, $11,750 $5,875 $23,500 $11,750 $35,250 $17,625 $47,000 $23, $10,250 $5,125 $20,500 $10,250 $30,750 $15,375 $41,000 $20, $10,250 $5,125 $20,500 $10,250 $30,750 $15,375 $41,000 $20,500 Note: You need to apply for TPD cover from ages 65 to 69, otherwise cover stops at age 65. Cover can be extended if you apply within the 12 months before turning 65, subject to acceptance by the Insurer. Case study Max is a 45 year old architect, who wants to apply for cover above the Default level (4 units of Death and TPD) when joining. He decides to apply for an additional 2 units of Death and TPD by answering a few simple eligibility questions on the form. This is the maximum amount of insurance that Max can apply for when joining without having to complete extra paperwork and provide detailed health and other information to the Insurer (see page 14). Max s insurance cover Amount of Death cover 6 x $76,875 = $461,250 Amount of TPD cover 6 x $76,875 = $461,250 Total cost per week 6 x $3.58 = $21.48 Should Max apply for this cover after 6 months of becoming First Eligible, or want cover above 6 units, he ll need to complete an Application to increase insurance cover. 12 Insurance handbook for Cbus Industry Super

13 Case study Electech scale This is your scale if you work in the electrical, electronics or communications industries within a classification set out in Schedule B of the Electrical, Electronic and Communications Contracting Award You ll be covered under this scale if you choose the Electech cover option on your Join Cbus Industry Super form and your application has been accepted by the Insurer or you ve completed an Application to change occupation category - Industry Super which has been accepted by the Insurer. 1 unit 2 units 3 units 4 units Age $2.62 a week $5.24 a week $7.86 a week $10.48 a week Death TPD Death TPD Death TPD Death TPD $50,000 $50,000 $100,000 $100,000 $150,000 $150,000 $200,000 $200, $50,000 $46,000 $100,000 $92,000 $150,000 $138,000 $200,000 $184, $50,000 $42,000 $100,000 $84,000 $150,000 $126,000 $200,000 $168, $50,000 $37,500 $100,000 $75,000 $150,000 $112,500 $200,000 $150, $50,000 $33,000 $100,000 $66,000 $150,000 $99,000 $200,000 $132, $50,000 $28,500 $100,000 $57,000 $150,000 $85,500 $200,000 $114, $50,000 $24,000 $100,000 $48,000 $150,000 $72,000 $200,000 $96, $50,000 $19,500 $100,000 $39,000 $150,000 $58,500 $200,000 $78, $50,000 $15,000 $100,000 $30,000 $150,000 $45,000 $200,000 $60, $50,000 $10,500 $100,000 $21,000 $150,000 $31,500 $200,000 $42, $50,000 $5,000 $100,000 $10,000 $150,000 $15,000 $200,000 $20, $10,000 $5,000 $20,000 $10,000 $30,000 $15,000 $40,000 $20,000 Rebecca is 21 years old, and after completing her apprenticeship she s recently started working as an Electrician. When completing the Join Cbus Industry Super form, Rebecca decides that she wants to apply for more than the 2 units of cover allowable on this form. So Rebecca also fills out an Application to increase insurance cover where she supplies detailed health and other information to request the additional 2 units of Death & TPD cover. Rebecca s insurance cover Amount of Death cover 4 x $50,000 = $200,000 Amount of TPD cover 4 x $50,000 = $200,000 Total cost per week 4 x $2.62 = $10.48 Insurance handbook for Cbus Industry Super 13

14 5 Changing or increasing your cover You can apply to change your Death and TPD cover at any time. If you apply when you first join Cbus, the requirements will be less than if you apply later. Applying to change your cover when you join Am I eligible to change my cover when I join? If we receive your completed Join Cbus Industry Super form within six months of becoming First Eligible, you can apply to increase your cover within certain limits by answering a few simple eligibility questions. Other conditions you need to meet As well as sending in your Join Cbus Industry Super form so that it s received within six months of becoming First Eligible, you ll also need to meet the following conditions to receive any extra cover. You ll receive extra cover if: you re age 15 and over but under age 65 for TPD cover (or age 70 for Electech) or under age 70 for Death cover, and you re receiving On-Time Employer Contributions into Cbus, and you re not currently applying for, not entitled to, or haven t been paid a TPD or terminal illness benefit from any super fund or life insurance policy, and you complete all insurance sections of the Join Cbus Industry Super form and sign and date the form, and the Insurer accepts your application for extra cover. If you apply after six months of becoming first eligible If you send in your Join Cbus Industry Super form after six months of becoming First Eligible, you can only receive Default cover (see page 6). However, you may be eligible to transfer your Default Manual cover to another occupation category (which may mean you have more cover for the same cost). To find out more, read How to change your occupation category after you ve joined on page 19. Important note: If you re not in Active Employment when you sign and send in your Join Cbus Industry Super form, any additional cover will be limited to Death and New Events Cover for TPD. You ll receive full TPD cover from the date you re in Active Employment. How much extra cover can you apply for when you join? The amount of cover you can apply for by answering a few simple eligibility questions when you join within six months of becoming First Eligible depends on what occupation category you may be eligible for. Your extra cover will start from the date we accept your accurately completed Join Cbus Industry Super form. Total amount of cover you can apply for when you join Occupation Type of cover Note Category Death TPD Manual Up to 6 units Up to 12 units Your TPD cover amount can t be more than your Death cover amount. Non-Manual Professional Electech Up to 6 units Up to 6 units Up to 2 units Up to 6 units Up to 6 units Up to 2 units The amount of TPD cover you can have is limited to seven times your Annual Taxable Income. To apply for more cover use the Application to increase cover (Electech) at Extra TPD cover for Manual members If you re covered under the Manual category and you re under age 65: you ll receive Default TPD cover at all ages that equals 50% of your Death cover. This means if you have 4 units of Death and TPD, your Death cover will be exactly double your TPD cover, and you can buy extra units of TPD cover to match your Death cover (within limits). Each unit of TPD only cover costs $2.25 per week, and the amount of cover you can apply for by answering a few simple eligibility questions when you first join is different to the amount you can apply for later. If you apply later, you ll need to complete an Application to increase insurance cover for Manual occupations form and supply information about your health and other information required by the Insurer. See page 16 for more information on increasing your cover after you join. 14 Insurance handbook for Cbus Industry Super

15 How to apply for extra cover when you join Complete and send to us your Join Cbus Industry Super form within six months of becoming First Eligible and make sure you: answer all insurance eligibility and occupation questions, and choose the number of units you want to be covered for (up to the maximum amount for your occupation category), and supply any extra information needed to assess your application. When will my extra cover start? Your extra cover will start from the date we accept your accurately completed Join Cbus Industry Super form. Insurance handbook for Cbus Industry Super 15

16 5 Changing or increasing your cover (continued) Applying to change your cover after you join You can apply to increase your cover at any time by completing an Application to increase insurance cover form applicable to your occupation category. Increases to cover above the Default or your current level of cover depends on approval by our Insurer. Limits on Death and TPD cover you can apply for There s a limit (maximum cover level) on the amount of Death and TPD cover you can apply for under Cbus Industry Super: for ages 15 to 69, you can apply for up to $5 million Death cover and $2 million TPD cover. Note: The maximum of $2 million for TPD cover applies to all cover you hold with any super fund or insurance policy, not just cover you have with us. the dollar value of your TPD cover can t be more than the dollar value of your Death cover. if you re a Non-Manual or Professional member, the amount of TPD cover you can have is limited to seven times your Annual Taxable Income. The Insurer may not approve your application if the number of units you choose provides TPD cover that s more than that amount. if you re a Manual member: - You can apply for equal Death and TPD cover up to a maximum of 10 units of Death and 20 units of TPD. For example, at age 40: 10 units of Death = $520,000 and 20 units of TPD = $520, You don t need to have equal Death and TPD cover if you don t want to. In fact you may apply to have any combination of Death and TPD cover you want (subject to the limits outlined above) provided that the dollar value of your TPD cover doesn t exceed that of your Death cover. For example, at age 40 you could choose to have 10 units of Death = $520,000 and 15 units of TPD = $390,000 if you wish. - If you need more than 10 units of Death cover and 20 units of TPD cover, then you can only apply for 1 additional unit of TPD cover for each unit of Death cover. This means you can t choose to have an equal dollar value of Death and TPD cover if you want more that 10 units of Death and 20 units of TPD cover. Example At age 40, if you wanted to apply for 15 units of Death cover, the maximum number of TPD units you could apply for would be 25 as shown in the following table: How the Insurer decides if you can increase your cover The Insurer may ask you to give more health information or to have medical tests to help them assess your application. Your increased cover depends on the Insurer accepting your application. If they accept it, we ll let you know in writing what date your increased cover starts and the occupation category you re covered under. The Insurer will only consider your application if: you re age 15 or over and under age 70, and you re in Active Employment, and you re not currently applying for, not entitled to, or haven t been paid a TPD or terminal illness benefit from any super fund or life insurance policy, and you complete all sections of the Application to increase insurance cover and supply any other information the Insurer asks for, and we receive your application no later than 31 days after you ve completed, signed and dated the form, and if you re a Professional member, your Annual Taxable Income was more than $100,000 in the last financial year. Duty of Disclosure and Non-Disclosure It s important to answer all questions truthfully and correctly to the best of your knowledge when applying to increase your insurance cover. You need to read the Duty of disclosure on the Application to increase insurance cover, so that you re aware of what can happen in the event of Non-disclosure. The Insurer can refuse to pay a claim if you didn t tell them about any issues you currently have, or have had in the past, that are relevant to your application. Death cover 8 units = $416, units = $520, units = $572, units = $624, units = $676, units = $728, units = $780,000 TPD Cover 8 units x 2 = 16 units ($416,000) 10 units x 2 = 20 units ($520,000) 20 units + 1 = 21 units ($546,000) 20 units + 2 = 22 units ($572,000) 20 units + 3 = 23 units ($598,000) 20 units + 4 = 24 units ($624,000) 20 units + 5 = 25 units ($650,000) You can have equal Death and TPD cover up to 10 units of Death and 20 units of TPD. You can only apply for 1 additional unit of TPD cover for each unit of Death cover above 10. How to apply for more cover after you join Complete an Application to increase insurance cover at (or call us on for a copy) and make sure you: answer all insurance eligibility questions, give information about your current and past health if the Insurer asks for it, and submit your completed application so we receive it within 31 days of you signing and dating the form. Your increased cover will start from the date the Insurer accepts your application. 16 Insurance handbook for Cbus Industry Super

17 Living Events cover offer Because your insurance needs change as your life changes, we offer you an easy way to increase your cover. Under the Living Events cover option, you can increase your current insurance by up to two units without providing health evidence when certain life changing events happen. What is a Living Event? Living Events include: getting married, you or your Partner giving birth or adopting a child/children, taking out a mortgage of, or increasing an existing mortgage on your permanent residence by more than $100,000, or taking out a business loan, or increasing an existing business loan by more than $100,000. Am I eligible for a Living Events cover increase? You may be eligible if you supply all the documents outlined in the evidence section on page 18, and when you apply you must meet all the following eligibility conditions: your nominated Living Event has happened within 60 days of the date we receive your application, and you re under 55 years of age at the date the Living Event occurred, and you re in Active Employment, on the date you complete and sign your form, and you ve not previously been declined cover through Cbus, and your total cover is not more than $5 million for Death and $2 million for TPD (Note: the maximum of $2 million TPD cover applies to all cover you hold, not just the cover you have with us). if you re a Non-Manual or Professional member, your TPD cover must not be more than seven times your Annual Taxable Income, and if you re currently insured for Death only cover you can only increase your Death cover, and your cover increase will be under the same terms and conditions that apply to your current cover, and you ve not already had an increase for the same Living Event (for example, you can t get an increase for the birth of your second child if you got one for your first child), and you re limited to a total of three Living Event increases, and you can only get one Living Event increase in a 12-month period, and you re not currently applying for, not entitled to, or haven t been paid a TPD or terminal illness benefit from any super fund or life insurance policy. Insurance handbook for Cbus Industry Super 17

18 5 Changing or increasing your cover (continued) Living Events cover offer (continued) The following table outlines the evidence required for each Living Event. Living Event You got married You or your partner gave birth or adopted a child/children You took out a mortgage of over $100,000 or increased your existing mortgage by over $100,000 on your permanent residence You took out a new business loan of over $100,000 or increased an existing business loan by more than $100,000 Evidence required A copy of the marriage certificate A copy of the child s birth certificate or adoption certificate Note: Your name must appear on the birth/adoption certificate Documents from your bank on letterhead proving you ve taken out a mortgage for your permanent residence including the date the loan was established. If you ve increased your mortgage, your documents should include the value of the previous mortgage, the effective date of the increase and the new mortgage value, whether this is with your existing or a different mortgage provider. Note: Your name must appear on the loan documents as a party to the mortgaged permanent residence. Documents from your bank on letterhead proving you ve taken out a business loan including the date the loan was established. If you ve increased your business loan, your documents should include the value of the previous loan, the effective date of the increase and the new loan value, whether this is with your existing or a different loan provider. Note: Your name must appear on the loan documents as a party to the business/enterprise. How to apply for a Living Events cover increase Complete an Application to increase cover due to a Living Event form at or call us on for a copy, and make sure you: answer all insurance eligibility questions and provide evidence of your Living Event outlined in the above table. We must receive your completed application within 60 days from when your Living Event occurred, and within 31 days of you signing and dating the form. 18 Insurance handbook for Cbus Industry Super

19 How to transfer cover from your previous super funds If you have Death only or Death and TPD cover with another super fund or life insurance policy, you may be able to transfer it to Cbus Industry Super. Are you eligible? To be eligible to transfer your existing cover: complete all sections of the Application to transfer existing insurance cover. We must receive your completed application within 31 days of you signing and dating the form, and attach a copy of your most recent statement from your former super fund or life insurance company to prove your cover and the amount of cover you re insured for, and the cover you want to transfer must not have any loadings. If it does, you won t be eligible to transfer cover to Cbus Industry Super, and if the cover you want to transfer has any conditions, exclusions or restrictions, this may be transferred subject to acceptance by the Insurer, and if the cover is under your previous super fund, you must transfer your entire account balance from that fund to Cbus Industry Super, and you must confirm that your cover in your previous fund or insurance policy will be cancelled when your cover starts with us. You won t be able to claim a benefit from us if you don t cancel your old cover, and if transferring cover from your previous super fund or life insurance policy, you must not choose to continue or restart it under the former fund or any other insurance arrangement, or take up a continuation option with any super fund, and the maximum Death and/or TPD cover you can transfer is $1 million, and your total cover must not be more than the maximum cover levels under the Cbus policy (see Limits on Death and TPD cover you can apply for on page 16 for details), and you must confirm you re in Active Employment. If you re not in Active Employment, you can t transfer your cover to Cbus Industry Super, and you re not currently applying for, not entitled to, or haven t been paid a TPD or terminal illness benefit from any super fund or life insurance policy, and you must confirm you don t have, or never have had, any disease, Illness or Injury, or any other conditions (other than colds, flu or mild asthma) which: - have required more than a total of 2 weeks off work during the last 12 months, or - have happened more than twice in the last two years and/or are currently causing you symptoms or needing treatment. What happens next? If the Insurer accepts your application, your cover under your former super fund or insurance policy will be matched by us, and rounded up to the next whole unit of cover. This is on top of any cover you may already have under Cbus Industry Super. From the date your Application to transfer existing insurance cover is accepted, your cover and all terms and conditions will be based on the Cbus Insurance Policy. This is regardless of what basis of cover applied under your previous super fund or insurance policy. Important note: Cover transfers depend on the answers you give on your application form. So it s important you don t cancel your cover with your previous super fund or insurance policy until we confirm your Application to transfer existing cover has been accepted. How to apply to transfer your cover Complete an Application to transfer existing insurance cover at or call the Service Centre on for a copy, making sure you: answer all insurance eligibility questions, and attach a copy of your most recent statement from your former super fund or life insurance company. We must receive your completed form within 31 days of you signing and dating it. How to change your occupation category after you ve joined If you feel the occupation category you re currently covered under is no longer right for you, you can apply to change this by completing an Application to change occupation category. If you apply within six months of becoming First Eligible, you ll receive the same amount of units under the new category, as long as we receive an accurately completed application. If you apply after six months of becoming First Eligible, your current level of cover will be converted as set out in the next sections. If a change in occupation category results in a higher level of cover than you had previously, you must be in Active Employment on the date that cover increases. If you re not, the extra cover you receive will be for New Events Cover for Death and TPD. Cover for all events will start from the date you re in Active Employment. Changing occupation categories from: Manual to Non-Manual Manual to Professional Non-Manual to Professional For the above scenarios, the dollar value of your cover at the time of applying will be matched and rounded up (if necessary) to the next whole unit of the occupation category you re changing to. Insurance handbook for Cbus Industry Super 19

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