Accessing your super early

Transcription

1 Accessing your super early If you have a terminal medical condition If you re suffering from a terminal medical condition you may be able to access your super before you reach your preservation age. Who s eligible? Under superannuation laws you may be eligible to access your super account early if you re suffering from a terminal medical condition, and two registered medical practitioners, (one of these being a specialist relevant to your illness) have certified that is likely to result in death within 24 months. If you have Death insurance cover with MLC you may also be eligible to make a claim for a Terminal Illness Insurance benefit if two registered medical practitioners, (one being a specialist relevant to your illness) have certified that you re suffering from an illness, or have incurred an injury, that is likely to result in death within 12 months of certification. Additional information may also be required by the insurer if you make a claim for a Terminal Illness Insurance benefit. Please return the information to Trustee Services PO Box 1585 North Sydney NSW 2059 Any questions? If you have any questions please call us on between 8 am and 6 pm (AEST) Monday to Friday. If you have insurance If you have premiums for any MLC insurance deducted from the account you want to close, your withdrawal may cause this insurance to be cancelled. To check if you re eligible to continue this insurance or if you do not know if you have Terminal Illness Insurance cover please call us on What information do you need to give us? You ll need to provide the documents listed below so we can assess your claim. Documents Terminal Medical Condition Claim Form Terminal Medical Condition Treating Doctor s Reports (2) Payment Instruction Form Certified proof of identity Notes A word about tax If your claim is approved, your super benefit will be paid to you tax free. If you have any further questions, you should speak to your financial adviser or tax agent. What is a certified copy? A certified copy means a document certified by an authorised person. Certified copies need to be signed, dated and include the following; This is a true copy of the original document sighted by me. This form needs to be completed by you. Please have two registered medical practitioners who are treating you complete these. Note that these are at your own expense. At least one of these will need to be completed by a specialist. This is needed if the Trustee approves the release of your super and we will use this instruction to finalise your claim. Please obtain financial advice before completing this form. Your proof of identity should include your full name, date of birth and current residential address (eg a driver s licence). You can find a list of acceptable documents in our Proof of Identity brochure enclosed. This fact sheet is issued by MLC Limited (ABN , AFSL ) as the administrator for and on behalf of the respective Trustee of the MLC superannuation funds, whose registered office is at Miller Street, North Sydney, NSW It is intended to provide general information only and should not be used as the basis for any financial or other decision. It has been prepared without taking into account any particular person s objectives, financial situation or needs. A person should therefore consider the appropriateness of this information to their particular circumstances and obtain financial advice. MLC Limited is a member of the National Australia Group of companies. MLC Limited ABN AFSL Part of the National Australia Bank Group of Companies. Accessing your super early 1

2 Privacy notification MLC Superannuation MLC Limited and its subsidiaries are members of the National Australia Group (the Group). The Group includes banking, financing, funds management, financial planning, superannuation, insurance, broking and e-commerce organisations. This statement is an outline of certain matters relating to the collection and handling of your personal information by Group organisations. Collecting your personal information Group organisations will collect personal information for the purposes of: providing you with a product or service (including assessing your application) managing and administering the product or service identifying you and protecting against fraud verifying your authority to act on behalf of a customer determining whether a beneficiary will be paid a benefit upon a person s death letting you know about products or services from across the Group that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities in which you may be interested. If you provide MLC with incomplete or inaccurate personal information, the Group organisation may not be able to process your requests and applications or manage or administer your products or services. It may also not be possible to tell you about other products or services from across the Group that might better serve your financial, e-commerce and lifestyle needs. Using and disclosing your personal information Group organisations may disclose your personal information to other organisations: involved in providing, managing or administering the products and services the Group offers, including third-party suppliers (eg printers, posting services), other Group organisations, its advisers and loyalty and affinity program partners who are your financial or legal advisers or representatives and their service providers involved in maintaining, reviewing and developing the Group s products, business systems, procedures and infrastructure including testing or upgrading the Group s computer systems involved in a corporate re organisation or involved in a transfer of all or part of the assets or business of a Group organisation involved in the payments system including financial institutions, merchants and payment organisations which are Group organisations which wish to tell you about their products or services that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities, and their related service providers, except where you tell the Group not to as required or authorised by law and/or where you have given your consent. Your personal information may also be used in connection with such purposes. Because the Group operates throughout Australia and overseas, some of these uses and disclosures may occur outside your state or territory and outside Australia. Gaining access to your personal information Subject to some exceptions allowed by law, you can gain access to your personal information. If access is denied, you will be given reasons for this. In some cases, your request may be dealt with over the telephone. For more information To find out more information about your personal information and privacy, please call the MLC Client Service Centre on MLC Limited ABN AFSL Part of the National Australia Bank Group of Companies. Privacy notification 2

3 Terminal Medical Condition Claim MLC Superannuation Issued by MLC Limited (ABN AFSL ) for and on behalf of: NULIS Nominees (Australia) Limited (ABN ) the trustee for MLC Super Fund (ABN ); NULIS Nominees (Australia) Limited (ABN AFSL ), the Trustee of MLCS Superannuation Trust (ABN ) Issued by Navigator Australia Limited (ABN AFSL ) for and on behalf of NULIS Nominees (Australia) Limited (ABN AFSL ), the Trustee of: MLC Superannuation Fund (ABN ); PremiumChoice Retirement Service (ABN ); DPM Retirement Service (ABN ) Member s details Policy/Member number Product name Title Mr Mrs Miss Ms Other First name Middle name Family name Date of birth (DD/MM/YYYY) Residential address (your residential address can t be a PO Box) Unit number Street number Street name Suburb State Postcode Country Postal address (if different to residential address) Unit number Street number Street name Suburb State Postcode Country Mobile phone number Home telephone Are you a sole trader? No Yes Please go to Disability details What is your business name? What is your business address? Suburb State Postcode Country Terminal Medial Condition Claim 1 of 4

4 Member s details continued What is your ABN? Disability details 1 What is the exact nature of the condition for which you are claiming? 2 When were the first symptoms noticed? Please provide the date and nature of the symptoms. Symptoms Date symptoms first noticed (DD/MM/YYYY) 3 Name and address of all doctors consulted for your condition, including dates of first and last consultation(s). Please provide the same information in a separate sheet if you consulted more than two doctors in relation to your condition. Name of first Doctor Unit number Street number Street name Suburb State Postcode Country Contact telephone Reason for seeing the doctor Date first consulted (DD/MM/YYYY) Date last consulted (DD/MM/YYYY) Name of second Doctor Unit number Street number Street name Suburb State Postcode Country Contact telephone Reason for seeing the doctor Date first consulted (DD/MM/YYYY) Date last consulted (DD/MM/YYYY) Terminal Medial Condition Claim 2 of 4

5 Disclosure of Client Representative To assist with the claims process you may want a family member or friend to receive information regarding your claim. Please read and complete the section below. I acknowledge that the information provided may include any information that MLC Limited (MLC) holds about me in respect of my claim including health, lifestyle, employment, financial, and insurance information. I authorise the people listed below to receive information on my behalf about my claim. They have been made aware and have consented to their personal details (name, date of birth and relationship to me) being given to MLC. I have also provided them with a copy of the brochure sent to me by MLC which details how MLC handles personal information and privacy. Name of Client Representative One Title Mr Mrs Miss Ms Other First name Relationship to me Family name Date of birth (DD/MM/YYYY) Name of Client Representative Two Title Mr Mrs Miss Ms Other First name Relationship to me Family name Date of birth (DD/MM/YYYY) Declaration and authority I declare that the answers provided by me are true and complete. I have not made any false or misleading statement and I have included all information relevant to the assessment of my claim. If any answers to the questions are not in my handwriting I certify that I have checked them and they are correct. I understand that if I do not give the information requested by MLC or its representative that MLC may not be able to assess, investigate or pay my claim. I understand that MLC will disclose, collect and use the information covered by this Declaration and Authority solely for the purpose of its administration of the policy, including this claim, and not for any other purpose. I hereby authorise MLC to disclose my personal information (which may include sensitive or health information) to the following parties. I further consent to these parties collecting information about me and releasing to MLC their report, including any information they may hold about me as it relates to MLC s administration of the policy, including this claim Any physician, hospital or any other healthcare provider who has attended or examined me in order for them to supply MLC with full particulars of my medical history including copies of all hospital or medical records, referral letters, reports and details of any clinical notes that have been made. Any claims assessor, investigator, medical professional, healthcare provider, insurance reference service, credit reference service, legal or accounting firm, auditor, employer, consultant or reinsurer for the purposes of producing a report concerning my claim. Any benefit provider such as other insurers or government departments (including workers compensation insurers, Centrelink or similar benefit providers) that provides benefits in the event of my sickness and/or injury. Any Trustee, administrator of any superannuation fund of which I am a member of. I authorise MLC to provide my Financial Adviser with copies of all correspondence (which may include personal and sensitive information) in respect of the claim. I also authorise my Financial Adviser to make inquiries regarding the progress of the claim for the purpose of providing me with ongoing service A photocopy of this authority is as valid as the original. Signature of Member Full name (please print) Date (DD/MM/YY) Terminal Medial Condition Claim 3 of 4

6 Send us your form Trustee Services PO Box 1585 North Sydney NSW 2059 Terminal Medial Condition Claim 4 of 4

7 Terminal Medical Condition Treating Doctor s Report MLC Superannuation Issued by MLC Limited (ABN AFSL ) for and on behalf of: NULIS Nominees (Australia) Limited (ABN ) the trustee for MLC Super Fund (ABN ); NULIS Nominees (Australia) Limited (ABN AFSL ), the Trustee of MLCS Superannuation Trust (ABN ) Issued by Navigator Australia Limited (ABN AFSL ) for and on behalf of NULIS Nominees (Australia) Limited (ABN AFSL ), the Trustee of: MLC Superannuation Fund (ABN ); PremiumChoice Retirement Service (ABN ); DPM Retirement Service (ABN ) Patient s details Policy/Member number Product name Title Mr Mrs Miss Ms Other First name Middle name Family name Date of birth (DD/MM/YYYY) Patient s diagnosis 1 What is the diagnosis of the patient s medical condition(s)? 2 Do you certify that the patient is suffering from an illness, or has incurred an injury, that is likely to result in their death within 24 months of certification? Yes Life expectancy is approximately <3 months 3 6 months 6 12 months months No Are you a specialist practicing in an area related to the illness or injury suffered by the patient? Yes Please state your specialty No 3 Date of diagnosis (DD/MM/YYYY) Date of first symptoms (DD/MM/YYYY) Terminal Medical Condition Treating Doctor s Report 1 of 2

8 Declaration and authority I hereby certify that I have personally attended the above patient and that the statements and information supplied by me on this form are true and complete. I acknowledge that: this information is provided for the primary purpose of the assessment and investigation of a claim, MLC may provide copies of this form to any Trustee, administrator of any superannuation fun of which the patient is a member of. Copies may also be provided to third parties, for example, medical specialists or claims assessors from whom MLC seeks an independent reports or to any other person deemed necessary to assist in the assessment or investigation of this claim. A photocopy of this authority is as valid as the original. Signature of Medical Practitioner Full name (please print) Qualification(s) PO Box number Unit number Street number Street name Suburb State Postcode Country Business telephone Facsimile number Signature Date (DD/MM/YY) Any charge for this certificate must be paid by the patient. Send us your form Please return this form and any attachments to: Trustee Services PO Box 1585 North Sydney NSW 2059 trustee.services@mlc.com.au Terminal Medical Condition Treating Doctor s Report 2 of 2

9 Terminal Medical Condition Treating Doctor s Report MLC Superannuation Issued by MLC Limited (ABN AFSL ) for and on behalf of: NULIS Nominees (Australia) Limited (ABN ) the trustee for MLC Super Fund (ABN ); NULIS Nominees (Australia) Limited (ABN AFSL ), the Trustee of MLCS Superannuation Trust (ABN ) Issued by Navigator Australia Limited (ABN AFSL ) for and on behalf of NULIS Nominees (Australia) Limited (ABN AFSL ), the Trustee of: MLC Superannuation Fund (ABN ); PremiumChoice Retirement Service (ABN ); DPM Retirement Service (ABN ) Patient s details Policy/Member number Product name Title Mr Mrs Miss Ms Other First name Middle name Family name Date of birth (DD/MM/YYYY) Patient s diagnosis 1 What is the diagnosis of the patient s medical condition(s)? 2 Do you certify that the patient is suffering from an illness, or has incurred an injury, that is likely to result in their death within 24 months of certification? Yes Life expectancy is approximately <3 months 3 6 months 6 12 months months No Are you a specialist practicing in an area related to the illness or injury suffered by the patient? Yes Please state your specialty No 3 Date of diagnosis (DD/MM/YYYY) Date of first symptoms (DD/MM/YYYY) Terminal Medical Condition Treating Doctor s Report 1 of 2

10 Declaration and authority I hereby certify that I have personally attended the above patient and that the statements and information supplied by me on this form are true and complete. I acknowledge that: this information is provided for the primary purpose of the assessment and investigation of a claim, MLC may provide copies of this form to any Trustee, administrator of any superannuation fun of which the patient is a member of. Copies may also be provided to third parties, for example, medical specialists or claims assessors from whom MLC seeks an independent reports or to any other person deemed necessary to assist in the assessment or investigation of this claim. A photocopy of this authority is as valid as the original. Signature of Medical Practitioner Full name (please print) Qualification(s) PO Box number Unit number Street number Street name Suburb State Postcode Country Business telephone Facsimile number Signature Date (DD/MM/YY) Any charge for this certificate must be paid by the patient. Send us your form Please return this form and any attachments to: Trustee Services PO Box 1585 North Sydney NSW 2059 trustee.services@mlc.com.au Terminal Medical Condition Treating Doctor s Report 2 of 2

11 Payment Instruction MLC Superannuation Issued by MLC Limited (ABN AFSL ) for and on behalf of: NULIS Nominees (Australia) Limited (ABN ) the trustee for MLC Super Fund (ABN ); NULIS Nominees (Australia) Limited (ABN AFSL ), the Trustee of MLCS Superannuation Trust (ABN ) Issued by Navigator Australia Limited (ABN AFSL ) for and on behalf of NULIS Nominees (Australia) Limited (ABN AFSL ), the Trustee of: MLC Superannuation Fund (ABN ); PremiumChoice Retirement Service (ABN ); DPM Retirement Service (ABN ) This payment instruction will be used to finalise your claim once the Trustee approves the release of your super. By submitting this form you agree for your payment instructions to be processed as soon as an approval for release is granted by the Trustee. Please obtain financial advice prior to completing this form. Your details Policy/Member number Product name Title Mr Mrs Miss Ms Other First name Middle name Family name Date of birth (DD/MM/YYYY) Are you a sole trader? Yes No Residential address (your residential address can t be a PO Box) Unit number Street number Street name Suburb State Postcode Country Tax File Number Mobile number Payment instruction 1 Please specify your payment type and percentage. This must add up to 100%. Lump Sum % Please go to Question 2 Pension % Contact MLC or your financial adviser for a Pension application form. Please go to Question 3 Rollover % Contact MLC and complete a Withdrawal/Rollover form. Please go to Question 3 Payment Instruction 1 of 4

12 Payment instruction continued 2 Please provide your account details. Where the Trustee is unable to electronically transfer money to your account a cheque will be issued. Name of Bank Name of account holder(s) BSB Account number 3 If contributions were made in the previous or current financial year, please specify in the table below. Contribution Current Financial Year 1 / 7 / 30 / 6 / Previous Financial Year 1 / 7 / 30 / 6 / Personal contribution $ $ Employer contribution $ $ Other contribution (Spousal or under 18) $ $ Total member contributions ($ amount only) $ $ 4 Do you intend to claim a tax deduction for the above personal contributions made in the current or previous financial year? The Trustee cannot accept a notice to claim a deduction once the benefit has been paid. No Please go to Question 5 Yes Please provide details in the table below I am making this claim before both of the following dates: the day that I lodged my income tax return(s) for the year(s) stated in the table below, and the end of the income year after the year(s) stated in the table below. I have not previously started a pension with any part of these contributions. My account still holds these contributions. I have not previously advised MLC that I am claiming the amount specified below as a tax deduction. Contribution Current Financial Year 1 / 7 / 30 / 6 / Previous Financial Year 1 / 7 / 30 / 6 / Amount of personal contributions you wish to claim as a tax deduction ($ amount only) $ $ Proof of Identity You must provide certified copies of identification before we can process your request. 5 Have you provided certified proof of identity? No Yes Please attach proof of identity (please refer to attached Proof of Identity brochure). Please go to Declaration Payment Instruction 2 of 4

13 Declaration I declare that: All details in this form are true and correct. I have not previously advised MLC that I am claiming the amount specified in Question 3 as a tax deduction. Where I have selected a pension, I have read the current Product Disclosure Statement for MLC MasterKey Pension Fundamentals and have completed a separate application form. I understand that this payment instruction will generate a payment. Signature Full name (please print) Date (DD/MM/YY) Payment Instruction 3 of 4

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15 Proof of Identity MLC Superannuation Issued by MLC Limited (ABN AFSL ) for and on behalf of: NULIS Nominees (Australia) Limited (ABN ) the trustee for MLC Super Fund (ABN ); NULIS Nominees (Australia) Limited (ABN AFSL ), the Trustee of MLCS Superannuation Trust (ABN ) Issued by Navigator Australia Limited (ABN AFSL ) for and on behalf of NULIS Nominees (Australia) Limited (ABN AFSL ), the Trustee of: MLC Superannuation Fund (ABN ); PremiumChoice Retirement Service (ABN ); DPM Retirement Service (ABN ) You must provide certified copies of either of the following identification document(s) before any payment can be made. Part A. Acceptable primary documents If you do not own a document from this section, then provide documents from Part B. Provide only ONE document from this section (please tick). Australian State/Territory or foreign equivalent driver s licence containing a photograph of the person Australian passport or foreign equivalent (a Commonwealth passport that has expired within the preceding 2 years is acceptable) Australian card issued under a State or Territory for the purpose of providing a person s age containing a photograph of the person Part B. Acceptable secondary Australian ID documents If you do not own a document in Part A above, please provide TWO documents from Part B. Provide ONE document from this section (please tick) AND Australian or foreign equivalent birth certificate Australian or foreign equivalent citizenship certificate Australian pension card issued by the Department of Human Services Provide ONE document from this section (please tick). A document issued by the Australian Commonwealth or a State or Territory within the preceding 12 months that records the provision of financial benefits to the individual and which contains the individuals name and residential address. A document issued by the Australian Taxation Office within the preceding 12 months that records a debt payable by the individual to the Commonwealth (or by the Commonwealth to the individual), which contains the individuals name and residential address. A document issued by an Australian local government body or utilities provider within the preceding 3 months which records the provision of services to that address or to that person (the document must contain the individuals name and residential address). If under the age of 18, a notice that was issued to the individual by a school principal within the preceding 3 months and contains the name and residential address and records the period of time that the individual attended that school. * Documents that are written in a language that is not English, must be accompanied by an English translation prepared by an accredited translator. Proof of Identity 1 of 2

16 The Anti-Money Laundering and Counter-Terrorism Financing Rules 2007 (No. 1) list the following parties as being authorised to certify your ID documents: 1. A person who is currently licensed or registered under a law to practice in one of the following occupations: Chiropractor Dentist Legal Practitioner Medical Practitioner Nurse Optometrist Patent Attorney Pharmacist Physiotherapist Psychologist Trade Marks Attorney Veterinary Surgeon. 2. A person who is enrolled on the roll of the Supreme Court of a State or Territory, or the High Court of Australia, as a legal practitioner (however described); or 3. A person who is on the following list: Agent of the Australian Postal Corporation who is in charge of an office supplying postal services to the public Australian Consular Officer or Australian Diplomatic Officer (within the meaning of the Consular Fees Act 1955) Bailiff Bank officer with 2 or more continuous years of service Building society officer with 2 or more years of continuous service Chief executive officer of a Commonwealth court Clerk of a court Commissioner for Affidavits Commissioner for Declarations Credit union officer with 5 or more years of continuous service Employee of the Australian Trade Commission who is: (a) in a country or place outside Australia; and (b) authorised under paragraph 3 (d) of the Consular Fees Act 1955; and (c) exercising his or her function in that place Employee of the Commonwealth who is: (a) in a country or place outside Australia; and (b) authorised under paragraph 3 (c) of the Consular Fees Act 1955; and (c) exercising his or her function in that place Fellow of the National Tax Accountants Association Finance company officer with 2 or more years of continuous service Holder of a statutory office not specified in another item in this Part Holder of an Australian financial services licence having 2 or more years continuous service Holder of Australian credit licence having 2 or more years continuous service Judge of a court Justice of the Peace Magistrate Marriage celebrant registered under Subdivision C of Division 1 of Part IV of the Marriage Act 1961 Master of a court Member of Chartered Secretaries Australia Member of Engineers Australia, other than at the grade of student Member of the Association of Taxation and Management Accountants Member of the Australian Defence Force who is: (a) an officer; or (b) a non-commissioned officer within the meaning of the Defence Force Discipline Act 1982 with 5 or more years of continuous service; or (c) a warrant officer within the meaning of that Act Member of the Institute of Chartered Accountants in Australia, the Australian Society of Certified Practising Accountants or the National Institute of Accountants Member of: (a) the Parliament of the Commonwealth; or (b) the Parliament of a State; or (c) a Territory legislature; or (d) a local government authority of a State or Territory Minister of religion registered under Subdivision A of Division 1 of Part IV of the Marriage Act 1961 Notary public Permanent employee of the Australian Postal Corporation with 5 or more years of continuous service who is employed in an office supplying postal services to the public Permanent employee of: (a) the Commonwealth or a Commonwealth authority; or (b) a State or Territory or a State or Territory authority; or (c) a local government authority; with 2 or more years of continuous service who is not specified in another item in this Part Person before whom a statutory declaration may be made under the law of the State or Territory in which the declaration is made Police officer Registrar, or Deputy Registrar, of a court Senior Executive Service employee of: (a) the Commonwealth or a Commonwealth authority; or (b) a State or Territory or a State or Territory authority Sheriff Sheriff s officer Teacher employed on a full-time basis at a school or tertiary education institution Member of the Australasian Institute of Mining and Metallurgy Acceptable certification of ID documents Each copy of the ID must be certified by the approved certifier as follows. The approved certifier must write the following on each photocopy: This is a true copy of the original document(s) which I have sighted: Full name eg Michelle Helena Citizen Contact address and telephone number; Date of certification; Signature; The capacity in which they have certified the document (eg judge, magistrate, police officer, etc); Affix the official stamp or seal of the certifier s organisation M0716 Proof of Identity 2 of 2