Insurance Guide. Accumulation section 30 September United Technologies Corporation Retirement Plan
|
|
- Derick Austin
- 5 years ago
- Views:
Transcription
1 United Technologies Corporation Retirement Plan Insurance Guide Accumulation section 30 September 2017 Inside Your insurance benefits 2 Standard insurance 2 Insurance fees 3 Additional voluntary insurance 4 What is the fee for additional voluntary insurance? 6 When is medical evidence required? 7 What you need to know 8 Risks associated with insurance cover 9 How do I make a claim? 10 Special terms 10 Issued by Towers Watson Superannuation Pty Ltd (ABN , AFSL ) as Trustee of the United Technologies Corporation Retirement Plan (ABN ) MySuper Authorisation number UTC helpline
2 Contact us The Plan Administrator UTC Retirement Plan PO Box 1442 Parramatta NSW 2124 Helpline: Website: You can also write to: The Advisory Policy Committee C/- Barry Singer Otis Elevator Pty Ltd 363 George Street Sydney NSW 2000 Important information The information in this document forms part of the Product Disclosure Statement (PDS) dated 30 September 2017 for the Accumulation section of the Plan. It should be read in conjunction with the other documents which form part of the PDS. You should consider that information before making a decision about the product or deciding whether your insurance is appropriate. The information provided in this PDS is general information only and does not take into account your particular objectives, financial circumstances or needs. It is not personal or tax advice. Any examples included are for illustration only and are not intended to be recommendations or preferred courses of action. You should consider obtaining professional advice about your particular circumstances before making any financial or investment decisions based on the information contained in this document. Information on tax and superannuation legislation is current as at 30 September The Trustee reserves the right to correct any errors or omissions. Information contained in this document that is not materially adverse is subject to change from time to time and may be updated if it changes. Updated information can be found at In addition, we will provide a hardcopy free of charge on request, if you contact the Plan s superannuation helpline on Your insurance benefits As an Accumulation member of the Plan, you are eligible for standard insurance cover that may provide an additional benefit on death, terminal illness or total and permanent disablement (TPD) if you are a UTC employee. Eligible members can also elect to take out additional voluntary insurance if you wish to top up your insurance cover. This document explains how the Plan s insurance works, including the terms and conditions which apply. If you die or become terminally ill or totally and permanently disabled while a member of the Plan, the Plan will pay a benefit equal to the total of your Accumulation account plus your insured benefit (if any). Eligible members may apply for additional voluntary insurance. The fee for your insurance will be deducted from your Accumulation account. Standard insurance The standard insurance benefit is a multiple of your salary determined at the previous 1 July or the date you join the Plan (if later). The multiple of salary is fixed according to a reducing scale as set out in the table to the right. For insurance purposes, all employees (including casual employees) are deemed to receive a minimum salary of $25,000 per year. This means that the standard minimum insurance for employees under age 55 is $50,000 (that is, 2 x $25,000). Information on your benefits during any periods of leave without pay is included in the Super Guide. 2 The UTC Retirement Plan Age next birthday at previous 1 July* Multiple of salary 55 or under * For example, your insured benefit for the period from 1 July 2016 to 30 June 2017 will be based on your salary and your age next birthday as at 1 July Salary for insurance purposes is base salary, excluding commissions, bonuses, allowances and overtime. For Otis employees, however, Lift Industry Allowance is included.
3 Insurance fees The fees for the Plan s insurance for all members are shown in the table below. These are standard fee rates. If you are asked to provide evidence of good health, the insurer may impose a loading on the fee in respect of the cover being assessed. age LAST BIRTHDAY Annual fee per $1,000 of insurance Death and TPD cover $ Death only cover $ * Only applies to additional voluntary insurance. age LAST BIRTHDAY Annual fee per $1,000 of insurance Death and TPD cover $ Death only cover $ * * * * * Example Bob is a permanent employee aged 40 receiving a salary of $50,000 a year with standard insurance for death and TPD of $100,000 (2 x $50,000). The total fee for Bob s standard insurance would be: $1.14 x $100,000 $1,000 = $ a year After Bob reaches age 55, the total level of his insurance will reduce in line with the standard insurance scale shown on page 2. Therefore, when Bob is age 55, the standard insurance will reduce to 1.8 x salary. With Bob earning $50,000, his standard insurance would be 1.8 x $50,000 (=$90,000). The fee for Bob s standard insurance would be: $6.08 x $90,000 $1,000 = $ a year UTC helpline
4 Casual and part-time employees The standard insurance benefit applies for all employees, however, if you are working less than 15 hours per week, a different definition of TPD applies to you. See page 8 for the full definition. Casual employees are not eligible for TPD insurance. If you are working part time, you will be deemed to receive the full-time equivalent salary for insurance purposes. For example, if a member is working three days per week and earns $30,000 per year their insurance benefit will be based on a full-time equivalent salary of $50,000 per year (i.e. $30,000 x 5/3) as if they worked a five-day week. Additional voluntary insurance Additional voluntary insurance is paid as well as standard cover if you die or are eligible for a TPD or terminal illness benefit. Medical evidence is generally required when you apply for additional voluntary insurance. It may not be required if you satisfy the special conditions described on page 5 when a Life Event occurs. Insurance is available for death up to age 70. TPD insurance is available up to age 65. Casual employees are not eligible for voluntary TPD insurance. How much cover can I purchase? Additional voluntary insurance is available in units. If you are under age 55, each unit provides $50,000 of cover. The value of each unit of TPD cover reduces once you are over age 55, as shown in the table below. Each unit of death cover remains at $50,000, up to age 70. There is no limit to the number of units of additional voluntary insurance you may apply for, however, your total insurance under the Plan may not exceed $5 million for TPD cover. Age next birthday at previous 1 July Amount per unit for tpd Amount per unit for death 55 or under $50,000 $50, $45,000 $50, $40,000 $50, $35,000 $50, $30,000 $50, $25,000 $50, $20,000 $50, $15,000 $50, $10,000 $50, $5,000 $50, Nil $50, or over Nil Nil Example Allan is age 60 next birthday at the previous 1 July and successfully applies for two units of additional voluntary cover. This means Allan is covered for: 2 x $50,000 = $100,000 of death cover; plus 2 x $25,000 = $50,000 of TPD cover. This cover is in addition to his standard cover in the Plan. 4 The UTC Retirement Plan
5 When is cover available without medical evidence? Plan members have opportunities to purchase additional voluntary cover for death and TPD without the need for medical evidence if any of the following Life Events occur: Your marriage; Your dependent child starts secondary school; The birth of your child; Adoption of a child; or Taking out a mortgage or increasing your mortgage on your principal place of residence by at least $100,000 (excludes re-draw and refinancing). One additional voluntary unit of cover is available without medical evidence for each Life Event. Some conditions apply: You must apply within 90 days of the Life Event; and You must provide the required Proof of Life Event (see page 10 for details); and You may only apply once in any 12 month period, up to 3 separate occasions in total but only once ever for marriage; and You must not be aged over 55 years at the date of the Life Event; and You must not have previously been refused additional voluntary cover within the UTC Plan; and You must not have previously made a claim or been entitled to claim under any life insurance policy; and You may only apply once in respect of marriage; and Your standard insurance, plus all additional voluntary cover, cannot exceed $1.5 million; and Within the first six months, the increased amount is only payable if death or total and permanent disablement results from an accident. UTC helpline
6 What is the fee for additional voluntary insurance? The fee for additional voluntary insurance is the same as the fee for standard insurance. The fee for each $1,000 of insurance depends on your age last birthday and is shown in the table on page 3. This is deducted from your Accumulation account in the Plan each month. How do I apply for additional voluntary insurance cover? To apply for additional voluntary insurance, you need to complete the Application and change form. The insurer will determine whether medical evidence is required and the Plan Administrator will send you the necessary information to complete. You may be required to complete a Personal Statement; however, more detailed medical or financial evidence may also be required, particularly for higher levels of cover. You should read the Duty of disclosure section of the insurer s forms carefully. If your application is accepted, the Plan Administrator will send a letter confirming the amount of insurance that has been accepted, the date that cover commences and any restrictions that apply. In certain circumstances, the Plan s insurer may apply a loading to the fee for additional voluntary insurance cover. If this happens, you will be given the option of accepting the increased fee or withdrawing your application for additional voluntary insurance cover. On leaving service, any additional voluntary insurance cover you have taken out, together with your standard insurance cover, can be converted to an individual policy under the normal continuation option terms and conditions described on page 9. Example Alice, a permanent employee aged 34, applies for $150,000 (3 x $50,000) of additional voluntary insurance for death and TPD. The total annual fee of her additional voluntary insurance is: $0.70 x $150,000 $1,000 = $ The UTC Retirement Plan
7 When is medical evidence required? Standard insurance In most cases, medical evidence is not required to receive standard death and (if applicable) TPD insurance from the Plan. Medical evidence may be required if you: Were not Actively at work (see Special terms on page 10) on your first day of employment; or Have Plan insurance that exceeds $1.5 million; or Commence contributions to the Plan after previously exercising Choice of Fund to contribute to another fund during your current employment. Additional voluntary insurance Medical evidence is generally required when you apply for additional voluntary insurance. It is not required if you satisfy the special conditions described on page 5 when a Life Event occurs. Where medical evidence is required If medical evidence is required, the insurance cover being requested will not be available until the medical evidence has been assessed and the cover approved by the insurer. While medical evidence is being assessed, Interim Accident cover (see page 10 for details) is provided for a maximum period of 90 days. When accepting your insurance, the insurer may impose restrictions or exclusions on your cover, or charge extra fees. It may even decline your application for cover. If this happens, the Trustee may reduce your benefits under the Plan. You will be notified if this is the case. The insurer also has to examine any claims for death or TPD lodged by members and will require medical evidence to verify disablement claims. If the insurer does not accept your claim, your benefits under the Plan may be reduced. UTC helpline
8 What you need to know How do I qualify for total and permanent disablement? To be totally and permanently disabled (TPD) you must satisfy the Trustee and insurer that you meet the TPD definition. Casual employees are not eligible for TPD cover. TPD is defined as follows: If you have been gainfully employed for an average of 15 hours per week for at least six months, then suffer an illness or injury and, as a result of that illness or injury, you are: totally unable to engage in any occupation, business, profession or employment for a period of six consecutive months; and determined by the insurer and the Trustee at the end of that six month period and certified by at least two medical practitioners, to be permanently incapacitated to such an extent as to render you unlikely ever to engage in any gainful occupation, business profession or employment, for which you are reasonably suited by education, training or experience. OR If you were gainfully employed when suffering an illness or injury and, as a result of that illness or injury, you: suffer a permanent impairment of at least 25% of whole person impairment as defined in the American Medical Association publication Guides to the Evaluation of Permanent Impairment, 4 th edition, or an equivalent guide to impairment approved by us; and are disabled to such an extent, as a result of this impairment, that you are unlikely ever again to be able to engage in any occupation, business, profession, or employment for which you are reasonably suited by your education, training or experience and at least two medical practitioners certify that to be the case. There may be other circumstances in which TPD benefits may be payable and full details are contained in the Plan s insurance policy. Slightly different circumstances apply if your insurance cover commenced before 1 July You can contact the Plan Administrator for more information. When does my insurance cover start? Standard insurance cover of up to $1.5 million starts from the date you start employment, provided that you: Join the Plan when you start employment; and Are Actively at work on the date you start employment. Where your standard insurance requires medical evidence for one of the reasons described on page 7, the cover that is subject to the medical evidence will 8 The UTC Retirement Plan not be effective until all required evidence has been provided and your application is accepted by the insurer. While the evidence is being assessed, Interim Accident cover will apply for up to 90 days (see page 10 for details). Additional voluntary insurance starts when we advise you that your application for voluntary insurance has been accepted. While your application is being assessed, Interim Accident cover will apply for up to 90 days. When does my insurance cover stop? Your insurance benefit payable in the event of your death, terminal illness or total and permanent disablement is insured through a policy with the Plan s insurer. If insurance cover for you ends, or if the Plan s insurer does not agree to provide insurance cover for any reason, or if your insurance claim is declined, your benefits under the Plan may be reduced accordingly. It is therefore important to understand the circumstances under which your insurance cover will stop. While you remain employed by the Company, your insurance cover will stop if: You stop Company contributions to the Plan by choosing another fund for future Company contributions. Cover stops on the first day of the period for which Company contributions are due to be made to another fund; You reach age 70 (for death only additional voluntary insurance cover); You reach age 65 (for standard death cover and all TPD and terminal illness cover); Your account has an insufficient balance to pay your monthly insurance fee. Cover will stop at the end of the month following the month your account balance becomes too low. Your insurance cover will also stop on the day before you commence service in the armed forces of any country. Insurance cover will continue for up to 24 months if you are Actively at work but on employer-approved leave of absence or parental leave, providing you do not join the armed forces and insurance fees continue to be paid. Extension of cover If you leave the Company before age 60, the Plan will continue insurance cover for death and TPD until the earliest of: The day you begin working for another employer; The day you take out an individual insurance policy under the Plan s continuation option; The date a death, terminal illness or TPD benefit is paid for you or your beneficiaries; You die;
9 26 weeks after employment ends (in the case of death cover only); or 60 days after employment ends in the case of TPD and terminal illness cover. During your extension period, your insurance cover will be equal to the insurance amount you (or your beneficiaries) would have received from the Plan if you had died or became totally and permanently disabled or terminally ill on the day your employment ended. Death cover during the 26 week extension period will not be paid in the event of suicide. Can I continue my insurance cover after I ve left the Company? When you leave the Company, you may have the opportunity of continuing the death and TPD cover you had as a member of the Plan without the need to provide evidence of good health. To do this you need to purchase an individual insurance policy through the Plan s insurer. You will only be able to apply for the same level of cover or less than you had on the day you left the Company. The fees for this policy will be based on the insurer s current retail premium rates and will be different to those you paid while a member of the Plan. To be eligible to take advantage of this continuation option, you must satisfy the following conditions: You must apply within 60 days of leaving employment; You must be less than 60 years of age on the date that is 60 days after leaving employment; You must have ceased employment (choosing another superannuation fund while still employed with the Company does not qualify); For TPD insurance you must commence full-time employment in an acceptable, insurable occupation within 90 days of ceasing employment; You must not have joined the armed forces; You must not have received, nor be eligible to receive any benefits under the Plan s insurance policy or similar payments under any other policy; You must be an Australian resident or holder of a visa and not residing outside Australia; You must not have previously taken out a continuation option with the Plan s insurer; and You must not have ceased employment with your employer due to disability. If you take out an individual policy with the Plan s insurer, no medical evidence will normally be required. However, any restrictions, loadings or other special terms that applied to your cover while you were a member of the Plan will continue to apply to the individual policy. You must also satisfy the insurer s criteria in relation to occupation, pastimes, smoking status and residency status. For more information on continuing your insurance cover when you leave the Company, contact the Plan Administrator. How do I change my insurance cover? You can opt out of standard insurance cover (both death and TPD) at any time by writing to the Plan Administrator. You can also choose to opt out of your standard TPD cover only, retaining your death cover. You cannot opt out of death cover and retain only your TPD cover. You can reduce or cancel your additional voluntary insurance cover at any time by completing the relevant section on the Additional voluntary insurance form available from the website. Risks associated with insurance cover The Trustee uses an insurance policy to meet the insurance benefits payable on death or total and permanent disablement. If the insurance company imposes restrictions or special conditions on your insurance or refuses to pay a claim, the Trustee has the power under the Trust Deed to adjust your benefits. As a result, there are a number of risks associated with the restrictions and special conditions that may be imposed by the insurance company. These include: The risk that you may suffer an injury or illness such that you cannot work, but are not sufficiently injured or ill to satisfy the Plan s definition of disablement. In this case, the TPD benefit will not be paid. The risk that, even if your claim is accepted, it may take some time for payment to be made. For example, it can take some time to obtain all the required information to assess the claim. The risk that the insurer may refuse to provide cover in certain circumstances, for example, if you commit suicide or intentionally injure yourself, or make a claim caused by war. The risk that the maximum amount of cover allowed under the policy may be insufficient to meet your needs. The risk that the insurance company may decline (or defer) your cover, which may also affect your ability to obtain insurance cover in the future. The risk that the insurance company may not provide cover if you are required to work overseas. UTC helpline
10 How do I make a claim? To make a total and permanent disablement claim or a terminal illness claim, you should contact the Plan Administrator to obtain the appropriate forms. It is in your interests to lodge your claim as soon as possible. The Trustee may require you to undergo one or more medical examinations in order to determine whether you satisfy the definition of total and permanent disablement (see page 8). It can take some time to obtain all the required information and/or arrange appointments for medical examinations. This means that it may be some time before your claim is finalised by the Trustee, and, if it is accepted, for payment to be made. You will be kept informed of the progress of your claim. Special terms Actively at work means you are actively performing all the duties of your usual occupation, working your usual hours free from any limitation due to illness or injury and not in receipt of and/or entitled to claim income support benefits from any source including worker s compensation benefits, statutory motor accident benefits or disability income benefits (including government income support benefits). Interim Accident cover will commence on receipt of an application for cover and pays a benefit where total and permanent disability or death is the result of an accident. The Interim Accident Benefit will be the lesser of the benefit being applied for and $1.5 million. Interim Accident cover will expire on the earliest of: 90 days after the commencement of the Limited cover; The date on which the insurer gives notice that your request for insurance is accepted or declined; The date you cancel or withdraw your request for insurance; or The date you cease employment. No Interim Accident Benefit will be payable: For injury caused by engaging in hazardous pastimes or sports that would not be covered under the insurer s normal assessment guidelines; For injury resulting from an intentional act or omission; For injury occurring prior to the date of becoming eligible; If the cover applied for would have been declined under the insurer s normal assessment guidelines; or If you lodge a claim for an event or condition that would have been excluded under the insurer s normal underwriting process. The insurer will not pay more than one benefit under this Interim Accident cover for any one accident to any person. Proof of Life Event The following documents are required to provide proof of a Life Event: Marriage: Dependent child starts secondary school: Birth of Child: Adoption: Mortgage: Marriage Certificate Letter of admission Birth Certificate Certificate of Adoption Loan document or other supporting evidence from the mortgage lender Terminal Illness means an illness or injury that in the opinion of at least two medical practitioners (one of whom the insurer may elect and require to be a specialist physician) is likely to lead to the death of the insured member within 12 months from the date of diagnosis. Insurance Guide Accumulation section Version 10, 30 September The UTC Retirement Plan 10
INSURANCE IN YOUR SUPER
INSURANCE IN YOUR SUPER ORACLE EMPLOYEE AND RETAINED BENEFIT MEMBERS 31 AUGUST 2018 CONTENTS Your insurance cover 1 Additional insurance cover 3 How to make an insurance claim 4 Insurance risks 5 Insurance
More informationContents. Contact us.
BOCSUPER This document is for permanent employees of BOC Limited. Retained and Spouse members should refer to their version of the Insurance information document. Contents 3 Overview 4 Automatic insurance
More informationENERGY SUPER INSURANCE GUIDE PREPARED AND ISSUED 1 JULY IBR Energy Super Insurance Guide. IBR Energy Super Insurance Guide
1 ENERGY SUPER INSURANCE GUIDE PREPARED AND ISSUED 1 JULY 2018 ENERGY SUPER INSURANCE GUIDE CONTENTS Insurance overview 2 Death & Total and Permanent Disablement (TPD) cover 2 Income Protection Cover 13
More informationAsgard Employee Super Account - Ernst & Young
Asgard Employee Super Account - Ernst & Young Part 3 Insurance Additional Information Booklet Part 3 Insurance Issued: 30 September 2017 Trustee: BT Funds Management Limited ABN 63 002 916 458 AFSL 233724
More informationYour super application and change form
United Technologies Corporation Retirement Plan Your super application and change form Accumulation members UTC gives you a number of options for your super. Use this form to: < Join the Plan if you are
More informationDominion Superannuation Master Trust
Dominion Superannuation Master Trust Product Disclosure Statement Part 2 of 2 parts Group Insurance Issued 20 August 2012 This product is issued by: Oasis Fund Management Limited ABN 38 106 045 050 AFSL
More informationANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES ONEPATH LIFE LIMITED WATPAC SUPERANNUATION PLAN
ANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES ONEPATH LIFE LIMITED WATPAC SUPERANNUATION PLAN INSURANCE GUIDE ISSUED 17 MARCH 2018 DEATH AND TOTAL AND PERMANENT DISABLEMENT COVER INCOME PROTECTION
More informationoptional income protection insurance
guide to optional income protection insurance Guide to Optional Income Protection Insurance DuluxGroup Employees Superannuation Fund The DuluxGroup Employees Superannuation Fund (DuluxGroup Super) is managed
More information5. INSURANCE. 1 July 2017 SECTION CONTENTS
5. INSURANCE 1 July 2017 The information in this document forms part of the Kinetic Super Product Disclosure Statement dated 1 July 2017. SECTION CONTENTS 1. Your insurance options 28 2. Automatic Insurance
More informationEmplus Personal Division Insurance Guide
Personal Division Insurance Guide Preparation Date: 01/01/2018 Trustee and Issuer: The trustee and issuer of the Emplus Superannuation Fund (ABN 18 838 658 991 Fund Registration Number R1067880) is: Equity
More informationANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES INSURANCE GUIDE ISSUED 17 MARCH 2018 TAILORED EMPLOYER PLANS
ANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES INSURANCE GUIDE ISSUED 17 MARCH 2018 TAILORED EMPLOYER PLANS ANZ SMART CHOICE SUPER ENTITY DETAILS IN THIS INSURANCE GUIDE Name of legal entity
More informationInsurance Guide Goldman Sachs & JBWere Superannuation Fund
Insurance Guide Goldman Sachs & JBWere Superannuation Fund This Guide contains information regarding: Insurance in your super The information in this document forms part of the Product Disclosure Statement
More informationPromoter & Investment Manager Spitfire Asset Management Pty Ltd
Insurance Guide 1st June 2018 - Version 1.1 Contents 1. Insurance in Spitfire Super 2. Death and TPD Insurance 3. Income Protection Insurance 4. Insurance Costs 5. Features of Spitfire Super s Insurance
More informationPlum Superannuation Fund
This guide gives you information about the insurance available through your super. A financial adviser can help you decide if this insurance is right for you. Or, you can assess if you have adequate insurance
More informationANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES INSURANCE GUIDE ISSUED 17 MARCH 2018 STANDARD EMPLOYER PLANS
ANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES INSURANCE GUIDE ISSUED 17 MARCH 2018 STANDARD EMPLOYER PLANS ANZ SMART CHOICE SUPER ENTITY DETAILS IN THIS INSURANCE GUIDE Name of legal entity
More informationWA Super Insurance Guide V11.0
MY SUPER APPROVED WA Super Insurance Guide V11.0 The information in this document forms part of the WA Super Product Disclosure Statement V11.0, 21 November 2016 You should read the PDS in conjunction
More informationAbout your insurance benefits
Product disclosure statement 1 July 2017 Guide 6 Your death and disablement benefits Equip Rio Tinto Fund Employee members 01 About your insurance benefits 02 Eligibility for insurance cover 03 Choosing
More informationANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES
ANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES ONEPATH LIFE LIMITED CISCO SYSTEMS AUSTRALIA PTY LTD SUPERANNUATION PLAN INSURANCE GUIDE ISSUED 17 MARCH 2018 DEATH AND TOTAL AND PERMANENT DISABLEMENT
More informationPlum Super South32 Superannuation Plan Insurance Guide
Plum Super South32 Superannuation Plan Insurance Guide Preparation date 1 November 2016 Issued by the Trustee NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL 236465 The Insurer Insurance is
More informationPlum Super BHP Billiton Superannuation Fund (Plan) Retained Benefits Division Insurance Guide
Plum Super BHP Billiton Superannuation Fund (Plan) Retained Benefits Division Insurance Guide Preparation date 1 July 2016 Issued by The Trustee NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL
More informationPlum Super Findex Staff Superannuation Plan Insurance Guide
Plum Super Findex Staff Superannuation Plan Insurance Guide Preparation date 1 October 2016 Issued by the Trustee NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL 236465 The Insurer Insurance
More informationYour insurance provider
Product disclosure statement 1 July 2017 Guide 7 Your death and disablement benefits Equip Rio Tinto Fund Personal members 01 About your insurance benefits 02 Your insurance provider 03 Eligibility for
More informationAccumulation Basic Stevedores Division Insurance Supplement
Accumulation Basic Stevedores Division Insurance Supplement 1 July 2017 About this Supplement The information in this Supplement forms part of the Accumulation Basic Product Disclosure Statement (PDS)
More informationAccumulation Advantage Maritime Super Division Insurance Supplement
Accumulation Advantage Maritime Super Division Insurance Supplement 1 July 2017 About this Supplement The information in this Supplement forms part of the Accumulation Advantage Product Disclosure Statement
More informationPlum Super BHP Billiton Superannuation Fund (Plan) Spouse Division Insurance Guide
Plum Super BHP Billiton Superannuation Fund (Plan) Spouse Division Insurance Guide Preparation date 1 July 2016 Issued by The Trustee NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL 236465 The
More informationSuper Guide. Accumulation section 30 September United Technologies Corporation Retirement Plan
United Technologies Corporation Retirement Plan Super Guide Accumulation section 30 September 2017 Inside How super works 2 Benefits of investing with the UTC Retirement Plan 4 Fees and other costs 6 How
More informationPlum Super BHP Billiton Superannuation Fund (Plan) Defined Contribution (Employee) Division Insurance Guide
Plum Super BHP Billiton Superannuation Fund (Plan) Defined Contribution (Employee) Division Insurance Guide Preparation date 1 July 2016 Issued by The Trustee NULIS Nominees (Australia) Limited ABN 80
More informationHOW SUPER WORKS & INSURANCE FOR SPOUSE MEMBERS
HOW SUPER WORKS & INSURANCE FOR SPOUSE MEMBERS 31 AUGUST 2018 CONTENTS Super for Spouse members 1 Your contribution choices 3 Insurance for Spouse members 5 Insurance risks 6 Insurance restrictions and
More informationPERSONAL PRODUCT INSURANCE GUIDE
PERSONAL PRODUCT INSURANCE GUIDE Prepared: 1 June 2018 The issuer and Trustee of The Executive Superannuation Fund (ABN: 60 998 717 367, RSE Registration R1001419, Unique Superannuation Identifier ( USI
More informationInsurance SUPER FACTSHEET. 1 May 2018
1 May 2018 The information in this document forms part of the Australian Catholic Superannuation and Retirement Fund Superannuation Plan Product Disclosure Statement dated 1 May 2018. Insurance Contents
More informationInsurance Guide. Insured Benefits for 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 Employed Members Issued 1 July 2015 by NESS Super Pty Ltd ABN 28 003 156 812 RSE Licence No L0000161 as trustee of the
More informationVoluntary Cover Insurance Guide Issued 1 October 2018
Voluntary Cover Insurance Guide Issued 1 October 2018 About this document This Voluntary Cover Insurance Guide contains detailed information about Voluntary Cover available in Qantas Super. The Voluntary
More informationANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES MLC LIMITED VISY INDUSTRIES SUPERANNUATION PLAN
ANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES MLC LIMITED VISY INDUSTRIES SUPERANNUATION PLAN INSURANCE GUIDE ISSUED 17 MARCH 2018 DEATH AND TOTAL AND PERMANENT DISABLEMENT COVER INCOME PROTECTION
More informationMore comprehensive insurance cover 6 May 2016
More comprehensive insurance cover 6 May 2016! Booklet 2 Additional information This booklet provides important information about Mercy Super s (the Fund s) insurance benefits from 1 July 2016. It is in
More informationDeath and TPD insurance changes from 2 March 2015
ANZ Australian Staff Superannuation Scheme Death and TPD insurance changes from 2 March 2015 JANUARY 2015 One of the valuable features of the Scheme is the flexible death and Total and Permanent Disablement
More informationANZ Smart Choice Super
ANZ Smart Choice Super MetLife Insurance Limited Legg Mason Superannuation Plan INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015 Death and Total and Permanent Disablement Cover ANZ Smart Choice
More informationThe key insurance changes effective from 17 March 2018 are also explained in Super Insights (item 21).
Reference Guide INSURANCE CHANGES AUGUST 2018 ABOUT THIS REFERENCE GUIDE The attached Reference Guide details changes to the insurance arrangements provided by OnePath Life Limited (OPL) through ANZ Smart
More informationFlexible Lifetime Super
Issued ₃₀ September ₂₀₁₇ 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)
More informationTABLE OF CONTENTS WHY INSURANCE ALL ABOUT BUSSQ INSURANCE. Types of insurance cover. Transferring your cover UNITISED INSURANCE COVER
IMPORTANT INFORMATION This handbook describes the main features, benefits and conditions of BUSSQ s insurance products. It forms part of the Product Disclosure Statements (PDS s) for BUSSQ MySuper and
More informationwe make it easy for you
Insurance Guide PDS Supplement we make it easy for you Dated 2 December 2013 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 informationChildCare Division. Contents. Insurance Guide. Preparation Date: 01/01/2015
ChildCare Division Insurance Guide Preparation Date: 01/01/2015 Trustee and Issuer: The trustee and issuer of the Emplus Superannuation Fund (ABN 18 838 658 991 Fund Registration Number R1067880) is: Equity
More informationSunsuper for life Insurance guide
Sunsuper for life Insurance guide for former Kinetic Super members Preparation date: 20 February 2018 Issue date: 12 March 2018 The information in this document forms part of the Sunsuper for life Product
More informationAMIST Super PDS Issued: 3 March Insurance Guide. Employer Sponsored Division. AMIST Super Hotline.
AMIST Super PDS Issued: 3 March 2018 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
More informationCrescent Wealth Superannuation Fund
Insurance Booklet Crescent Wealth Superannuation Fund Dated: 1 March 2018 Issuer: Diversa Trustees Limited ABN 49 006 421 638 AFSL 235153 RSE L0000635 ABN of the Fund: 71 302 958 449 Fund registration
More informationPROMINA GROUP LIFE POLICY DOCUMENT (for former members of Promina Corporate Superannuation Fund)
PROMINA GROUP LIFE POLICY DOCUMENT (for former members of Promina Corporate Superannuation Fund) CONTENTS Policy Details... 3 Part 1 - Introduction...4 1.1 Policy interpretation... 4 1.2 World-wide cover...
More informationCorporate Insurance Guide Link IP
Corporate Insurance Guide Link IP 30 MARCH 2019 Issued by CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725 MySuper authorisation 98172275725867 The information
More informationPlum Super National Australia Bank Group Superannuation Fund A (Plan)
Plum Super National Australia Bank Group Superannuation Fund A (Plan) Insurance Guide Preparation date 30 September 2017 Issued by the Trustee NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL
More informationANZ Corporate Super Insurance Guide. ING Life Limited. Product Disclosure Statement 1 October 2005
ANZ Corporate Super Insurance Guide ING Life Limited This Insurance Guide forms part of the ANZ Corporate Super Product Disclosure Statement (PDS). The Employer PDS is comprised of: > Employer Book > Member
More informationANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES HANNOVER LIFE RE OF AUSTRALASIA LTD STIHL PTY LTD SUPERANNUATION PLAN
ANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES HANNOVER LIFE RE OF AUSTRALASIA LTD STIHL PTY LTD SUPERANNUATION PLAN INSURANCE GUIDE ISSUED 17 MARCH 2018 DEATH AND TOTAL AND PERMANENT DISABLEMENT
More informationInsurance Guide. Insured Benefits for Spouse Members. NESS Super... we ve got you covered. 1 July 2016
Insurance Guide 1 July 2016 NESS Super... we ve got you covered Insured Benefits for Spouse Members Issued 1 July 2016 by NESS Super Pty Ltd ABN 28 003 156 812 RSE Licence No L0000161 as trustee of the
More informationMember Booklet Product Disclosure Statement
mysuper.watsonwyatt.com/wwa Australia February 2008 Watson Wyatt Superannuation Fund Category A Member Booklet Product Disclosure Statement For defined benefit members who joined the Fund prior to 1 March
More informationInsurance Guide. Insured Benefits for Self-Employed Members. NESS Super... we ve got you covered. 1 July 2017
Insurance Guide 1 July 2017 NESS Super... we ve got you covered Insured Benefits for Self-Employed Members Issued 1 July 2017 by NESS Super Pty Ltd ABN 28 003 156 812 RSE Licence No L0000161 as trustee
More informationInsurance Guide. Employer Sponsored Division. Issued: 18 June 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 informationKPMG Staff Superannuation Plan Insurance Guide
KPMG Staff Superannuation Plan Insurance Guide Prepared: 14 April 2018 The issuer and Trustee of The Executive Superannuation Fund (ABN: 60 998 717 367, RSE Registration No R1001419) is Equity Trustees
More informationKPMG Superannuation Services Pty Limited ABN: Australian Financial Services Licence No
KPMG Superannuation Services Pty Limited ABN: 90 094 584 755 Australian Financial Services Licence No. 241366 Telephone: +61 2 9335 7000 10 Shelley Street Facsimile: +61 2 9335 7001 Sydney NSW 2000 DX:
More informationPERPETUAL WEALTHFOCUS SUPER PLAN
PERPETUAL WEALTHFOCUS SUPER PLAN Insurance Book INSURANCE BOOK DATED 1 JULY 2018 Issued by Perpetual Superannuation Limited ABN 84 008 416 831 AFSL 225246 RSE L0003315 IMPORTANT NOTES This Insurance Book
More informationLIFE, DISABILITY AND INCOME PROTECTION
This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 1 July 2014 LIFE, DISABILITY AND INCOME PROTECTION FACT SHEET 6 1 JULY 2014 It s vital that you re prepared for
More informationSuper Guide. Accumulation section 12 November United Technologies Corporation Retirement Plan
United Technologies Corporation Retirement Plan Super Guide Accumulation section 12 November 2018 Inside How super works 3 Benefits of investing with the UTC Retirement Plan 5 Fees and other costs 7 How
More informationPlum Super Plum Personal Plan Insurance Guide (eligible family members)
Plum Super Plum Personal Plan Insurance Guide (eligible family members) Preparation date 30 September 2017 Issued by the Trustee NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL 236465 The Insurer
More informationClearView LifeSolutions
ClearView LifeSolutions Product Disclosure Statement and Policy Document Product Disclosure Statement and Policy Document Issue 2 / 28 December 2015 ClearView LifeSolutions issued by ClearView Life Assurance
More informationVision Super Saver 8. Insurance in your super additional guide
Vision Super Saver 8. Insurance in your super additional guide This statement was prepared on 28 September 2017. The information in this document forms part of the Product Disclosure Statement of Vision
More informationwe make it easy for you
Insurance Guide PDS Supplement we make it easy for you Dated 30 September 2017 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, Fees and Costs Guide
30 September 2017 iq Super General by Russell Investments Insurance, Fees and Costs Guide JUMP TO 1. Insurance in your superannuation 2 2. Types of insurance cover within iq Super 3 3. Important information
More informationInsurance for Spouse and Rollover members
AUSTRALIA POST SUPER SCHEME Fact Sheet Australia Post Superannuation Scheme ABN 42 045 077 895 July 2017 Insurance for Spouse and Rollover members Death and disablement are confronting subjects but we
More informationASC Superannuation Plan Insurance Guide
Prepared: 27 June 2014 ASC Superannuation Plan Insurance Guide Dated: 14 April 2018 The issuer and Trustee of ASC Superannuation Plan, a plan in the Employer Sponsored Members Product of The Executive
More informationREST Corporate Insurance Guide
REST Corporate Insurance Guide Effective 30 September 2017 The information in this document forms part of the REST Corporate Product Disclosure Statement (PDS), effective 30 September 2017. You should
More informationANZ Super Advantage. 9 December 2006
ANZ Super Advantage Supplementary Product Disclosure Statement Insurance Guide Group Salary Continuance (GSC) Cover for Retained Members and Personal Members The Employer PDS is comprised of: The Member
More informationAMOU Staff Seafarers Division Insurance Supplement
AMOU Staff Seafarers Division Insurance Supplement 1 July 2017 About this Supplement The information in this Supplement forms part of the AMOU Staff Product Disclosure Statement (PDS) dated 1 November
More informationAsgard Employee Super Account
Asgard Employee Super Account Part 3 Insurance Additional Information Booklet Part 3 Insurance Issued: 30 September 2017 About this Additional Information Booklet This document is Part 3 of the Additional
More informationANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES METLIFE INSURANCE LIMITED STATE STREET SUPERANNUATION PLAN
ANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES METLIFE INSURANCE LIMITED STATE STREET SUPERANNUATION PLAN INSURANCE GUIDE ISSUED 17 MARCH 2018 DEATH AND TOTAL AND PERMANENT DISABLEMENT COVER
More informationAIA Group Risk Super Plan
AIA Group Risk Super Plan Member Product Disclosure Statement 8 May 2017 Featuring: Death cover (including Terminal Illness cover) Total and Permanent Disablement (TPD) cover Trustee: Diversa Trustees
More informationBendigo SmartOptions Super
Bendigo SmartOptions Super Insurance Guide Dated 1 July 2017 1 Bendigo SmartOptions Super 2 Bendigo SmartOptions Super This page has been left intentionally blank Important information The Bendigo SmartOptions
More informationInformation Booklet. Contents. for Division 3 members DIVISION. Issued 17 March ABOUT QANTAS SUPER DIVISION Membership...
DIVISION 3 Information Booklet for Division 3 members Issued 17 March 2015 Contents 1. ABOUT QANTAS SUPER DIVISION 3...3 Membership...3 Benefits of being a member in Division 3...4 2. YOUR SUPER BENEFIT...5
More informationensure insure and Insurance options to protect you and your family 28 September 2017
Insurance options to protect you and your family 28 September 2017 The information in this document forms part of the following product disclosure statements: HESTA product disclosure statement issued
More informationPRINT. MEDIA. ENTERTAINMENT. ARTS. OURCOMMUNITY GUIDE
PRINT. MEDIA. ENTERTAINMENT. ARTS. OURCOMMUNITY GUIDE Issued 18 July 2018 CONTENTS 1. Protection when you need it most 3 Three types of cover available 3 Which type of member are you? 3 2. Death only and
More informationInsurance Guide. 1 March Super. australianethical super
Insurance Guide 1 March 2018 - Super About this material This document provides more detailed information than that provided in the Australian Ethical Super Product Disclosure Statement (PDS). The material
More informationPriority Protection Supplementary Product Disclosure Statement
Priority Protection Supplementary Product Disclosure Statement 1 July 2014 Life s better with the right partner This Priority Protection Supplementary Product Disclosure Statement ( SPDS ) supplements
More informationREST Super Insurance Guide
REST Super Insurance Guide Effective 1 December 2017 The information in this document forms part of the REST Super Product Disclosure Statement (PDS) effective 1 December 2017. You should read the PDS
More informationMLC Group Life. Policy document. Suncorp Master Trust. MLC Group Insurance
MLC Group Insurance Suncorp Master Trust MLC Group Life Policy document Original Issue Date: 1 April 2010 MLC Limited Registered Office Telephone: 1800 458 038 Version 2: Updated ABN: 90 000 000 402 105-153
More informationEISS Super. Insurance in your super 29 September Insurance overview. We offer insurance to suit you
EISS Super Insurance in your super 29 September 2017 The information in this document forms part of the EISS Super PDS dated 29 September 2017. Insurance overview EISS Super provides you with flexible
More informationSUPERANNUATION. Corporate Super OnePath Life Limited. Group Salary Continuance Cover. Insurance Guide
SUPERANNUATION Corporate Super OnePath Life Limited Group Salary Continuance Cover Insurance Guide 27 February 2012 Corporate Super Entity details in this Insurance Guide Name of legal entity Registered
More informationAn insurance company who cares
An insurance company who cares Ozicare Life Insurance and Ozicare Accidental Death Insurance Product Disclosure Statement This document prepared on 24 January 2017 Product Issuer: Hannover Life Re of Australasia
More informationPRODUCT DISCLOSURE STATEMENT
PRODUCT DISCLOSURE STATEMENT Munich Holdings of Australasia Pty Ltd Superannuation Scheme Inside About the Munich Holdings of Australasia Pty Ltd Superannuation Scheme (the Scheme) How super works 2 Benefits
More informationInsurance Cover (Salary Continuance)
Reference Guide Insurance Cover (Salary Continuance) Many Australians insure their homes and cars but don t adequately insure some of their most important assets their life and ability to earn an income.
More informationDeath and TPD insurance changes from 2 March 2015
ANZ Australian Staff Superannuation Scheme and TPD insurance changes from 2 March 2015 JANUARY 2015 Section C One of the valuable features of the Scheme is the flexible death and Total and Permanent Disablement
More informationMacquarie Life Super Protector. Macquarie Life
Macquarie Life Super Protector Macquarie Life Product Disclosure Statement issued by: Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 Dated 23 April 2010 Contents 01 The importance of insurance
More informationANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES METLIFE INSURANCE LIMITED MICROSOFT AFFINITY SUPERANNUATION PLAN
ANZ SMART CHOICE SUPER FOR EMPLOYERS AND THEIR EMPLOYEES METLIFE INSURANCE LIMITED MICROSOFT AFFINITY SUPERANNUATION PLAN INSURANCE GUIDE ISSUED 17 MARCH 2018 DEATH AND TOTAL AND PERMANENT DISABLEMENT
More informationSignatureSuper. Insurance Guide Fact Sheet AMP Life Association and Personal. Issued ₃₀ September ₂₀₁₇
Issued ₃₀ September ₂₀₁₇ SignatureSuper Insurance Guide Fact Sheet AMP Life Association and Personal AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in
More informationSunsuper for life Business Insurance guide. Preparation date: 7 September 2017 Issue date: 30 September 2017
Sunsuper for life Business Insurance guide Preparation date: 7 September 2017 Issue date: 30 September 2017 pa Contents 1 Why have insurance? 2 Benefits of getting insurance through Sunsuper 2 Why should
More informationInformation Booklet. Contents. for Division 2 members DIVISION. Issued 17 March ABOUT QANTAS SUPER DIVISION Membership...
DIVISION 2 Information Booklet for Division 2 members Issued 17 March 2015 Contents 1. ABOUT QANTAS SUPER DIVISION 2...3 Membership...3 Benefits of being a member in Division 2...4 2. YOUR SUPER BENEFIT...5
More informationAtwood Oceanics Australia Superannuation Plan Insurance Guide
Atwood Oceanics Australia Superannuation Plan Insurance Guide Prepared: 14 April 2018 The issuer and Trustee of The Executive Superannuation Fund (ABN: 60 998 717 367, RSE Registration No R1001419) is
More informationInsurance Guide. 12 November 2018
Future Super 12 November 2018 Future Super 12 November 2018 The Information in this forms part of the Product Disclosure Statement (PDS) and should be read in conjunction with the Additional Information
More informationInsurance Cover (Death and TPD)
Reference Guide Insurance Cover (Death and TPD) Many Australians insure their homes and cars but don t adequately insure some of their most important assets their life and ability to earn an income. Insurance
More informationVision Super Saver. Product Disclosure Statement. Contents. This statement was prepared on 12 February 2018
Vision Super Saver Product Disclosure Statement This statement was prepared on 12 February 2018 Contents 1 2 3 4 5 6 7 8 9 bout Vision Super Saver A How super works Benefits of investing with Vision Super
More informationProtection Plans for Mortgage Customers
Westpac Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a Combined
More informationMoney when it matters most
INSURANCE IN YOUR SUPER Money when it matters most Effective 30 March 2019 Contents Page Why you need cover 5 Cover you get when you join 7 Basic cover 8 When cover starts 8 Are you under 25? 11 Changing
More informationprotecting you and your family
protecting you and your family Insurance guide Effective 1 February 2018 Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the MyLifeMyMoney Superannuation Fund ABN 50 237 896 957;
More informationMLC MasterKey Personal Super
MLC MasterKey Personal Super Insurance Guide Category D members This Insurance Guide is for MLC MasterKey Personal Super members who were transferred into the MLC Super Fund from The Universal Super Scheme
More informationCore Super MySuper INSURANCE & OTHER IMPORTANT INFORMATION 1 JANUARY Contents. Your insurance cover... 2
Core Super MySuper INSURANCE & OTHER IMPORTANT INFORMATION 1 JANUARY 2018 Contents Your insurance cover... 2 Insurance cover explained Life and TPD cover... 3 PayGuard... 9 Definitions... 13 Keep in touch...
More informationContents. Contact us.
This document is for permanent employees of BOC Limited. Retained and Spouse members should refer to their version of the Other information document. BOCSUPER Contents 3 How super works 7 Your benefits
More information