SUPERANNUATION. Introducing Integra Super
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- Julianna Reeves
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1 SUPERANNUATION Introducing Integra Super
2 OnePath strength and commitment to you Helping shape and protect your future OnePath is one of Australia s leading providers of wealth, insurance and advice solutions. We have been helping Australians grow and protect their wealth for over 130 years, previously as Mercantile Mutual and ING Australia. Now as a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ANZ), we operate as ANZ s Australian specialist wealth and protection business. ANZ is a leading global and local bank with operations in more than 32 countries including Australia, New Zealand, Asia, the Pacific, the Middle East, Europe and America. ANZ provides products and services to more than 8 million retail customers worldwide and employs over 48,000 people. OnePath has a comprehensive range of wealth and insurance products available through financial advisers and direct to customers. Our philosophy is simple, to make it easy for our customers to find the solution that best suits their needs. We value and appreciate our customers, our staff and the broader communities in which we operate. We are committed to acting with the highest standards and to meeting our corporate responsibilities. We also encourage and support staff involvement in volunteering and charitable activities supporting the wider community. We re highly rated Our products are continually recognised for their excellence by the leading independent industry research houses and consultants. These include The Heron Partnership s Heron 5 Quality Star Rating and Top 10 Insurance Features 2012, and we also hold a Selecting Super Quality Rating of AAA For more information visit heronpartners.com.au and selectingsuper.com.au
3 Integra Super Integra Super is OnePath s complete employer super solution for small to medium sized businesses that s easy to use, offers great value and leading member services and benefits. Making super easier for you As a leading super and insurance provider, our expertise lies in taking the time to understand your needs and tailoring a solution for you and your employees. We ve designed Integra Super to have everything you need to manage your employer super obligations easily and cost effectively with: With Integra Super, you can be confident you have the right super solution for your business backed by the support and service you need. So you can get on with running your business, knowing your employees super is in expert hands. extensive investment choice very competitive pricing leading member services and benefits comprehensive insurance solutions competitive returns service and support for your business and employees easy management and processes. Integra Super provides you with the right super solution, letting you get on with what s really important running your business 1
4 Benefits available to you and your employees Integra Super offers an extensive range of features to suit your needs. Investment choice and flexibility Today s investment landscape has a wide range of investment funds to choose from which can make selecting the right investments challenging. When setting up a plan, you need the confidence that your super provider will give you the best possible chance of meeting your members long-term investment goals. At OnePath, we provide that confidence by taking an active role in selecting and monitoring expert managers for our clients. We partner with specialist investment managers for specific asset classes who we believe will drive greater value for our investors. OnePath offers you the flexibility of determining a default investment strategy for your plan. The default strategy should meet the overall needs of your plan. You can choose funds that cover a wide range of investment styles and asset classes including single-manager, multi-manager, diversified and domestic investment funds. Your employees can also choose from over 50 investment funds across a variety of managers, styles and sectors, all managed by highly regarded investment managers. OptiMix Balanced If you don t choose a default investment strategy, your employees contributions will be invested in the Trustee s default strategy, OptiMix Balanced. Employees can choose to stay with the default investment strategy or nominate their personal investment strategy at any time. For more information about the investment choices and investment managers, refer to the Investment Choice Guide at onepath.com.au/employer Very competitive pricing We re able to leverage our size and scale to provide exceptional value and group-based pricing for our members. Family member discounts Employees can introduce members of their family to Integra Super. By joining as a family member, they join Integra Super Personal, where they may benefit from all that Integra Super has to offer, including access to insurance cover, member services and any Administration Fee discounts applicable to the plan. 2
5 Comprehensive insurance OnePath has extensive expertise and experience in wealth protection solutions, insuring thousands of employees in some of Australia s largest companies. You can choose from OnePath Life s award winning range of comprehensive and competitively priced insurance options tailored to meet your employees needs, including: Death only (including Terminal Illness) which provides a lump sum upon death or diagnosis of terminal illness Death (including Terminal Illness) and Total and Permanent Disablement (TPD) which provides a lump sum upon death or becoming totally and permanently disabled Group Salary Continuance (GSC) with the flexibility of either a two year or to age 65 benefit period that provides a monthly benefit in the event of Total Disability or Partial Disability. Common insurance designs include: fixed amounts of cover, or a formula that is a percentage of salary times years of future service, or If you do not choose an insurance option for your plan, default insurance cover will automatically apply to your employees. The default insurance cover is two units of Standard Death and TPD on a fixed premium basis. Insurance premiums are generally deducted from your employees superannuation accounts, which would be tax deductible for contributions tax purposes. Automatic Acceptance Level (AAL) Your employees may be eligible for an Automatic Acceptance Level, a specified amount of insurance cover automatically available to eligible plan members without showing evidence of good health. The AAL will depend on the size of your employer plan. insurance cover based on employee s age and a fixed premium. 3
6 Leading employer support Ensuring a smooth transition and ongoing support for your super plan. Dedicated service and support Our experienced Transition Management team will manage the smooth transition of your super to ensure it s set up properly from the start. The transition process follows a detailed methodology which is tailored to the specific needs of your plan and involves meeting various legal requirements, establishing the plan and communicating with members, including: a dedicated Transition Service Consultant to manage the end-to-end transition internal and external stakeholder negotiation ensuring prompt delivery of all required information and services close and regular communications with you and your key staff representatives development of solutions to overcome any transition issues or complexities automatic registration and training on EasyTransact OnePath s online employer super solution a free service to help your employees combine other super accounts into Integra Super, quickly and easily. Simply select the rollover assistance section of the Employer Application Form when you join. Relationship management for larger plans Relationship managers will assist with transitioning larger plans, including policy committee support, facilitating and presenting member education seminars and overarching plan management. Dedicated plan management and Customer Service Consultants A dedicated team of Customer Service Consultants will be on hand to provide you with reliable administration support. The team is responsible for the day-to-day administration and servicing of your plan. Simply phone the team on weekdays between 8.30am and 6.30pm (Sydney time) or customer@onepath.com.au Support when establishing a policy committee We provide the support materials for you and your employees to establish a policy committee. The role of the committee is to ensure we are aware of any concerns you and your employees may have. 4
7 Managing your account A comprehensive range of online services to help you manage your employer plan. EasyTransact our online employer super solution with Clearing House service As a new employer you ll be automatically registered for EasyTransact, our time saving online super management and servicing system. EasyTransact enables you to quickly and conveniently complete many functions such as: establish an automated direct debit to manage superannuation payments on your behalf to simplify and reduce your administration update your employees details, including tax file numbers (to ensure your employees are not charged extra tax) produce Super Guarantee contribution reports which provide an audit trail showing you ve met your legislative obligations. The Clearing House service is free of charge if you nominate your Integra Super plan as your default super fund and if at least 50% of your employees registered on EasyTransact have their super contributions paid to Integra Super. Your employees will also receive a discounted Member Fee if you re a regular user of EasyTransact. EasyTransact uses the highest levels of encryption to provide security for online transactions. There s an easily downloadable instruction guide and phone-based support from the EasyTransact Support Team. Other payment options We also provide you with a number of options to make managing your plan easy. These include, direct credit, direct debit, BPAY and cheque. The EasyTransact Helpdesk has a dedicated team at your service. The first time you make a contribution they ll assist you with any set-up or training requirements you might have. They ll also provide you with the most appropriate file upload template, depending on your specific needs. Clearing House service Our Clearing House service enables you to submit all your employees contributions to your Integra Super plan and other funds in the one electronic transfer. You can send TFNs for your choice of fund employees securely online, simplifying your fund administration. Registered to BPAY Pty Ltd ABN The EasyTransact Helpdesk has a dedicated phone based support team at your service. 5
8 Employer Centre Helping you to understand your responsibilities as an employer and keeping you informed. Our simple and easy to use Employer Centre is a dedicated area within our website which assists you to better understand your responsibilities as an employer and manage your superannuation with: access to a range of publications and forms the latest employer super news and material which explains your superannuation obligations including choice of fund information, policy committee support and legislative updates more information about OnePath s employer super solutions, services and support. For the support tools to help get you started and easily manage your super visit onepath.com.au/employer 6
9 Innovative member services Helping your employees manage and grow their super. Member education Your employees will have access to an online suite of educative member services to help grow and manage their superannuation. In the Member Super Centre, members can: view their super account balance and transactions at any time, update their details and switch investment strategies use our interactive online financial education tools and calculators to explain ways to grow their super and plan for a comfortable retirement understand investment strategies and insurance through their super check investment performance and product details pre-populate online forms automatically with their personal details. The Super Learning Centre forms part of the Member Super Centre at onepath.com.au/member Consolidation service Our free consolidation service can help employees who have chosen to combine their super accounts by assisting them to complete their forms, certify their identification and explain how they can make contributions. Insurance can easily be transferred provided members can provide proof of previous cover. Keeping OnePath when members change jobs When you advise OnePath that an employee has left your service (for any reason other than retirement, death, disablement or a terminal medical condition) they will be automatically transferred to Integra Super Personal. Members retain many of the features they enjoyed as members of your plan, such as group based insurance premium rates. We re with members on their journey to retirement and support them to help achieve their retirement goals. 7
10 InvestorBenefits Member banking, health, lifestyle and entertainment benefits package. With InvestorBenefits your employees can enjoy discounts and special offers on a range of banking and financial products through ANZ, as well as health insurance, travel, adventure and leisure experiences, car hire and a variety of retail products. Partners and offers are updated regularly. Redeeming an offer is as simple as downloading a voucher or quoting a unique number at the time of purchase. For more information visit the Member Super Centre at onepath.com.au/member 8
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12 For more information To find out more on Integra Super contact our team of dedicated professionals today. Phone weekdays between 8.30am and 6.30pm (Sydney time) Fax Website onepath.com.au/employer Address Integra Super OnePath Life Limited GPO Box 5306 Sydney NSW Kent Street Sydney NSW 2000 OnePath Custodians Pty Limited ABN AFSL RSE L Integra Super is a product offered by the OnePath MasterFund (ABN , RSE R , SFN ) (Fund). When an employer joins Integra Super, their employees become members of the Fund. OnePath Custodians Pty Limited (ABN , AFSL , RSE L ) is the trustee and issuer of the Fund and the issuer of this document. The issuer is a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ABN ) (ANZ). ANZ is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). Although the issuer is owned by ANZ it is not a Bank. Except as described in the Product Disclosure Statement (PDS), an investment with the issuer is not a deposit or other liability of ANZ or its related group companies and none of them stands behind or guarantees the issuer or the capital or performance of your investment. Your investment is subject to investment risk, including possible repayment delays and loss of income and principal invested. This information is current as at February 2012 but may be subject to change. Updated information will be available free of charge by contacting Customer Services. The information is of a general nature and does not take into account your personal needs, financial circumstances or objectives. Before acting on this information, you should consider the appropriateness of the information, having regard to your needs, financial circumstances and objectives. You should read the PDS available at onepath.com.au and consider whether the product is right for you before making a decision to acquire or continue to hold the product. L2200/0212 onepath.com.au
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