ENERGY SUPER INSURANCE GUIDE PREPARED AND ISSUED 1 JULY IBR Energy Super Insurance Guide. IBR Energy Super Insurance Guide

Transcription

1 1 ENERGY SUPER INSURANCE GUIDE PREPARED AND ISSUED 1 JULY 2018

2 ENERGY SUPER INSURANCE GUIDE CONTENTS Insurance overview 2 Death & Total and Permanent Disablement (TPD) cover 2 Income Protection Cover 13 Other insurance information 20 Definitions 21 ABOUT THIS ENERGY SUPER INSURANCE GUIDE The information in this document forms part of the Energy Super Member Guide Product Disclosure Statement (PDS) issued on 1 July 2018 by Electricity Supply Industry Superannuation (Qld) Ltd (ABN AFSL RSE R ) (the Trustee) as the Trustee for Energy Super (ABN ) (the Fund). This Energy Super Insurance Guide describes the features and benefits of the insurance cover provided to new Defined Contribution and Public Offer members whose employers do not have special insurance arrangements with Energy Super. It will help you decide whether the available cover will meet your needs and might also help you compare our cover with other products you are considering. This Energy Super Insurance Guide is not relevant to members joining the Fund under a corporate agreement arranged by their employer or who are members of the Defined Benefit scheme. This Energy Super Insurance Guide has been prepared for general information only. It does not take into account your financial objectives, financial situation or needs. Any statements of law or proposals are based on our interpretation of the law or proposals as at the date this Energy Super Insurance Guide was issued. If you require specific advice, we recommend that you seek qualified professional advice. Energy Super members have access to professional financial advice through ESI Financial Services Pty Ltd (ESI FS) (ABN , AFSL ), a wholly owned subsidiary of Energy Super. While all due care and diligence has been taken in the preparation of this document, the Trustee reserves the right to correct errors or omissions. If there are any inconsistencies between the terms of the Energy Super Trust Deed or the Insurance Policy and this Energy Super Insurance Guide, the terms of the Trust Deed and Insurance Policy prevail. To obtain a copy of the Energy Super Trust Deed or Insurance Policy, please call us on The information in this Energy Super Insurance Guide is up-to-date at the date it was issued. Some of the information in this document can change from time-to-time and may not be up-to-date at the time you receive it. If a change is not materially adverse, we may not update this Energy Super Insurance Guide. Updated and new information will be published on our website. If you would like more information about Energy Super please contact us. We will provide you with the information you reasonably require to make an informed assessment of the management, financial condition and investment performance of Energy Super. If you would like a copy of the Energy Super Member Guide or this document, please contact Energy Super on This information will be provided at no cost. If you have any questions about being a member of Energy Super, you can contact us from 8.00am to 6.00pm Monday to Friday (excluding National holidays). Ratings are provided by SuperRatings Pty Ltd (ABN , AFSL ), Rainmaker Information Pty Ltd (ABN ) and CANSTAR Pty Ltd (ABN , Authorised Representative No ). Ratings are only one factor to be considered when making investment decisions. Refer to energysuper.com.au/ratings for information about the rating and the rating scale. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria. The Canstar 5 Star Rating was awarded on 20 March 2018 to the Energy Super Fund. Go to for details of Canstar s rating criteria.

3 2 INSURANCE OVERVIEW Energy Super s insurance arrangements are a convenient low cost solution for your personal insurance needs. Having the right level of personal insurance cover is an important part of your overall superannuation strategy. It is essential that you periodically review how much cover you have to ensure it is enough to meet your needs. Need help with your Energy Super insurance cover? Our single issue advice service can give you personal advice over the phone at no additional cost to you. Simply call us on or visit our website at energysuper.com.au to schedule an appointment with an adviser. Types of insurance cover available through Energy Super are: Death & Total and Permanent Disablement (TPD); DEATH & TOTAL AND PERMANENT DISABLEMENT COVER Death & TPD cover is a valuable benefit should you die or become totally and permanently disabled through injury or Illness. With Energy Super s Death & TPD insurance you have the flexibility to choose the cover that best suits your needs. You can choose units of insurance cover or a fixed-dollar amount of insurance cover. Furthermore, if you are transferring your super from another fund where you had Death and/or TPD cover, you may even be able to transfer the same level of insurance cover to us without having to provide evidence of your good health. See page 7 for details. The insurance cover you are initially eligible to receive automatically is determined by how you join Energy Super, either through an Energy Super Employer or by applying directly to the Fund (as a Public Offer Member ). Death Only; and Income Protection (IP).

4 ENERGY SUPER INSURANCE GUIDE DEATH & TOTAL AND PERMANENT DISABLEMENT COVER JOINING ENERGY SUPER (TWO WAYS TO JOIN) Insurance features Joining through an Energy Super Employer Joining as a Public Offer Member Automatic Cover Automatic Acceptance Limit (AAL) if you re eligible for insurance under AAL conditions you are not required to provide evidence of your good health. Optional/Additional Cover Paying for insurance cover Transferring cover If eligible, you will receive the default age-based number of units with an automatic life-stage increases feature. See page 4 for details. AAL means you can get the Automatic Cover (explained above) for Death & TPD. If you join Energy Super within 120 days of joining your employer, you will receive automatic Death & TPD cover with an automatic life-stage increases feature, subject to being Actively At Work. If you are less than age 65 when joining your employer and Energy Super, you may apply for more than the default cover without having to provide evidence of your good health (up to 10 units in total) when you apply within 60 days of joining both your Energy Super employer and the Fund. See the Member Application Form to apply. You can apply for additional insurance cover, up to the maximum limits of $10 million for Death and $3 million for TPD, by completing a Change of Insurance Form. If you choose fixed-dollar cover, the fixeddollar cover will replace any units of Death & TPD cover you may have. To apply for cover if you are not eligible under the AAL or want more cover, please complete a Change of Insurance Form. You may need to complete a Personal Statement and undergo medical tests in some circumstances. The cost of your Death & TPD insurance cover is deducted from your Energy Super account monthly. If you are rolling over your super from another fund, where you also have insurance arrangements, you may be able to transfer the same level of cover to Energy Super under takeover terms. For more information see Transferring your cover from another super fund on page 9. If eligible, you can apply for Automatic Cover, however Pre-existing Condition exclusions will apply. Refer to the Exclusions for Public Offer members section on page 6 for more information. You can choose to apply for Death & TPD insurance cover when you join the Fund. Cover is provided subject to eligibility requirements. Your insurance cover is optional (you do not have to take out cover). You can apply for insurance cover, up to the maximum limits of $10 million for Death and $3 million for TPD, by completing a Change of Insurance Form. If you choose fixed-dollar cover, the fixed-dollar cover will replace any units of Death & TPD cover you may have. To apply for cover if you are not eligible under the AAL or want more cover, please complete a Change of Insurance Form. You may need to complete a Personal Statement and undergo medical tests in some circumstances. The cost of your Death & TPD insurance cover is deducted from your Energy Super account monthly. When you join the Fund, we require you to either: make regular contributions into your Energy Super account; or open an Energy Super account with $1,000 or more. If you are rolling over your super from another fund, where you also have insurance arrangements, you may be able to transfer the same level of cover to Energy Super under takeover terms. For more information see Transferring your cover from another super fund on page 9.

5 4 UNIT-BASED COVER AGE NEXT BIRTHDAY UNITS OF COVER Features: insurance cover is based on multiples of units the benefit amount of each unit reduces with age the cost per unit remains the same. To age to to 34 3 Automatic Cover The life-stage increases feature is the default cover for members joining through an Energy Super Employer. Members joining by direct application to Energy Super can select the automatic life- stage increases feature when they apply for Death & TPD insurance cover. The life-stage increases feature will automatically increase your units of cover by 1 unit when you move from one age bracket to another. The cost of your insurance will also automatically increase in line with the number of units For example, if you select the life-stage increases feature only (i.e. you do not select any additional units of cover), your units of cover will automatically increase from two to three units when you turn 29 years of age (your age next birthday will be 30). 35 to to 70 5 This means that the amount of cover you have will automatically increase at a time when you are most likely to need it due to work, debts and family commitments. The maximum cover obtained under the life-stage increases feature is when your age next birthday is 35, i.e. your Death & TPD cover is equal to $332,000. Your total cover amount begins to reduce when your age next birthday is 40. This is demonstrated visually in the graph below. LIFE - STAGE INCREASES FEATURE $350,000 $300,000 $250,000 $200,000 TOTAL COVER ($) $150,000 $100,000 $50,000 $ AGE NEXT BIRTHDAY

6 ENERGY SUPER INSURANCE GUIDE DEATH & TOTAL AND PERMANENT DISABLEMENT COVER How to calculate your unit-based cover Your insurance cover = number of units purchased x amount of cover per unit for your age next birthday Gross amount of cover per unit AGE NEXT BIRTHDAY DEATH & TPD ($) DEATH ONLY ($) AGE NEXT BIRTHDAY DEATH & TPD ($) DEATH ONLY ($) AGE NEXT BIRTHDAY DEATH & TPD ($) Up to ,600 48, ,800 28, ,400 13, ,400 47, ,000 27, ,800 12, ,400 46, ,300 26, ,300 11, ,300 46, ,000 24, ,000 11, ,300 46, ,200 23, ,400 10, ,000 43, ,600 22, ,200 9, ,400 42, ,300 21, ,000 8, ,700 41, ,100 20, ,700 8, ,400 39, ,300 19, ,400 4, ,800 37, ,700 17, ,100 3, ,400 35, ,300 17, ,000 2, ,400 33, ,000 16, ,900 1, ,000 32, ,000 15, ,700 1, ,200 30, ,300 14,300 Please note: Cover levels are gross of tax (if applicable). See the How My Super Is Taxed Guide for information about tax on death benefits. DEATH ONLY ($) FIXED-DOLLAR COVER While unit-based cover is the default offered by Energy Super, you can also apply for fixed-dollar cover by completing a Change of Insurance Form. This form is available online at energysuper.com.au Features: insurance is based on a fixed-dollar amount of cover nominated by you the cost increases annually with your age the benefit amount remains the same fixed cover replaces any unit-based cover you may have. Your fixed-dollar cover for TPD will reduce proportionally from age 61 through to turning age 70, when cover stops. Your fixed-dollar cover for Death will not be affected by this and will not reduce. The age-based tapering that applies to fixed-cover for TPD is shown as a percentage of your insured amount in the following table: AGE NEXT BIRTHDAY 62 90% 63 80% 64 70% 65 60% 66 50% 67 40% % OF FIXED COVER 68 30% With fixed-dollar cover you choose the amount of Death & TPD insurance cover you require and the cost is calculated based on your age next birthday and your level of cover. The fixed-dollar cover table on page 5 discloses the annual cost of cover. How to calculate fixed-dollar cover If you select fixed-dollar cover, the dollar amount of Death Only or Death & TPD cover that you apply for will remain the same over time until you reach age % 70 10% ELIGIBILITY FOR COVER All members of Energy Super, under age 70, can apply for Death Only & TPD cover. However, the definition of TPD is applied differently depending on your date of Total and Permanent Disablement, your age, employment status and the number of hours you were working in the six month period prior to you becoming disabled (see Qualifying for a TPD benefit on page 9).

7 6 EXCLUSIONS For all cover or increases to cover (except Automatic Cover, automatic increases to cover, or guaranteed future insurability benefits) which commence on or after 1 July 2017, the following exclusions apply: no death benefit is payable where the death is due to suicide within the first 13 months after the commencement or reinstatement of cover; no part of an increase to a death benefit is payable where the death is due to suicide within the first 13 months after the commencement of the increased cover; no terminal illness benefit or TPD benefit is payable where the terminal illness or TPD respectively is due to any intentionally selfinflicted injury within the first 13 months after the commencement or reinstatement of cover; and no part of an increase to a terminal illness benefit or TPD benefit is payable where the terminal illness benefit or TPD benefit is due to self-inflicted injury within the first 13 months after the commencement of the increased cover. EXCLUSIONS FOR PUBLIC OFFER MEMBERS If you are a new Public Offer Member who applies for cover which commences on or after 30 September 2017, the following exclusions apply: No benefit will be payable for Death, TPD or Terminal Illness caused directly or indirectly by any Pre-Existing Condition that occurred five years prior to the date you commenced cover under the terms of the policy: a. where the Date of Claim is within the first 24 months after your commencement date; or b. where the Date of Claim is later than the first 24 months after your commencement date and you were not At Work due to a Pre-Existing Condition on the 2nd year anniversary of your commencement date; or c. at any time if prior to the most recent date you became insured under this policy, you were paid, or were entitled to be paid, a TPD or Terminal Illness benefit from the Insurer or any insurer or any superannuation fund in relation to that Pre-Existing Condition. Exclusion B will not apply when you have been At Work for at least one day between the 2nd year anniversary of your Commencement Date and the Date of Claim. No benefit will be payable for Death, TPD or Terminal Illness caused directly or indirectly by a Terminal Progressive Illness or a Neurodegenerative Illness which was diagnosed; or if you were aware of the diagnosis (made any time before your commencement date) and were receiving treatment relevant to that diagnosis. The above three exclusions do not apply if you transfer your insurance cover from another fund to Energy Super. If you are an insured Public Offer Member who subsequently becomes Employed with an Energy Super Employer, the Public Offer Pre -Existing Conditions will cease to apply to the cover you received as a Public Offer Member, provided that you are At Work on the date you commence employment with an Energy Super Employer. If you are not At Work on that date, your cover will be Limited Cover until the earlier of: The date you were in Active Employment for 30 consecutive days from the date your employment with an Energy Super Employer commences; or The date you were At Work for at least 1 day after the second year anniversary of the Member Commencement Date. If this date occurs prior to the date you commenced employment with an Energy Super Employer, your existing level of cover will not be subject to Limited cover. At this time, your cover will transfer to the employment category which applies to your Energy Super Employer. The amount of your cover will be equal to the amount of cover you held as a Public Offer Member, unless you elect to receive the default level of cover that applies to employment with your Energy Super Employer. You can elect to receive this default level of cover without providing evidence of your good health, but you must give notice in writing to the Fund within 120 days of commencing employment with your Energy Super Employer. If you make this election and you are not At Work on the date your employment commences, the amount of any increase in cover will be Limited Cover until you have been in Active Employment for 30 consecutive days from the date your employment commenced. Your cover cannot exceed the maximum benefit limit. MAXIMUM AMOUNT OF COVER You can apply for additional cover at any time (unit-based or fixed-dollar) up to the maximum benefit limits of $10 million for Death and $3 million for TPD. You should note, however, that you cannot have more TPD cover than Death cover. You also may be required to complete a Personal Statement and undergo other tests as required by the Insurer. Any insured benefit paid under a TPD claim will void any Death Cover. WHEN YOUR COVER STARTS If you: are joining Energy Super through an Energy Super Employer if you are an Australian Resident and under age 70 your Automatic Cover or cover up to the Automatic Acceptance Limit (AAL) starts on the first day of your employment, provided you are At Work on that day and join Energy Super within 120 days of joining your employer. If you join Energy Super within 120 days of joining your employer but are not At Work on your first day of employment, (see At Work on page 22), Limited Cover will apply (see Limited Cover on page 22). You will need to be At Work for 30 consecutive days before your full cover applies. If you do not join Energy Super within 120 days of joining your employer you do not receive Automatic Cover but you can apply for cover if you wish. Any optional or additional cover you take out, above the AAL, will commence on the day the Insurer accepts your application in writing. are joining Energy Super as a Public Offer member any optional cover you take out will commence on the day your application is accepted.

8 ENERGY SUPER INSURANCE GUIDE DEATH & TOTAL AND PERMANENT DISABLEMENT COVER Interim accident cover While your application for Optional/Additional Cover is being assessed, you will be provided with interim accident cover for the amount of additional cover you applied for, subject to a maximum amount of $1.5 million. Some conditions apply. Where interim accident cover applies, a benefit will only be payable where Total and Permanent Disablement or death is caused by an Accident (as opposed to Illness or other disability). For the definition of Accident see page 22. Interim accident cover starts from the date your signed and fully completed application for Optional/Additional Cover and Personal Statement is received by the Fund. Interim accident cover will expire on the earliest of the following: 90 days after the commencement of the interim accident cover; the date your application for insurance is accepted or declined; the date you cancel or withdraw your application for insurance; or the date you are no longer eligible for insurance cover with Energy Super. 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; or injury occurring prior to the date you became eligible for cover. THE COST OF COVER The cost of your Death & TPD insurance cover depends on the amount of cover you choose and whether it is unit-based or fixed-dollar cover. You may be eligible for a discounted rate for your insurance if your Occupation is within the definition of White Collar/Professional (the discount applies to both the unit-based and fixed-dollar cover). See page 23 for the definition of White Collar/Professional. The cost of your insurance will be deducted monthly in arrears from your Energy Super account. The benefit of any tax deduction available to the Fund for insurance costs deducted from your account is rebated to your account. This refund is currently 15% of the gross insurance cost. If applicable, the refund will show on your Annual Statement. Unit-based cover Death & TPD Standard gross cost: $1.143 per unit per week Discounted gross cost: $0.924 per unit per week (if applicable) Death Only Standard gross cost: $0.751 per unit per week Discounted gross cost: $0.601 per unit per week (if applicable)

9 8 Fixed-dollar cover Standard gross cost (annual cost per $1,000 sum insured) * Discounted gross cost * (annual cost per $1,000 sum insured) # AGE NEXT BIRTHDAY DEATH & TPD ($) DEATH ONLY ($) Up to * A tax refund of 15% of the gross insurance costs is credited to accounts and reduces the effective cost of insurance. AGE NEXT BIRTHDAY DEATH & TPD ($) DEATH ONLY ($) Up to * You may be eligible for a discounted rate for your insurance if your Occupation is within the definition of White Collar/Professional. See page 23 for definition. # A tax refund of 15% of the gross insurance costs is credited to accounts and reduces the effective cost of insurance.

10 ENERGY SUPER INSURANCE GUIDE DEATH & TOTAL AND PERMANENT DISABLEMENT COVER INCREASING, REDUCING OR CANCELLING COVER You can apply to increase your Death & TPD cover at any time by completing a Change of Insurance Form. However, if you apply to increase your cover it must be within the maximum allowable limits (see Maximum amount of cover on page 7). Your increased cover will not commence until your application has been accepted by the Insurer.However, you will be provided with Interim accident cover while your application is being assessed. For more information about Interim accident cover refer to the When your cover starts section on page 7. Please note: Your TPD cover can only be equal to or less than your Death cover. You can decline to acquire, reduce or cancel your cover at any time by completing a Change of Insurance Form, which can be found on our website at energysuper.com.au. You can also cancel your cover over the phone by contacting us on However, if at a later date you want to reinstate or increase your cover, you will need to complete a Change of Insurance Form and may need to undergo medical tests as required by the Insurer. Your application may be accepted by the Insurer on varied terms which may include premium loadings and/or exclusion of particular conditions, or may be deferred or declined. If any part of your application is accepted at varied terms, we will contact you to inform you of any altered terms and ask if you wish to proceed. Please note: You may be required to have insurance cover under an enterprise bargaining agreement which is applicable to your workplace. You should investigate this with your employer prior to cancelling or reducing your cover. Your employer may also pay for the cost of your current default insurance cover. LIFE CHANGING EVENTS On any of these events occurring: getting married; taking out your first mortgage; the birth or adoption of a child; or getting a divorce; you are able to increase your Death Only and Death & TPD cover by up to two units, or the equivalent amount of fixed-dollar cover, for each event (up to a maximum of four units in total) without having to provide any further health evidence to the Insurer. Insured members are not eligible for this additional cover if you: are not At work on the date of your application; or have ever had any application for cover (including death, TPD, income protection or accident or sickness insurance) declined for medical, occupation or pastime reasons. You must provide written proof of the event to the Insurer within 90 days of the event occurring. Proof of the event must be accepted by the Insurer before your cover is increased. Supporting documents for a life changing event are as follows: LIFE EVENT Marriage Divorce Birth of Child Adoption First Mortgage REWARDING LOYALTY REQUIRED PROOF OF LIFE EVENT Marriage Certificate Divorce Certificate Birth Certificate Certificate of Adoption Loan documents or other supporting evidence from the mortgage lender Once you have been a member of Energy Super (including membership with ESI Super and SPEC) for 10 years continuously and you have insurance cover at the time of your anniversary, you may be eligible to receive additional Death Only and Death & TPD insurance cover, without having to provide evidence of health. Insured members are not eligible for this additional cover if you: are not At work on the date of your application; or have ever had any application for cover (including death, TPD, income protection or accident or sickness insurance) declined for medical, occupation or pastime reasons. If you have unit-based you can apply for up to an additional two units of cover, or the equivalent amount of fixed-dollar Death only and Death & TPD insurance cover. Energy Super will contact you when you reach your 10-year anniversary of continuous membership. You can then apply for additional cover in the 90 days following the Fund s offer. LIMITS ON INCREASES FOR LIFE CHANGING EVENTS AND REWARDING LOYALTY If your life changing events or rewarding loyalty application is accepted by the Insurer, your increased cover will only commence from the date of the Insurer s written acceptance, and will be subject to the same acceptance terms, including any premium loadings, exclusions or special conditions, as applied to your existing level of cover. If at the time of application you have fixed-dollar cover, you will receive the equivalent of up to two additional units of cover as at your current age. Increasing your cover under life changing events or rewarding loyalty is subject to a maximum of four additional units in total, or the equivalent amount of fixed-dollar cover in total and is subject to maximum benefit limits (see Maximum amount of cover on page 7). TRANSFERRING YOUR COVER FROM ANOTHER SUPER FUND If you are rolling over your super from another fund, where you also have Death & TPD insurance cover, you may be able to transfer that cover under takeover terms to Energy Super. This means you can keep the same amount of cover (subject to the maximum allowable limits of $10 million for Death cover and $3 million for TPD cover) without having to complete questionnaires and undergo medical tests. Before Energy Super can set up cover in this way, you will need to provide the Fund with written evidence from your previous fund of the amount of cover provided including any restrictions, additional premium loadings or exclusions applied. In the event that your level of external cover is age-based and changes upon your birthday, you may be requested to provide a more up-to-date statement of insurance cover which shows your current level of cover, before the insurer makes a decision to accept the transfer of your external cover or not. This is to ensure that the amount of cover transferred in is correct and so you are not under or over charged premiums. Unless agreed otherwise, those same terms will continue to apply to the transferred portion of your insurance cover with Energy Super. Before applying to transfer cover, you should note that: you must be At Work (see page 22) on the date you apply to Energy Super to transfer your cover from your previous fund; if your application is accepted, your cover will commence on the date the Insurer accepts your application in writing; your current and transferred cover will be on the basis of fixed-dollar and the cost for this cover will be based on the age rates set out on page 6. once cover has been approved with Energy Super, the equivalent amount of cover must be immediately cancelled with your previous fund; once cover has been transferred to Energy Super, if you wish to apply for further increases in cover you will need to complete a Change of Insurance Form; and If you wish to take up this option, please complete an Insurance Transfer Form which can be found on our website at energysuper.com.au QUALIFYING FOR A TPD BENEFIT For a date of disablement on or after 1 July 2017 If your disablement occurred on or after 1 July 2017, the definition of TPD is made up of four parts: A. Any Occupation B. Specific loss C. Activities of Daily Living (ADL) D. Home duties.

11 10 These TPD definitions all ensure that if you are eligible for a TPD insurance benefit you will also meet the permanent incapacity condition of release and will be able to withdraw your benefit, or start an income stream, if you wish. The parts of the definition that will apply to you will depend on your age and the hours you worked in the six month period prior to you becoming disabled, as follows: IF AT THE TIME OF BECOMING TPD YOU ARE: PART A: Any Occupation You have been absent from your Occupation solely through injury or Illness for a period of six consecutive months and have been regularly attending a Medical Practitioner and undertaking medical treatment recommended by a Medical Practitioner with respect to that injury or Illness since ceasing work in your Occupation solely through injury or Illness; and you are incapacitated to such an extent, that in the Insurer s and Trustee s opinion, after consideration of medical and other relevant evidence, you were, at the end of the period of six consecutive months absence from your Occupation, unlikely to ever engage in or work for reward in any occupation for which you are reasonably suited by education, training or experience. For the purpose of this definition, medical and other relevant evidence includes, but is not limited to: the prospect of improvement in your capacity after treatment and rehabilitation that could reasonably be expected to be undertaken by you; and whether reasonable retraining or reskilling would render you likely to engage in or work in any Occupation on a full-time or part-time basis. PART B: Specific loss You suffer the permanent loss of use of two limbs or the sight of both eyes; or the permanent loss of use of one limb and the sight of one eye (where limb is defined as whole hand or the whole foot) in circumstances where the loss will never be regained. In addition to this, you must also be unlikely to ever engage in or work for reward in any Occupation for which you are reasonably suited by education, training or experience. PART C: Activities of daily living You are incapacitated to such an extent that, in the Insurer s and Trustee s opinion, after consideration of medical and other relevant evidence, you are unlikely to ever be able to perform at least two activities of daily living without the physical help of someone else. For the purpose of this definition, activities of daily living means: bathing and/or showering; or dressing; or moving from place-to-place including in and out of bed and in and out of a chair; or eating or drinking; or using the toilet. In addition to this, you must also be unlikely to ever engage in or work for reward in any Occupation for which you are reasonably suited by education, training or experience. PART D: Home Duties PARTS* A B C D Less than age 65 and Employed for at least 15 hours per week. ü ü ü n/a Less than age 65 and Employed for less than 15 hours per week or your Occupation is classified as Home Duties or you are not employed. n/a ü ü ü Aged 65 years or more n/a ü ü n/a * You may be declared TPD if you meet any of the four parts of the definition that applies to your circumstances. Where your Occupation is classified as home duties, you have been absent from your Occupation solely through Injury or Illness for a period of six consecutive months and you are incapacitated to such an PART D: Home Duties cont extent that, in the Insurer s and Trustee s opinion, after consideration of medical and other relevant evidence you were, at the end of the period of six consecutive months absence from employment, unlikely to ever again attend to at least two normal physical domestic household duties. For the purpose of this definition, normal physical domestic household duties means: cleaning the family home; or shopping for food and household items; or meal preparation and laundry services; or leaving the house without the assistance of another person; or looking after dependent child/children under 16 years of age or in full-time secondary education, where applicable; or providing full time care for a disabled person(s) who is a member of your immediate family, where applicable. If you are able to perform the normal physical domestic household duties with the assistance of another person or with the use of assistive devices, you are deemed to be able to perform these duties. You must be under the regular care and attention and following the advice of a Medical Practitioner for that injury or Illness. Evidence that you carried out the duties on a daily basis prior to your period of disability will be required. In addition to this, you must also be unlikely to ever engage in or work for reward in any Occupation for which you are reasonably suited by education, training or experience. For a date of disablement before 1 July 2017 If your disablement occurred before 1 July 2017 the TPD definition(s) that will apply are those stated in the insurance policy in place at the date of your disablement. If you are entitled to an insurance benefit under these TPD definitions this will be paid to your super account. You will also need to meet a condition of release, such as permanent incapacity, before your benefit can be paid to you. More information on conditions of release are available in the Getting My Super Guide available online at energysuper.com.au For details of the TPD definition(s) that apply to you please contact us on Amount of benefit The TPD benefit is calculated as at the Date of Claim. The Date of Claim for a TPD benefit if you satisfy Part A or Part D (Any Occupation or Home Duties) is the first day of the six consecutive month period you are absent from your occupation solely through illness injury. The date of claim if you satisfy Part B & C (Specific Loss or Activities of Daily living) is the date on which you first satisfy the definitions. The amount of the TPD benefit will be the level of cover that applies to you at this date. See Date of Claim on page 12. TERMINAL ILLNESS If you have Death cover and are suffering from a terminal illness you may be eligible for a terminal illness insurance benefit. The definition of terminal illness is: you suffer from an Illness or have incurred an injury, that two registered medical practitioners (at least one of whom is a specialist practicing in an area related to your injury or Illness ) have certified, jointly or separately, is likely to result in your death within a period (certification period) that ends not more than 24 months after the date of the certification; the certification period in each of the certificates has not yet expired; and the reduced life expectancy occurred while you are covered for an insured death benefit under the Policy. The Terminal Illness benefit replaces a Death benefit.

12 ENERGY SUPER INSURANCE GUIDE DEATH & TOTAL AND PERMANENT DISABLEMENT COVER Amount of benefit The Terminal Illness benefit is calculated as at the Date of Claim. The Date of Claim for a Terminal Illness benefit is the date, or if two different dates, the later of the dates of certification from two medical practitioners (at least one of whom is a specialist practising in an area related to the Illness or injury suffered by you) that your life expectancy is likely to be reduced to 24 months or less. The amount of the Terminal Illness benefit will be the level of cover that applies to you at this date. The maximum insurance benefit payable on being diagnosed as terminally ill is $3 million. If your death cover is higher than $3 million, the benefit paid on your death will be reduced by the amount of the Terminal Illness benefit already paid. To be eligible to access your money you must meet the condition of release for terminal medical conditions as outlined in the Getting My Super Guide available at energysuper.com.au OVERSEAS RESIDENCE AND TRAVEL Death & TPD cover applies 24 hours a day, seven days a week, on a worldwide basis if you are an Australian Resident. See page 22 for the definition of Australian Resident. WHEN YOUR COVER ENDS Your Death & TPD cover with Energy Super will end on the earliest of the following: 60 days from the date your account balance is insufficient to cover the cost of the insurance premium; 60 days from the date you are no longer eligible for insurance cover, or are no longer a member of Energy Super; the date you exercise a continuation option (see below); the date you reach age 70; the date you die; the date you are paid a Death or TPD benefit; the date you are paid a Terminal Illness benefit that is not less than your Death and/or TPD benefit; the day before you commence service in the armed forces (other than the Australian Army Reserve) of any country; the date you cancel your insurance cover; and when cover for every member ceases under the group insurance policy because the insurance policy is cancelled. Please note: If you cease working with an employer but remain an Energy Super member, your Death & TPD cover continues until you meet one of the above criteria. The cost of this cover is deducted from your account. You can cancel or reduce your cover by contacting Energy Super. CONTINUATION OPTION If you cease employment with your employer and leave Energy Super, you can apply to continue your insurance under an individual policy with the Fund s Insurer. You must be under age 60, not entitled to nor be claiming a benefit under the Energy Super policy, and submit the application within 60 days of ceasing employment. You will be applying for an individual policy under retail conditions, which is guaranteed to be renewed annually. The continuation option applies only when your previous cover in Energy Super ceases. The following conditions apply: Your cover must have ceased as a consequence of you ceasing employment with your employer and not for reasons of ill health. Continuation of cover is not available where you leave Energy Super and there is no change in your employment; For TPD insurance you must recommence full-time employment within 90 days of ceasing employment; You have not ceased to be an insured member because of duty in the armed forces (not including the Australian Army Reserve); The benefit will be no more than your insurance cover under Energy Super. Any special terms and conditions applying to your cover under Energy Super, including premium loadings or exclusions, will also apply under the individual policy; The cover will be provided on the terms, conditions and rates that are current for this type of insurance at the time, and must satisfy the Insurer s underwriting criteria in relation to Occupation, pastimes, smoking status and residency status; The individual policy premium will be subject to the Insurer s normal minimum premium; You must not have received, nor be eligible to receive, any TPD payments (under a group life policy) or similar payments under any other policy; You must be a permanent resident of Australia. The Insurer may decline to provide cover under the continuation option where the Insurer has no retail product available to cover the Occupational risk. The cost of your insurance will be based on the Insurer s standard pricing for similar policies that applies at the time of your application taking into account your age, sex, Occupation and other matters. If you wish to apply for a continuation option contact us on MAKING A CLAIM You should notify us as soon as is reasonably practical if you think you may be eligible to make a claim. You should not leave this decision for too long. If your claim is submitted more than one year after the event giving rise to the claim, and the delay prejudices the Insurer s ability to assess the claim, it may cause the Insurer to decline or reduce the amount it will pay in respect of your claim. If you make a claim, the Insurer and/or Trustee may conduct investigations to assess the value and validity of your claim. This may involve the use of investigation agents, legal advisers and the collection of personal data that the Insurer believes is relevant. If you have been off work for more than six months and you are unlikely to recover from your disability, or if you have been diagnosed with a terminal illness, you should discuss this with your Medical Practitioner, your employer and Energy Super. To find out more about making a claim, call us on IF YOU LEAVE ENERGY SUPER The Insurer may consider a claim if: you die within 60 days of leaving Energy Super; or you become Totally and Permanently Disabled within 60 days of leaving the Fund and you were previously eligible for a TPD benefit under the policy.

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14 ENERGY SUPER INSURANCE GUIDE INCOME PROTECTION COVER Energy Super s Income Protection (IP) insurance means if you are unable to work temporarily because of a disability, you can still have a fortnightly income for up to 104 weeks and then until you reach age 65 if you choose - subject to meeting the eligibility requirements of the insurance policy. Energy Super has arranged your IP through a group policy which means you pay for your chosen level of cover at competitive rates. The cover is split into two types: Standard Income Protection cover (104 weeks benefit); and Extended Income Protection cover (to age 65 benefit). ELIGIBILITY FOR COVER If you join Energy Super within 120 days of joining your Energy Super Employer or within 120 days of your employer becoming an Energy Super Employer, you ll receive Standard IP cover up to your Automatic Acceptance Limit based on your division and employment category. Your cover starts on the first day of your employment but will not apply to a Pre-existing Condition until you ve been At Work for 30 consecutive days after the date your cover starts. If you join Energy Super after 120 days of joining your employer cover is not automatic but you can apply for it and it will be subject to a Pre-existing Condition exclusion. If you are working for an Energy Super employer and do not elect a Category level for Standard Income Protection, the Category level you will receive by default will be: If you are age 22 or over: Category B If you are under age 22: Category G (if you then reach age 22 and still have not elected a Category level for Standard Income Protection, the Category level you receive by default will then be changed to Category B, unless you have an alternative arrangement with your employer). The change of cover from Category G to Category B upon turning 22 doesn t apply to members that have or apply for Extended Income Protection cover. The change of cover from Category G to Category B upon turning 22 is an automatic increase in the default Category level of cover, and is not subject to Pre-Existing Condition. If you elect to have contributions paid to another superannuation fund when joining your employer and then apply to join Energy Super, any cover will commence on the day we accept your application and will be subject to the Pre-existing Condition exclusion. For any optional or additional cover you take out, cover will commence on the day we accept your application and will be subject to the Pre-existing Condition exclusion. If you wish to access Extended IP cover you will need to apply for this benefit. Your application may be accepted by the Insurer on varied terms which may include premium loadings and/or exclusion of particular conditions, or may be deferred or declined. If your application is accepted at varied terms, we will contact you to inform you of any altered terms and ask if you wish to proceed. Other members ( Public Offer Members ) are eligible to apply for IP cover provided they are Actively At Work. You are not required to provide evidence of your good health when you apply. However your cover will be subject to the Pre-Existing Condition exclusion. See pages 22 and 23 for the definitions of At Work/Actively At Work and Pre-Existing Condition. JOINING ENERGY SUPER (TWO WAYS TO JOIN) INSURANCE FEATURES "Automatic Cover" Optional/ Additional Cover JOINING THROUGH AN ENERGY SUPER EMPLOYER If you join Energy Super within 120 days of joining your Energy Super Employer or within 120 days of your employer becoming an Energy Super Employer, you ll receive Standard IP cover up to your Automatic Acceptance Limit based on your division and employment category. Your cover starts on the first day of your employment but will not apply to a Pre-existing Condition until you ve been At Work for 30 consecutive days after the date your cover starts. If you join Energy Super after 120 days of joining your employer cover is not automatic but you can apply for it and it will be subject to a Pre-existing Condition exclusion. If you elect to have contributions paid to another superannuation fund when joining your employer and then apply to join Energy Super, any cover will commence on the day we accept your application and will be subject to the Pre-existing Condition exclusion. Extended IP cover is not automatic and you will need to apply for this cover. In some circumstances Energy Super may adjust your IP benefit level if advised of your income by your employer. You can apply for additional Standard IP cover up to the maximum benefit level (see page 14) if you are Actively At Work. Any additional cover you take out above the Automatic Cover amount will commence on the day Energy Super accepts your application. Any cover above the Automatic Cover amount shall be subject to the Preexisting Condition exclusion. For more information see Maximum amount of cover. JOINING AS A PUBLIC OFFER MEMBER If eligible, you can apply for Automatic Cover, however Pre-existing Condition exclusions will apply. Refer to the Exclusions for Public Offer members section on page 15 for more information. Your insurance cover is optional (you do not have to take out cover). You can apply for additional insurance up to the maximum benefit level (see page 14) if you are Actively At Work. Any cover you take out will commence on the day Energy Super accepts your application and shall be subject to the Pre-existing Condition exclusion. For more information see Maximum amount of cover.

15 14 JOINING ENERGY SUPER (TWO WAYS TO JOIN) CONT D INSURANCE FEATURES Waiting Period Extended Income Protection to age 65 Paying for insurance cover JOINING THROUGH AN ENERGY SUPER EMPLOYER The Waiting Period is 14 days. PAYMENT PERIODS You can extend the payment period of your IP benefit beyond 104 weeks. You can apply for this option on your Member Application Form. A Personal Statement is required. JOINING AS A PUBLIC OFFER MEMBER The Waiting Period is 14 days. You can extend the payment period of your IP benefit beyond 104 weeks. You can apply for this option on your Member Application Form. A Personal Statement is required. The cost of your IP insurance cover is deducted from your Energy Super account monthly until cancelled. Note that ceasing employment does not automatically cancel your insurance. For more information please refer to When your eligibility for cover ends on page 20. Your Standard IP benefit payment period is generally up to 104 weeks and commences after your Waiting Period (14 days) has expired. If you also select and pay for the option to extend your insurance cover to age 65 your benefit payments will generally further continue until you reach age 65. The maximum period that your IP benefits will be paid depends on your age. WHEN YOUR COVER STARTS STANDARD IP If you are eligible and join Energy Super within 120 days of joining your Energy Super Employer, you ll receive Standard IP cover up to your Automatic Acceptance Limit. Your cover starts on the first day of your employment but will not apply to a Pre-existing Condition until you ve been At Work for 30 consecutive days after the date your cover starts. If you join Energy Super after 120 days of joining your employer cover is not automatic but you can apply for it and it will be subject to a Pre-existing Condition exclusion. If you choose another super fund when you start work with your Energy Super Employer, then decide to join Energy Super at a later date, you will need to complete the Member Application Form to apply for cover. Pre-existing Condition exclusions will apply. If you are a Public Offer Member, cover starts on the day your application for cover is accepted, provided you are Actively At Work and have sufficient funds to pay insurance costs. Pre-existing Condition exclusions will apply. (See pages 22 and 23 for definitions of Actively At Work and Pre-existing Condition ). Maximum benefit period (if you have Standard IP cover) AGE ATTAINED BENEFIT PERIOD 64 and under 104 weeks or until you turn 65, whichever happens first 65 and over (if you are not on claim when you turn 65) Already on claim when you turn 65 Maximum 52 weeks An additional 52 weeks to a maximum of 104 weeks total benefit period Maximum benefit period (if you have extended your cover to age 65) AGE ATTAINED BENEFIT PERIOD 64 and under To age 65 Payments may cease before the maximum benefit periods in certain circumstances. Please refer to the Income Protection payments section on page 18 for more information. MAXIMUM AMOUNT OF COVER STANDARD IP The weekly benefit for Standard IP is as follows: For the first 120 days after the waiting period, the actual benefit payable will be the lesser of: 90% of your Income ; or the level of cover you received automatically or applied for. For the remainder of the benefit period, the benefit will be reduced to the lesser of: 80% of your Income ; or the level of cover you received automatically or applied for. A superannuation benefit is also payable into your Energy Super account equal to the lesser of 10% of Income or 10% of the benefit level for which you are insured. THE COST OF COVER 104 week benefit payment period The cost you pay for your insurance depends on the level of cover you choose and whether or not you are covered by a Workers Compensation scheme (such as WorkCover Queensland). The cost of your IP insurance cover in Energy Super is subject to your eligibility for Workers Compensation cover which can be claimed if the Injury or Illness related to your IP insurance claim is work related. Most employees are eligible for Workers Compensation cover in the State or Territory in which they work, but some individuals such as directors, sole traders and some contractors are not eligible. If you are not covered by a Workers Compensation scheme, the cost of your IP insurance cover is higher. If you are uncertain about whether you are covered by a Workers Compensation scheme anywhere in Australia talk to your employer or contact the Workers Compensation authority in your State or Territory. WorkCover Queensland can be contacted on Please note: If your relevant Workers Compensation scheme decides to cease weekly Statutory Benefits to you but you have not returned to work, you may be requested to be examined by an independent medical specialist to determine the status of your disablement. If you are eligible to claim under a Workers Compensation scheme, you may be required to do so to be eligible to claim an IP benefit from Energy Super. The benefit of any tax deduction available to the Fund for insurance costs deducted from your account is rebated to your account. This refund is currently 15% of the gross insurance cost. If applicable, the refund will show on your Annual Statement as Contributions tax refund (Insurance). Your insurance costs will generally continue to be deducted monthly from your account until you contact us to cancel it. However, there are exceptions and for details, please refer to the When your eligibility for cover ends section on page 20.

16 ENERGY SUPER INSURANCE GUIDE INCOME PROTECTION COVER Gross cost of cover for a benefit period of 104 weeks The benefit levels and costs are as follows. Please note that the costs shown are subject to change. GROSS COST (PER WEEK) 3 YEAR FROM CATEGORY GROSS BENEFIT LEVEL UP TO 1 (PER WEEK) INCOME NEEDED (PER ANNUM) 1,2 COVERED BY WORKERS COMPENSATION NOT COVERED BY WORKERS COMPENSATION 1 April March 2019 G (Default, age under 22 yrs) $ $42, $10.85 $ April March 2019 F $1, $65, $13.79 $ April March 2019 E $1, $81, $17.72 $ April March 2019 D $1, $97, $23.63 $ April March 2019 C $2, $130, $31.52 $ April March 2019 B (Default, age 22 yrs and over) $2, $162, $39.39 $ April March 2019 A $4, $243, $70.91 $ April March 2019 Additional $5, $325, $94.55 $ April March 2019 Additional $7, $406, $ $ April March 2019 Additional $8, $487, $ $ April March 2019 Additional $9, $569, $ $ You can choose any benefit level you wish but keep in mind that for the first 120 days after the waiting period, the actual benefit payable will be the lesser of: 90% of your Income ; or the level of cover you received automatically or applied for. For the remainder of the benefit period, the benefit will be reduced to the lesser of: 80% of your Income ; or the level of cover you received automatically or applied for. A superannuation benefit is also payable into your Energy Super account equal to the lesser of 10% of Income or 10% of the benefit level for which you are insured. So if you choose a benefit level and your Income is less than the amount in the Income needed column, the actual benefit payable will be less than the level you chose. Amounts will be indexed by 5% on 1 April each year. 2 Calculated by multiplying the benefit level by 52 and dividing by 90% 3 These costs comprise insurance premiums and a 5% insurance fee. Costs will be indexed by 5% on 1 April each year. A tax refund of 15% of the insurance premiums only is credited to accounts and reduces the effective cost of insurance. Total cost includes stamp duty and GST. Please note: The cover levels shown above are gross of tax. Income Protection payments are subject to PAYG and end of year tax. Example: Tom earns $162, a year and currently has Standard IP with a benefit of up to $2, per week (the default level of cover). He is covered by Workers Compensation, so the cost of this cover is currently $39.39 per week. If he was eligible to claim a benefit under this cover, for the first 120 days of the benefit period he would receive a fortnightly gross benefit equivalent to $2, per week and a $ per week super contribution. For the remainder of his benefit period, he would receive a fortnightly gross benefit equivalent to $2, per week and his super contribution would remain at $ per week.

17 16 EXTENDING THE PAYMENT PERIOD PAST 104 WEEKS Energy Super gives you the flexibility to apply for additional IP cover (Extended Income Protection) to provide a monthly benefit with a payment period up to age 65 (i.e. beyond 104 weeks). The waiting period for the Extended Income Protection benefit is two years and 14 days. You are eligible to apply for the extended payment period providing you are a member of Energy Super and are Actively At Work earning an Income. You must also be: insured for Standard IP cover; under age 65; engaged in regular employment; working an average of at least 14 hours or more per week; and an Australian Resident now and at the time of claim. See page 22 for definition of Australian Resident. The optional Extended IP benefit is subject to medical evidence and will need approval by the Insurer. The cost of extending your benefit period to age 65 depends on the level of cover you choose, your age and whether you are eligible for a White Collar/Professional discount. MAXIMUM AMOUNT OF COVER EXTENDED IP The monthly benefit for Extended IP cover to age 65 is the lesser of: The level of cover you applied for; or 80% of your Monthly Income. You will also receive 10% of your Monthly Income as a superannuation contribution into your Energy Super account. Additional gross cost of cover for a benefit payment period to age 65 The benefit levels and costs are as follows. Please note that the costs shown are subject to change. YEAR FROM GROSS BENEFIT LEVEL UP TO (PER WEEK) 1 : 14 YRS & 9 MNTHS TO 35 WITH WHITE COLLAR DISCOUNT 36 TO TO TO 65 GROSS COST (PER WEEK) 2 14 YRS & 9 MNTHS TO 35 WITHOUT WHITE COLLAR DISCOUNT 36 TO TO TO 65 1 April 2018 $ $4.42 $6.63 $15.17 $24.59 $6.32 $9.48 $21.67 $ April 2018 $1, $6.83 $10.23 $23.42 $37.94 $9.74 $14.62 $33.46 $ April 2018 $1, $8.53 $12.79 $29.27 $47.43 $12.20 $18.29 $41.84 $ April 2018 $1, $10.23 $15.37 $35.12 $56.93 $14.62 $21.95 $50.20 $ April 2018 $2, $13.67 $20.48 $46.81 $75.89 $19.51 $29.27 $66.90 $ April 2018 $2, $17.06 $25.60 $58.52 $94.87 $24.40 $36.59 $83.64 $ April 2018 $4, $25.60 $38.41 $87.80 $ $36.59 $54.88 $ $ April 2018 $5, $34.15 $51.21 $ $ $48.77 $73.17 $ $ April 2018 $7, $42.68 $64.01 $ $ $60.97 $91.45 $ $ April 2018 $8, $51.21 $76.82 $ $ $73.17 $ $ $ April 2018 $9, $59.76 $89.64 $ $ $85.37 $ $ $ Amounts will increase by 5% on 1 April each year. 2 Costs will increase by 5% on 1 April each year. A tax refund of 15% of the gross insurance costs is credited to accounts and reduces the effective cost of insurance. Total cost includes stamp duty and GST. Please note: The cover levels shown above are gross of tax. Income Protection payments are subject to PAYG and end of year tax. Example: Tom earns $162, a year, is 56 years old and has IP with a benefit of up to $2, per week.he currently receives the white collar discount, so the cost of his Extended IP cover is $94.87 per week. Including the cost of his Standard IP cover, the total cost of Tom s IP cover is $ per week. If Tom was eligible to claim a benefit, for the first 120 days of the benefit period of 104 weeks he would receive a fortnightly benefit equivalent to $2, per week and a $ per week super contribution. For the remainder of the benefit period, he would receive a fortnightly benefit equivalent to $2, per week and his super contribution would remain at $ per week up to the 104 weeks he was eligible to claim. If he was still unable to work after the initial 104 week benefit period had ended, Tom would then receive a fortnightly benefit equivalent to $2, per week and a $ per week super contribution until he reached age 65. Please note: The actual Extended IP benefit payable to members is the lesser of the monthly benefit outlined above or 80% of Monthly Income plus 10% super contribution.

18 ENERGY SUPER INSURANCE GUIDE INCOME PROTECTION COVER INCREASING, REDUCING OR CANCELLING COVER You are able to increase your Standard IP cover or Extended IP cover at any time. However, if you increase your cover it must be within the maximum amount of cover. Pre-existing Condition exclusions will apply for the amount of the increase for Standard IP cover (expect automatic increase in default level of cover upon turning 22) and you will need to complete the underwriting requirements for Extended IP cover. If you have previously increased your cover, you can later reduce the cover by notifying Energy Super in writing. However, if you then want to reinstate the increase in your cover, you will have to reapply. If you wish to change your level of IP cover please complete a Change of Insurance Form. You can decline to acquire, reduce or cancel your IP cover (including default cover) at any time by completing a Change of Insurance Form. You can also cancel your insurance over the phone by contacting us on Please note: You may be required to have insurance cover under an enterprise bargaining agreement which is applicable to your workplace. You should investigate this with your employer prior to cancelling or reducing your cover. In some circumstances, your employer may provide us with information which we utilise to adjust IP benefit levels. If you re an Energy Super member, we can give you personal advice about your IP cover over the phone at no additional cost to you. Simply call us on or visit our website at energysuper.com.au to schedule an appointment with an adviser. INTERIM ACCIDENT COVER While your application for Extended IP cover is being assessed, you will be provided with interim accident cover for the lesser of the amount of Extended IP cover you applied for, the level of cover allowed under the Insurer s normal assessment guidelines and $15,000 per month. The interim accident benefit is limited to a maximum benefit period of two years. Some conditions apply. Where interim accident cover applies, a benefit will only be payable where you suffer a total disability as a result of injury. Interim accident cover starts from the date your application for Extended IP cover is received by the Fund. INCOME PROTECTION PAYMENTS If you qualify for a Standard IP benefit, your payments will commence after your 14 day Waiting Period has expired. Payments will be made fortnightly in arrears for up to 104 weeks and will stop: if you resume work or are deemed fit to resume work by a Medical Practitioner; or if you die; or at the expiry of the maximum benefit period (see the Payment periods section on page 15 for more information); or if you fail to provide all requested information and other evidence reasonably required to assess the claim; or if you fail to follow or undertake the Medical Practitioner s advice or recommended treatment for the current disability. Advice or treatment includes seeking specialist advice or undergoing rehabilitation such as, but not limited to, obesity, drug addiction or alcoholism treatment plans where the condition is related to or exacerbating the current disability. Any benefit payable shall be suspended during a period of imprisonment whether served in a state run detention centre or alternate facility including home detention. If you choose Extended IP cover to age 65, pay for that option and qualify for payment, your Extended IP benefit will be paid until you reach age 65. Payments will be made fortnightly in arrears and will stop if: you are no longer totally or partially disabled; or you die; or you reach age 65; or you are no longer under the regular and continuous care of a Medical Practitioner ; or you fail to provide the Insurer with all requested information and other evidence reasonably required to assess your claim. If you die while receiving an Extended IP benefit, a bereavement benefit will be paid in the form of a lump sum equal to three times your monthly benefit from the date of death. Interim accident cover will expire on the earliest of the following: 90 days after the commencement of the interim accident cover; the date your application for insurance is accepted or declined; the date you cancel or withdraw your application for insurance; or the date you are no longer eligible for insurance cover with Energy Super. 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; injury occurring prior to the date you became eligible for cover; cover applied for that would have been declined under the Insurer s current assessment guidelines; or a claim lodged for an event or condition that would have been excluded under the Insurer s normal underwriting process.

19 18 QUALIFYING FOR AN INCOME PROTECTION BENEFIT You may qualify for an IP benefit if: as a result of an Injury or Illness you are completely and continuously prevented from engaging in your Usual Occupation and are under the regular care of and acting in accordance with the instructions or professional advice of a Medical Practitioner ( Total Disablement ); or after a period of Total Disablement, you return to work but as a result of the Injury or Illness for which you were totally disabled, you are unable to perform all the duties of your Usual Occupation, or restricted in the hours for which you are capable of performing your usual Occupation, or earning less than your Income prior to total disablement ( Partial Disability ). See pages for the definitions of Injury and Illness. If you have been working on modified duties without any restriction in the hours worked for a period of 12 months, then this shall be considered your Usual Occupation. EXCLUSIONS Benefits are not payable under your Standard IP cover with a benefit period of up to 104 weeks or your Extended IP cover with a benefit period to age 65 where the disability arises from: any consequences of war, invasion or civil war; or any intentional self-inflicted Injury or Illness, including any attempt at suicide; or normal and uncomplicated pregnancy or childbirth; or a Criminal Act for which you have been charged and found guilty. No benefits will be payable if charged until such time as you are found to be not guilty or the charges are dismissed. Criminal Act is any act forbidden by law for which the maximum penalty may include a period of imprisonment; or any disablement which immediately results from the consumption of illicit substances prohibited by Australian federal law; or service in the armed forces of any country (not including the Australian Defence Force Reserve). Benefits are also not payable under Extended IP cover if, immediately on commencement of the Waiting Period (in relation to Extended IP) you are not in receipt of a Standard IP benefit. EXCLUSIONS FOR PUBLIC OFFER MEMBERS If you are a new Public Offer Member who applies for cover which commences on or after 30 September 2017, the following exclusions apply: No benefit will be payable for Standard IP caused directly or indirectly by any Pre-Existing Condition that occurred five years prior to the date you commenced cover under the terms of the policy: a) where the Date of Claim is within the first 24 months after your commencement date; or b) where the Date of Claim is later than the first 24 months after your commencement date and you were not At Work due to a Pre-Existing Condition on the 2nd year anniversary of your commencement date; or Exclusion B will not apply when you have been At Work for at least one day between the 2nd year anniversary of your Commencement Date and the Date of Claim. If you are an insured Public Offer Member who subsequently becomes employed with an Energy Super Employer, the Public Offer Conditions will cease to apply to the cover you received as a Public Offer Member. Please see the Exclusion for Public Offer Members in the Death and TPD section on page 7. PRE-EXISTING CONDITION Pre-existing Condition exclusions apply in the following circumstances: for members who do not have Automatic Cover and apply for cover; for members who increase their cover above the level of their Automatic Cover ; and if your cover recommences after having ceased for any reason. Please see the Definitions section on pages to identify which Pre-existing Condition exclusion applies to you. PARTIAL INCOME BENEFIT If, after a period of Total Disability, you return to work on partial or restricted duties and earn less than your pre-disability Income, you will still be able to access benefits to top up your Income to the maximum benefit amount. RECURRENT DISABILITY If you suffer a recurrence of Total Disability or Partial Disability from the same or related cause or causes within six months, the subsequent period of Total Disability or Partial Disability (as applicable) will be deemed a continuation of the prior disability and therefore count towards the Benefit Period. A new Waiting Period will not apply. If you have worked on a full-time unrestricted basis for a least six consecutive months, the subsequent period of Total Disability shall be deemed to have resulted from a new Injury or Illness. A new Waiting Period will apply. If disability is caused by a new Injury or Illness, the Waiting Period will apply subject to you being Actively At Work. RETURNING TO WORK DURING WAITING PERIOD If you return to work for more than five consecutive days during the waiting period and suffer a reoccurrence of the Injury and/or Illness which led to the initial Total Disability, then the waiting period shall recommence from the day that you suffered Total Disability after returning to work. IF YOU ARE ON UNPAID LEAVE If you are an Australian Resident on unpaid leave that is approved by your employer and your insurance premiums continue to be paid, your Standard IP cover with a benefit period of up to 104 weeks will remain in place for up to 24 months. If you are not an Australian Resident and you are on unpaid leave that is approved by your employer and your insurance premiums continue to be paid, your Standard IP cover will remain in place for up to 90 days. See page 22 for the definition of Australian Resident.

20 ENERGY SUPER INSURANCE GUIDE INCOME PROTECTION COVER OVERSEAS RESIDENCE AND TRAVEL Your Standard IP cover with a benefit period of up to 104 weeks applies worldwide, with the following exception: If the country you are travelling to is subject to an Australian Government advisory notice advising against all travel to that country the day before you leave Australia (if the advisory warning is subsequently downgraded your cover will resume). If you become totally disabled while travelling overseas or travel overseas after becoming disabled, you will receive IP benefits for up to 12 weeks while you remain overseas. Upon your return to Australia, your benefits may recommence. Your Extended IP cover with a benefit period to age 65 (if applicable) applies worldwide. However, unless you are continuously residing in Australia or in a country approved by the Insurer (contact Energy Super for a list of approved countries), your benefits will be subject to the following conditions: payment of benefits will be limited to 12 months; and after 12 months, no benefits will be payable to you unless you return to Australia or a country approved by the Insurer. Upon your return to Australia or an approved country, your benefits may recommence. WHEN YOUR ELIGIBILITY FOR COVER ENDS You may be ineligible to claim your Standard IP cover with a benefit period of up to 104 weeks in the following situations: when you have been unemployed for a continuous period of six months; or when you have been on unpaid leave for more than 24 months; or 30 days after there is insufficient funds in your account to pay insurance costs due; or 60 days after you leave the Fund or any earlier date on which insurance commences with your new superannuation arrangements after leaving the Fund; or when you reach age 70; or if you die; or when you cancel your cover; or when cover for every member ceases under the group insurance policy. You may be ineligible to claim your Extended IP cover with a benefit period to age 65 in the following situations: from the date your Standard IP cover ceases; or when you have been unemployed for a continuous period of six months; or 24 months after the commencement of unpaid leave; or 30 days after there is insufficient funds in your account to pay insurance costs due; or 60 days after you leave the Fund or any earlier date on which insurance commences with your new superannuation arrangements after leaving the Fund; or when you reach age 65; or if you die; or you cancel your cover; or when cover for every member ceases under the policy. The cost of your IP cover will generally continue to be deducted monthly from your account until you contact us to cancel it. However, we ll automatically cancel your IP cover if no employer contributions have been received for six months AND your account balance falls below $2,000 (excluding investment earnings that have accrued but not yet been credited to your account). To keep your IP cover in place please ensure your employer is making regular contributions to your account OR keep your account balance sufficiently above $2,000 each month to pay your insurance costs and administration fees. If you wish to cancel your cover please call us on or complete a Change of Insurance Form. MAKING A CLAIM To make a claim, you will be required to complete a claim form and submit the claim form along with all supporting evidence to Energy Super s Insurer. The claim form contains three sections, one to be completed by you, one by your employer and another by your treating Medical Practitioner. To avoid delays, you can submit your claim before the Waiting Period is complete. However, payments will only be calculated from the end of your Waiting Period and paid fortnightly in arrears. You must notify Energy Super as soon as is reasonably practicable of any event entitling you to a benefit including the diagnosis of you having an Injury or Illness that may result in an insurance claim being made. You may be required to be examined by an independent Medical Practitioner of the Insurer s choice. To find out more about making a claim, call us on WHAT HAPPENS WHILE ON CLAIM? Once the claim submission has been accepted and the Waiting Period has ceased, benefits will commence fortnightly in arrears. As such, you can expect your first payment to be processed two weeks after your Waiting Period ends. Progress reports and other medical certification will be required during the benefit period to ensure you are under the regular care of a Medical Practitioner. We will assess whether you are undergoing appropriate medical treatment and are compliant with the treatment prescribed. Medical certification of the disability will be required to support ongoing disability benefits. Each medical certificate cannot certify your incapacity for a period of more than three months. You will be advised when your benefit ceases. This can either be after one or more of the following occurs: the benefit period reaches 104 weeks (unless you have Extended IP cover); or you reach the maximum age limit; or you no longer meet the definition of either Total Disability or Partial Disability. You should notify us as soon as you become aware that you are due to return to work either on partial or full duties. Benefits will be adjusted to reflect the change to your state of incapacity. This will also avoid any recovery if a benefit is overpaid. Energy Super or our Insurer may require at any time during a period of disability that you be examined by an independent Medical Practitioner of their choosing. The costs associated with the examination will be met by us, however, if you fail to attend the examination for any reason then you will be required to pay any costs incurred. Failure to attend

21 20 the Independent Medical Examination may result in suspension or cessation of benefits. Please note: insurance costs will continue to be deducted from your account until you become ineligible or you request a cancellation of your Income Protection cover. WHEN YOUR INCOME PROTECTION BENEFIT WILL BE REDUCED Your Standard IP benefit (with a benefit period of 104 weeks) will be reduced by any sick leave, Workers Compensation, accident compensation, or any insurance policy held with another insurance provider which provides insurance benefits intended to replace income, disability or statutory payments you receive. You must disclose all payments or benefits before, during or after you receive a Standard IP benefit. Your Extended IP benefit to age 65 will be reduced by the amount of any: sick leave or other employer paid leave; damages for personal injury resulting from the legal liability of any other party but excluding punitive damages; benefits under other insurance policies held with another insurance provider, which provides insurance benefits intended to replace income; amount paid or payable under workers compensation legislation or a policy of insurance entered into in connection with the requirements of such legislation, or under any statutory motor accident compensation scheme; that arises from the disability. Where a benefit of any of those kinds ( offset benefit ) is received in the form of a lump sum, the insurer may determine on a reasonable basis how much of the lump sum represents compensation for loss of income and the period of disability it relates to and then convert that amount to the equivalent weekly amount in order to determine how much of the benefit paid under the Extended IP Policy is reduced or is entitled to be recovered. If a Medical Practitioner deems you to be capable of returning to work on modified work hours or duties and suitable duties within these limitations are either: made available by the employer and you decline to perform the duties; or not made available by your employer, then the benefit payable will be reduced to 25% of the benefit that would have been paid if you were totally disabled or your partial disability benefit, whatever is the lesser. The Insurer will pay you the difference between the income from other sources and your insured amount. If you receive an offset benefit, after a benefit in relation to the same period has been paid by the insurer, then the insurer is entitled to a full repayment of the difference between what they paid and the recalculated benefit amount. INDEXATION OF BENEFITS WHILST ON CLAIM If you have been paid a benefit for a continuous 12 month period, the amount of the benefit payable will be increased by the lesser of 5% or the annual percentage increase in CPI, taken at the end of the last reported quarter prior to the date of review, whichever is lesser but subject to the maximum benefit limit. This will apply to all benefit payments after the first 12 months of continuous benefit payments. OTHER INSURANCE INFORMATION INSURANCE CLAIMS If you (or your beneficiaries) wish to make a claim for any insured benefit provided by Energy Super, you (or your beneficiaries) need to contact Energy Super. If you make a claim, the Trustee may conduct investigations to assess the value and validity of your claim. This may involve the use of investigation agents, legal advisers and the collection of personal data that is believed to be relevant. YOUR DUTY OF DISCLOSURE Before you enter into a contract for personal insurance cover with an Insurer, you have a duty to disclose to the Insurer every matter that you know, or could reasonably be expected to know, that is relevant to the Insurer s decision whether to accept the risk of insuring you and, if so, on what terms. You also have the same duty of disclosure if you wish to extend, increase or reinstate your insurance cover. You do not need to tell the us anything that: reduces the risk of you being insured; or is common knowledge; or if the Insurer has waived your duty to tell us. If the insurance is for the life of another person and that person does not tell us everything he or she should have, this may be treated as failure by you to tell us something that you should have told the Insurer. If you do not tell us anything you are required to, and the Insurer would not have insured you if you had told us, the Insurer may avoid the contract within 3 years of entering into it. If the Insurer chooses not to avoid the contract, they may, at any time, reduce the amount you have been insured for. This would be worked out using a formula that takes into account the premium that would have been payable if you had told us everything you should have. If the Insurer chooses not to avoid the contract or reduce the amount you have been insured for, they may, at any time, vary the contract in a way that places them in the same position it would have been in had you told them everything you should have. However, this right does not apply if the contract has a surrender value or provides cover on death. If you fail to comply with your duty of disclosure and the Insurer would not have entered into the contract on any terms if the failure had not occurred, the Insurer may void the contract within three years of entering into it. If your non-disclosure is fraudulent, the Insurer may void the contract at any time. An Insurer who is entitled to void a contract of life insurance may elect not to void it but to reduce the sum insured in accordance with a formula that takes into account the premium that would have been payable if you had disclosed all relevant matters to the Insurer.

22 ENERGY SUPER INSURANCE GUIDE DEFINITIONS Accident (in relation to Death & TPD cover and Extended IP cover) means an event where bodily injury is caused directly and solely by external and visible means, independent of all other causes. Actual Monthly Income Employee: means the amount earned through your personal exertion from your Occupation before personal deductions and income tax, and including overtime and all allowances actually paid to you in that month. Self-employed: members means the monthly gross income generated by the business or practice due to your personal exertion or activities less your share of business expenses necessarily incurred in that month. At Work/Actively At Work (in relation to Standard IP cover only) means you are employed with an employer or self-employed and are actively performing the duties of your Usua2.8l Occupation without restriction due to Injury or Illness or, if not actively performing the duties of your Usual Occupation, capable of doing so and not in receipt of, or entitled to claim, disability income support benefits from any source. You may also be considered to be Actively At Work if you are on paid annual or long service leave provided that the leave is not in connection to a disability and you were At Work on the day immediately prior to being on leave. At Work (in relation to Death & TPD cover only) means you are at work for the normal daily hours of work and you are actively performing the full, unrestricted or unmodified duties of your normal Occupation for which you were employed, or would have been had the day not been a day of leave (other than due to Injury or Illness ), public holiday or weekend day. Australian Resident (in relation to Death & TPD cover and Extended IP cover) means you: have always lived in Australia or have come to Australia to live; and are eligible to work in Australia. Australian Resident (in relation to Standard IP cover only) means a person who permanently resides in Australia or resides in Australia on a current temporary resident (section 457) working visa. Automatic Cover means the cover you will receive automatically when you join Energy Super that is not subject to underwriting (medical assessment) by the Insurer. Base Salary is the ordinary regular salary paid by your employer, earned through your personal exertion. This excludes any additional allowances or overtime for which you may be eligible. Commencement Date means the date a Public Offer Member becomes an Insured Member or in respect to an increase or recommencement of cover, the effective date of the increased cover or reinstated cover. CPI (in relation to Extended IP cover only) means the Consumer Price Index (All Groups Index Weighted Average for Eight Capital Cities, published by the Australian Bureau of Statistics) in respect of the 12 months prior to commencement of benefit payments. CPI (in relation to Standard IP cover only) means the Consumer Price Index (All Groups Weighted Average of Eight Capital Cities) most recently issued by the Australian Bureau of Statistics or its successor. Criminal Act means any act forbidden by law, which may result in you receiving a conviction and for which a period of imprisonment may result. Date of Claim means, in relation to a: Death claim: the date of your death; Terminal Illness claim: the date or, if two different dates, the later of the dates on which we receive certification from two registered Medical Practitioners (at least one of whom is a specialist practising in an area related to the Illness or injury suffered by you) that your life expectancy is likely to be reduced to 24 months or less. TPD claim: For part (a) Any Occupation and part (d) Home Duties the date last worked immediately prior to your disablement is the first day of the six consecutive month period that you are absent from your Occupation solely through illness or injury For part (b) Specific Loss and part (c) Activities of Daily Living, the date is when you first satisfy the definition of TPD Employed (in relation to Death & TPD cover only) means engaged in regular employment. Employed (in relation to Extended IP cover only) means engaged in regular permanent employment for an average of at least fourteen (14) hours per week but does not include any person engaged on a casual, seasonal or contract employment basis. Employed (in relation to Standard IP cover only) means working in any Occupation for gain or reward. Energy Super Employer means an employer who is contributing to the Fund under an arrangement with the Trustee. Illness (in relation to Death & TPD cover and Extended IP cover) means a sickness, disease or medical disorder. Illness (in relation to Standard IP cover only) means a state of being ill which results in a period of disability while the policy is in force and which continues for a period of not less than the Waiting Period and does not include an Injury. Income (in relation to Standard IP cover only) Employee: means the amount earned through your personal exertion from your usual employment and calculated by either: a) the annual Base Salary last agreed between you and your employer at the time of Total Disability ; or b) the average weekly income before personal deductions and income tax, and including overtime and all allowances actually paid to you during the immediate 52 weeks prior to the Injury or Illness resulting in payment of benefits covered by the policy. The annual Base Salary last agreed between you and your employer will be used to calculate income unless you elect option (b) above and provide the necessary proof of earnings. Self-employed: means where you are self-employed, a working director or a partner in a partnership, 1/52nd of the income generated by the business or practice due to your personal exertion or activities less your share of necessarily incurred business expenses, for the previous 12 months prior to the commencement of your disability. Please note: If you are self-employed but your business is running at a loss, you may not be eligible for a benefit. Injury (in relation to Standard IP cover only) means a physical injury caused by a violent, external and visible means which results in a period of disability while the policy is in force but does not include any condition which is also an Illness. Insurer means MLC Limited ABN AFSL (MLC) or any replacement insurer with whom the Trustee arranges Death & TPD, Standard IP cover and Extended IP cover. Limited Cover (in relation to Death & TPD cover only) means you are covered only for claims arising from an Illness that first became apparent, or an injury which first occurred, on or after the date that you first became eligible for cover. Medical Practitioner (in relation to Standard IP & Extended IP cover only) means a medical practitioner legally qualified and registered to practice medicine in Australia, and is a person other than you or your relatives, business partners, shareholders or employees. Where the medical practitioner is outside Australia, the medical practitioner must hold qualifications which would be recognised by the Australian Medical Association as being of consistent standard to practising medicine in Australia.

23 22 Chiropractors, physiotherapists and alternative therapy providers are not regarded as medical practitioners. Medical Practitioner (in relation to Death & TPD cover only) means a registered medical practitioner who is qualified in an appropriate specialty in the Insurer s opinion, and who is not you or your spouse, family member, business partner, employee or employer. Monthly Income (in relation to Extended IP cover only) If you re an employee : means the monthly amount you earn through personal exertion from your Usual Occupation and calculated by either: a) 1/12th of your Base Salary last agreed between you and your employer at the time of Total Disability ; or b) the average weekly income before personal deductions and income tax, including overtime and all allowances actually paid to you during the immediate 12 months prior to your Injury or Illness, resulting in payment of income protection benefits. Clause (a) will be used to calculate Monthly Income unless you elect clause (b) above and provide the necessary proof of earnings. If you are self-employed, a working director or a partner in a partnership: means 1/12th of the gross income earned or generated by the business or practice due to your personal exertion or activities, less your share of business expenses as shown in your most recent individual, partnership, company or trust tax return/assessment notice. Neurodegenerative Illness means any or all of the below: Alzheimer s disease and other dementias; Parkinson s disease and related disorders; Multiple Sclerosis; Motor neurone diseases; Huntington s disease; Spinocerebellar ataxia; and Spinal muscular atrophy Occupation means if you are: employed, the employment in which you are employed; not employed, the employment you are engaged in immediately prior to not being employed; or engaged in an Occupation which is classified as home duties, your normal physical domestic household duties. Optional/Additional Cover means insurance cover you can choose to apply for if no automatic cover is received or in addition to any automatic cover received when you joined Energy Super. Partial Disability (in relation to Extended IP cover only) means when, after a period of Total Disability, you return to work but as a result of the Injury or Illness for which you were Totally Disabled, you are: unable to perform all the duties of your Usual Occupation; or restricted in the hours for which you are capable of performing your Usual Occupation; or earning less than your income prior to Total Disability. Pre-existing Condition (in relation to Standard IP cover only) means any Injury or Illness that existed prior to the commencement or recommencement of your cover that you were aware of prior to the commencement or recommencement of your cover, or of which a reasonable person in your circumstances could have been expected to have been aware. However, you will be covered for a disability arising from your pre-existing condition provided you have, upon the instruction of a legally qualified Medical Practitioner, reasonably ceased all treatment or need for medical advice for at least six consecutive months during the policy period. For members who have had continuous cover and were insured with Energy Super prior to 1 April 2014, the following additional clause will apply to the definition of Pre-Existing Condition : The Pre-Existing Condition will be covered provided you have been insured for two years continuously under the IP policy at the time of your Total Disability and have been Actively At Work for the final two (2) months of these two (2) years but only in relation to the Injury or Illness which leads to the Total Disability. Pre-existing Condition (in relation to Public Offer Members that joined on or after 30 September) means any mental or physical condition, illness or injury that in the five years prior to your Commencement Date, you: a) was aware of, or a reasonable person should have been aware of; or b) has, or should have, reasonably sought advice or treatment from a Medical Practitioner or other health professional; or c) had a medical consultation for or was prescribed medication or therapy for the condition. Public Offer member means a member who has not joined the Fund through an Energy Super Employer. Terminal Progressive Illness means any or all of the below: Cancer including cancer of the blood and the lymphatic system; Cardiomyopathy, ischaemic heart disease and stroke; Chronic obstructive and restrictive pulmonary disease; Chronic liver failure Total Disability (in relation to Standard IP cover only) means that, as a result of Injury or Illness you are: completely and continuously prevented from engaging in your Usual Occupation ; and under the regular care of and acting in accordance with the instructions or professional advice of a Medical Practitioner ; and not engaged in any occupation, paid or unpaid. Total Disability : (in relation to Extended IP cover only) means that as a result of Injury or Illness, you are: completely and continuously prevented from engaging in your usual occupation; and under the regular care of and acting in accordance with the instructions or advice of a Medical Practitioner ; and not engaged in any occupation, paid or unpaid. Usual Occupation/Employment (in relation to Standard IP cover and Extended IP cover) means the Occupation in which you were predominantly engaged immediately prior to Total Disability or if you were unemployed less than 60 days at the time of Total Disability, the Occupation in which you were predominantly engaged immediately prior to unemployment. If the period of unemployment is greater than 60 days at the time of Total Disability the usual Occupation will mean any Occupation for which you could reasonably be expected to perform based on your education, training or experience. Waiting period (in relation to Standard IP cover only) means the continuous period of time during which no benefit is payable. The Waiting Period commences from the first date you are deemed totally disabled in respect of an Injury and/or Illness by a Medical Practitioner. Waiting Period (in relation to Extended IP cover only) means the period of continuous disability commencing from the first day of your Total Disability during which no Total or Partial Disability benefits are payable. The Waiting Period starts on the date that you first get medical advice and are confirmed to have a Total Disability by a Medical Practitioner. White Collar/Professional (in relation to Death & TPD cover and Extended IP cover) means you: were engaged in an Occupation with minimal manual or very light skilled duties; and have had no exposure to unusual occupational hazards; and spend at least 90% of your working hours in an office environment. If you have technical skills or expertise that requires you to use these skills and/or judgement in a variety of tasks outside the office environment, and/or you have some exposure to unusual occupational hazards, you may still be considered for a White Collar/Professional discount.

24 ENERGY SUPER Level 10, 123 Eagle Street Brisbane QLD 4000 PO Box Brisbane Adelaide Street QLD 4000 T E info@energysuper.com.au W energysuper.com.au Issued by Electricity Supply Industry Superannuation (Qld) Ltd (ABN AFSL ) the Trustee for Energy Super (ABN ).