Insurance Guide Fact Sheet – AIA

Issued 22 February 2021®Registered trademark of AMP Limited ABN 49 079 354 519

SignatureSuper®

Contents

3Insurance by AIA Australia Limited

9Details of insurance cover

14Other insurance information

17Insurance premiums

19Understanding superannuation terms

The information in this document forms part of the product disclosure statement for SignatureSuper dated 30 September 2020(PDS). To understand how SignatureSuper works, read the PDS, fact sheets and your plan summary.

This is a fact sheet for SignatureSuper. The fact sheets and plan summary are important documents. You should read themwith theproduct disclosure statement to understand how SignatureSuper works.

Information in this documentmay change from time to time.Wemay update information which is notmaterially adverse to you andmake it available at amp.com.au/pdsupdates. A paper copy of the update can also be obtained (at no charge) by calling us (details atthe end of this document) or from your financial adviser.

The informationprovided in this document is general information only anddoes not take into account your personal financial situationor needs. You should obtain financial advice tailored to your personal circumstances.

If you would like advice on your insurance cover in this super product, contributions to your account or investment options, you cancall us on 1300 769 736. A fee will not be charged for this once-off intrafund advice. If you would like to obtain other financial advice,ongoing financial advice or other information about your account, you should speak to a financial adviser.

SignatureSuper is part of the Super Directions Fund ABN 78 421 957 449. N.M. Superannuation Proprietary Limited (NM Super) ABN31 008 428 322, AFSL No. 234654, RSE Licence No. L0002523 is the trustee and is referred to as NM Super, trustee,we or us in thisdocument.

No other company in the AMPgroup of companies or any of the investmentmanagers of the investment options or the Insurer namedin this document:

– is responsible for any statements or representations made in this document– guarantees the performance of NM Super’s obligations to members, or assumes any liability to members in connection with

this product.

Except as expressly disclosed in the PDS or a fact sheet:

– investments in the investment options aren't deposits or liabilities of NM Super, AMP Bank Limited ABN 15 081 596 009 (AMPBank), any other member of the AMP group or any of the investment managers

– no person guarantees the performance of this super product or any of the investment options, any particular rate of return orthe repayment of capital.

The trustee may enter into financial or other transactions with related bodies corporate in relation to this product. That related bodycorporate may be entitled to earn fees, profits, reimbursements or expenses or other benefits in relation to any such appointment ortransaction and to retain them for its own account.

SignatureSuper is managed and administered in accordance with the PDS, fact sheets and your plan summary. Wemay change theway SignatureSuper ismanagedandadministered at any timewith, in the case of an increase in fees, at least 30days’ notice. Otherwise,a notice will be provided before or as soon as practicable after the change occurs.

This offer is available only to persons receiving (including electronically) the PDS, plan summary and fact sheets within Australia.

Issued by NM Super, the trustee of the Super Directions Fund.

You will receive a plan summary with your welcome letter, which describes the benefits and features specific to your membershipof SignatureSuper. Some employers may have a tailored MySuper arrangement. Your plan summary will contain information onthese arrangements that are specific to your plan. It may also note that some benefits and features in the fact sheets may not applyto you. You or your family member may also request a copy by contacting the Customer Service centre on 1300 366 019.

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Insurance by AIA Australia Limited

Welcome to SignatureSuper, a product from AMP Corporate Super. It's designed to provide you with comprehensive super benefitsfor your retirement and insurance protection for you and your family’s peace of mind.

Benefits of insurance with SignatureSuper

Including insurance cover in your super account can be atax-effective way of financially protecting you and your familyshould you die or become disabled.

SignatureSuper has insurance cover designed for you as anemployeeandnegotiatedbyyouremployer (orAssociationwhereapplicable) while also offering advantages of cover for yourfamily. It means you can:

– have insurance premiums deducted from yourSignatureSuper account (if not paid for by yourSignatureSuper employer)

– apply for additional insurance cover tomeet your personalneeds

– have Interim Accident cover while you wait for anyapplications for cover to be assessed (where available foryour plan)

– view your current insurance cover online at any time bylogging in to your account at amp.com.au, and

– access your insurance on the move with the AMPmobileapp.Download this today fromtheAppleAppStore (Apple)1

or Google PlayTM Store (AndroidTM)2.

Employee members may also have the advantage of:

– corporate insurance premium rates which are generallycheaper than personal premium rates, and

– nothaving toprovideevidenceofhealth, throughautomaticacceptance limits (AAL) where eligible.

You should talk to a financial adviser to consider yourinsurance needs and the best way to meet them.

What insurance cover is available

The type and amount of insurance coverwe providewill dependon a range of factors including, for employee members, thecategory of membership you join in your employer’s plan andyour employment status.

Familymembersmay be able to apply for insurance cover underSignatureSuper, however Temporary Disability cover will not beavailable to them.

Super laws will also impact whether insurance can be offeredand kept in your account. See the Eligibility for insurance sectionfor more detail.

Your SignatureSuper employer selects what cover to offer in theplan and, where it has been agreed to with the Insurer and us,your SignatureSuper plan may offer you:

– Death cover (which may include Terminal Illness Benefit,depending on your employer plan's arrangements)

– Death and Total and Permanent Disablement (TPD) cover

– Death and Temporary Disability cover, or– Death and TPD and Temporary Disability cover.

Yourmember statements and the insurer's policy documentmayrefer to Group Salary Continuance (GSC), Salary ContinuanceInsurance (SCI), Temporary Salary Continuance (TSC) or GroupIncome Protection (GIP). For the purpose of this fact sheet wewill refer to these as Temporary Disability cover.

See the details of cover section for further information on eachtype of cover.

Please refer to your plan summary or your latestmemberstatement to confirm the insurance cover that applies to you.

What impact does insurance have on your super?

Where you have insurance cover through your super account, itis important to be aware that any insurance premiums that arefunded from your account will reduce your super balance overtime.While insurance is an importantbenefit tomanymembers,the trustee generally considers that,wherepremiums for defaultinsurance cover exceed 1% of your salary, this mayinappropriately erode your super balance. Nevertheless, youshould regularly review your insurance, including whetherinsurance costs are appropriate for you, and consider discussingyour insurance needs with a financial adviser.

You can log in to My AMP at any time to check your currentarrangements and visit amp.com.au/whyinsurance to find outmore about what insurance is right for you.

Your insurer

Where stated in your plan summary AIA Australia Limited ABN79004837861AFSLNo. 230043 (the insurer) provides insurancecover for your SignatureSuper plan.

Insurer consent

AIA Australia Limited:

– hasgivenandnotwithdrawn its consent in relation tobeingnamed in this document, and

– has not issued or caused the issue of this document.

Policy documents

The insurance cover in your SignatureSuper plan is providedunder policies of insurance issued to the trustee by the Insurer.In all cases, insurance cover for amember is subject to the termsand conditions of the insurance policies issued by the insurer.

In the event of any inconsistency between the terms andconditions of the insurance policies and this document, the PDSor yourplan summary, the termsand conditions of the insurancepolicies prevail.

1 Apple is a trademark of Apple Inc.2 Google Play and Android are trademarks of Google Inc.

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Eligibility for insurance

General eligibility

Generally you are eligible for cover as an employee member if you meet each of the following criteria:

– You meet the eligibility conditions agreed between the trustee and the insurer– You are employed by a SignatureSuper employer or are a member of the SignatureSuper plan, and– You are an Australian Resident or holder of a Visa at the time you are accepted for cover (unless otherwise agreed to in writing

by the insurer).

TemporaryDisability cover is only available to employeemembersworking for the SignatureSuper employer as apermanent employee,and where agreed to, a contractor or casual employee (see insurance definitions). This is not available to family members.

Super Law eligibility

In addition to meeting the General eligibility criteria above, under super laws, you still may not be eligible for insurance if any of thefollowing applies to you:

– you are aged under 25– since opening the account, your balance hasn't reached $6,000– your account hasn't received a contribution or rollover for 16 months

unless you meet any of the following criteria:

– you tell us you'd like default insurance (if you tell us within 120 days of joining your employer, you won't need to complete a fullapplication or provide information about your health. However, after 120 days, you will need to complete a full application andprovide information about your health.),

– your employer funds the full cost of insurance and notifies us of this, or– we've determined that you're employed in a dangerous occupation and have notified you that you'll be provided cover on this

basis.

Otherwise your insurance cover will be automatically provided once you are aged 25 or over and have an account balance of $6,000or more (provided that you also meet the other eligibility criteria outlined in this fact sheet).

Eligibility for insurance cover is determined by the insurance policy, with details provided in your plan summary.

The table below describes whether you have insurance based on some of the eligibility criteria discussed above or how you can getit. It also summarises the terms that may apply to your cover.

What you need to knowWhen your cover will commenceHow you will get yourinsurance?

What you need to do ifyou’d like insurance

Will you have insuranceautomatically applied?

New events cover willapply until you are atwork for 30 consecutivedays.

Date election made (subject toenough funds available to pay yourpremiums i.e. SG contributions orrollover received).

You will have yourdefault insurance coverapplied automatically(i).

Elect to have insurancewithin 120 days ofjoining your employer.

Insurancewon't beautomatically applied if:

you are under age 25,–– you have a balance

under $6,000, or Coverwill be subject to theterms and conditions theInsurer advises when youaccept the offer.

Date your application is accepted.You will need to applyfor insurance andanswer health andlifestyle questions.

Elect to have insurance121 days or more afterjoining your employer.

– your account hasn'treceived a contributionor rollover in 16months.

New events cover willapply until you are atwork for 30 consecutivedays.

Date you become eligible (age 25and balance over $6,000) if an SGcontribution has been receivedwithin 120 days of you becoming

Your insurance will beautomatically applied(i).

Nothing, your insurancewill be automaticallyapplied.

Insurancewill beautomatically applied if:– you are aged 25 or

older,eligible, otherwise the date an SG– you have a balance of

$6,000 or more, and contribution is received after youbecome eligible (subject to enoughfunds being available to pay yourpremiums)

– your account hasreceived a contributionor rollover in the last 16months.

(i) Subject to eligibility criteria set out in the eligibility for insurance section and if you haven’t previously told us you don’t want your insurance.

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Employee members' insurance cover

Standard insurance cover

Standard cover refers to the way Death and TPD cover amountsare calculated and usually consists of a formula. YourSignatureSuper employer has decided on the standard coverformula that applies to your membership category and this isshown in your plan summary.

The value of your standard cover is calculated:

– when you join your employer plan– at your most recent annual review– when you change your multiple of the standard cover– on your death, or– on the last day of work if you are making a TPD claim.

Default insurance cover

Where the insurer has agreed to provide default insurance coverto members of your SignatureSuper employer plan, you will beautomatically provided with default insurance cover, subject toyou meeting the necessary eligibility criteria. See the Eligibilityfor insurance section for further information.

Even though youmay not be eligible for cover from the date youjoined your employer, once you do become eligible, the defaultinsurance will be applied automatically. For example, if you areaged 25 or over and start with a nil opening super balance and8months later, you reach abalance of at least $6,000, the defaultcover will be applied automatically to your account at that8-monthmark, assuming all other eligibility criteria aremet andan SG contribution received within 120 days of that date andyou have not previously opted in to cover.

If you are not eligible to have default cover under super law butyou tell uswithin 120days of your employer start date that you'dlike insurance, we can provide cover on your account withoutyou needing to provide information about your health.

This automatic cover will be provided up to the amount of theautomatic acceptance limit (AAL). For more information, pleasesee the automatic acceptance limit (AAL) section. Where theamount of cover exceeds the AAL, acceptance by the insurer willbe required.

The default insurance cover amount is generally equal to, or amultiple of, the standard cover formula for Death and TPD andis selectedby your SignatureSuper employer. Your employermayalso offer default Temporary Disability cover. The amount ofdefault insurance cover that applies to you in your membershipcategory is shown in your plan summary.

Please note: If cover in your SignatureSuper employer planhas transferred from another insurer, then you should readthe takeover terms for insurance section.

How standard cover and default cover are calculated

ExampleJohn is an employee member of the XYZ plan. John has asalary of $50,000. The standard cover formula selected bythe SignatureSuper employer for the XYZ Plan is three timessalary. The default cover multiple selected by theSignatureSuper employer for the XYZ plan is two times thestandard cover.Standard cover = $150,000 (ie 3 x $50,000).Default cover = $300,000 (ie 2 x $150,000).John’s insurance cover will be equal to the default cover of$300,000.

Please note: The above example is an illustration only and isbased on the factors given. The example should not be takenas the actual amount of standard and default cover you willreceive.

Can I change the default cover?

Yes, you can opt out of cover altogether, or if you wish, you maydecrease your units of cover or cancel any default TPD coversimply by writing to the trustee. TPD cover cannot be greaterthan your Death cover nor can you have TPD only cover.

If you need to change your insurance cover please contact us.Contact details are provided on the back page of this fact sheet.

What happens if your salary changes?

If your insurance cover is based on your salary then updates toyour salary could changeyour cover amounts. Yourplan summarywill statewhen these updateswill take effect. Itwill occur eitheron your plan's next annual review date or at intervals betweenannual reviews. If your cover is not recalculated at intervalsbetween annual reviews then your cover will not change (evenif your salary changes) until the next annual review.

If your cover does increase when it is recalculated because of asalary increase and still remains below your plan's AAL, nounderwritingwill be required.Where your salary increase resultsin your cover exceeding your plan’s AAL then youwill be requiredto be underwritten by providing information about your healthand circumstances.

Minimum Death cover for employee members

If AIAhas agreed toprovide insurance for your planandprovidingyoumeet the insuranceeligibility requirements, you'll haveDeathcover according to thedefault arrangements for yourplan, exceptwhere these default arrangements do not meet the minimumgovernment requirements set out in the table below. If this isthe case, your Death cover will be equal to the correspondingamount in the below table depending on your age. AMP willcontinue to monitor your Death insurance to ensure your coverdoes not fall below the minimum.

This minimumwill only apply if you are an employee memberand will not apply if you have opted to cancel or reduce yourcover. Any change to the amount of your insurance cover mayalso affect your insurance premiums.

The amount of your insurance cover is shown on your insuranceconfirmation letter or your latestmember statement.

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Minimum ($)Age range

50,00020–34

35,00035–39

20,00040–44

14,00045–49

7,00050–55

Nil56 and over

Will you need to provide details of health?

If youmay not otherwise be eligible to have default cover undersuper law but you tell us within 120 days of your employer startdate that you'd like insurance, we can provide cover on youraccountwithout youneeding to provide information about yourhealth.

You will not need to provide information about your health if:

– anAALapplies to your SignatureSuper plan (ormembershipcategory)

– the total cover required does not exceed the AAL for yourplan (or membership category), and

– you meet all the eligibility conditions for obtaining AALcover.

If you do notmeet all of these conditions, youwill need to applyfor cover and provide details of your health. The insurer mayconsider your medical history, your likely future good health,your occupation, lifestyle and family history before decidingwhether to accept your application.

Depending on the evidence supplied, insurance cover may beaccepted or refused, or special limits, conditions or premiumrate loadings may be imposed.

Additional insurance cover

If your SignatureSuper plan provides Death or Death and TPDcover, you may be able to apply to increase your cover. TheSignatureSuper employer and the trustee will have agreed ifyour category in the plan allows for additional insurance cover.Check your plan summary to see if additional insurance covermay be applied for.

How much insurance cover do you need?

The level of insurance cover you need will depend on your ownpersonal circumstances andyourneeds toprovide for your familyand/or other beneficiaries. We recommend you seek financialadvice to ensure you have cover appropriate to yourcircumstances.

How do you apply for additional cover?

Where additional cover is available, simply complete theapplicable additional insurance cover form available by callingus (see contact details on the back cover). You can apply at anytime.

We will advise you in writing if you are required to provideevidence of health.

Will you need to provide details of health?

Any increases in Death or TPD insurance cover allowed underthe SignatureSuper plan rules as voluntary insurance cover willbe subject to the insurer’s acceptance following the provisionof evidence of insurability – the extent of which is at thediscretion of the insurer. The insurer reserves the right to offermodified acceptance terms or decline applications for suchvoluntary increases in cover.

Life Stages flexibility

Upon the occurrence of a life stage event, you may apply for anincrease in your Death and TPD cover without the usualrequirement of providing evidence of insurability. A life stageevent is:

– your marriage– the birth or adoption of a child– your divorce– your child attaining 12 years of age– you reach age 30, or– you entering into a mortgage.3

The ability to apply for voluntary insurance cover as a result ofa life stage event is subject to all of the following:

– youmust be atwork (see insurance definitions) on thedatethe insurer accepts the life stage application, otherwisenew events cover (see insurance definitions) will apply tothe increased portion of cover for the first 12months afterwhich you must be at work for 30 consecutive days toreceive full cover

– the life stage event must have occurred while you areinsured under the SignatureSuper plan and be in relationto you

– relevant documentary proof of the event (eg marriagecertificate, birth/adoption certificate, mortgagedocumentation)must be provided for consideration to theinsurer within 60 days of the life stage event

– the amount of cover you apply for is limited to the lesserof 25% of your existing insurance cover and $200,000

– your existing insurance cover must have been accepted onstandard terms, whether or not under automaticacceptance provisions, and you must not have previouslybeen declined for life insurance cover with the insurer orany other life insurance company

– you must be under age 60 at the time of exercising thisoption

– you must not have made a claim or be eligible to make aclaim under this policy, or any other insurance policy onyour life

– amaximumofone increase in any12monthperiodapplies,subject to a maximum of three increases under this policy

– nobenefitwill be paid in relation to any increase for suicideduring the first 13months fromthedate the insurer agreesto any increase, and

– in respect to TPD cover, no benefit will be paid in relationto any increase for a self inflicted injury during the first 13months from the date the insurer agrees to any increase.

Your plan summarywill tell you if this option applies.

3 Effecting amortgage on the purchase of a homeor increasing an existingmortgage, for the purposes of building or renovationworks, on your principal place of residencewith a registered mortgage provider.

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When will your additional cover commence?

If your application is accepted, we will write to you to confirmthe increase in cover and the premium rate that will apply. Theadditional coverwill commence fromthedate the insurer acceptsyour application. Until then, your current level of cover (if any)will apply.

Commencing cover - Automatic Acceptance Limit(AAL)

The insurer can generally provide anAAL for employeemembersup to certain limits. Please see your plan summary for any AALwhich applies.

Cover up to the AAL could be provided, without you having toprovide any health information, if all of the following criteria ismet:

– you are between the ages of 15 and 64 at date ofentry (unless otherwise agreed)

– theAAL shown in theplan summary is for an amount otherthan nil

– at least 75% of eligible employee members are insuredunder the policy

– you join the plan on the date you first meet the eligibilityrequirements (see Eligibility for insurance section)

– your default insurance cover is calculated in accordancewith the plan rules and the policy

– this is the default super fund in relation to yourSignatureSuper employer, and

– the eligibility criteria ensures there is no ability for a personto choose to have a type of cover which is not consistentwith the benefit design.

If you don't meet the above criteria, you'll be asked forinformation about your health before cover can be provided.

If your insurance is providedautomatically onbecomingeligible,new events cover (see insurance definitions) applies until youare at work for for 30 consecutive days at which point full coverwill be provided. This requirement applies to all types of coverincluding Death, TPD, Terminal Illness cover and/or TemporaryDisability. See your plan summary for further information.

Coverwill automatically change in linewith the formula for yourcategory of membership. Any automatic increases will occur upto the AAL after which underwriting will be required. For planswith less than 50 lives, any increases will be limited to amaximum of 30% in total within a given 12 month period.

What if an AAL doesn’t apply?

If your plan doesn't have an AAL, or you do not qualify for theAAL, you will need to apply for cover and provide evidence ofinsurability including details of your health and circumstances.

Depending on the evidence supplied, insurance cover may berefused or accepted subject to conditions, or accepted withspecial limits, or premium rate loadings imposed.

While youarewaiting for your application tobe assessed youmay have Interim Accident cover (see Interim Accident coversection).

When does insurance cover start and cease?

Cover (if applicable) starts from date you meet eligibilityconditions, (see eligibility for insurance section) if an SGcontribution is received within 120 days prior to this date.Otherwise cover will commence the date an SG contribution isreceived after meeting the eligibility criteria.

Your cover as an employee member stops in the plan on theearliest of the following:

– you reach the cover expiry age as set out in the insurancepolicy

– for Death and TPD cover, a Death, Terminal Illness or TPDbenefit is paid to you4

– you die– the insurance policy is terminated by the insurer– 60 days have passed since you cease to be an employee

with the SignatureSuper employer– 60 days have passed since you cease to be eligible under

the policy– 60 days after premium payments cease in respect of you– the insurer accepts or declines your application for a

continuation option– youno longermeet the conditions for continuationof cover

during leave without pay or continuation of cover duringoverseas cover

– for Australian Residents, the date they are no longerpermanently inAustralia or not eligible towork inAustralia

– you permanently depart Australia– you cancel your cover– your SignatureSuper employer or participant terminates

the plan’s cover (we will let you know if this happens)– your membership in SignatureSuper is for insurance

purposes only, your account balance is nil, yourSignatureSuper employer is paying your premiums andmember fees (subject to thewhen can we acceptcontributions section of themember guide fact sheet) andyour SignatureSuper employer stops paying the premiumsor member fees. We'll write to you giving 60 days’ noticebefore your cover stops to give you the opportunity tocontribute to youraccount (sowecancommencedeductingpremiums or member fees from your account) or arrangealternate insurance cover elsewhere

– if no contributions or rollovers havebeen received into youraccount for aperiodof 16months,weare required to cancelyour insurance, unless you have told us in writing that youwant to keep your insurance. You can make an insuranceelection online at amp.com.au/insurancecancellation

– If youhad insurancebecause your employer funded the fullcost of insurance and notified us of this, but then theemployer ceases to fully fund your insurance - if you don'tmeet Super laweligibility (e.g. youareunder age25, or havea balance below $6,000 and you have not elected to keepyour insurance), then we are required to cancel yourinsurance. You can make an election online atamp.com.au/whyinsurance

4 Where Death cover is held with TPD cover, payment of the TPD benefit will reduce your Death cover by the amount of the TPD payment. The reduced Death cover (ifany) will be frozen and subsequently payable upon your death or Terminal Illness prior to the cover expiry age and subject to the continued payment of premiums foryour reduced Death cover.

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– If youhad insurancebecause your employer funded the fullcost of insurance and notified us of this, and you then leftyour employer - if you don't meet Super law eligibility (e.g.you are under age 25, or have a balance below $6,000 andyou have not elected to keep your insurance), then we arerequired to cancel your insurance from thedate you ceasedemploymentwith that employer. You canmake an electionto keep your insurance, which will then transfer to yourpersonal division, online at amp.com.au/whyinsurance, or

– If we've determined that you're employed in a dangerousoccupation and have notified you that you'll be providedcover on this basis and you change occupation (to onewhich is not classed as dangerous) - if you are under age25, orhaveabalancebelow$6,000andyouhavenot electedto have insurance, then we are required to cancel yourinsurance. You can make an election online atamp.com.au/whyinsurance,

whichever occurs first.

The trustee or insurer may terminate the policy at any time bygiving prior written notice to the other party. Where applicable,appropriate premium adjustments will be made at the time oftermination and you will be provided with notification.

See leaving the SignatureSuper employer plan section in yourplan summary ormember guide fact sheet for details ofinsurance when you leave.

Reinstating cover cancelled due to inactivity

If your insurance is cancelled as a result of inactivity - nocontributions or rollovers being received into your account for acontinuous period of 16 months, you can generally reinstateyour coverwithout theneed for further underwriting if youapplywithin 60 days of cover being cancelled. Your cover will notresume until we confirm acceptance in writing. Contact us forfurther information.

Family members' insurance cover

If offered, family members (see general definitions) can applyfor insurance cover in a SignatureSuper employer plan at anytime (if provided for andagreedby the SignatureSuper employerand us), subject to underwriting and acceptance by the insurer.

Your plan summary details if family member insurance cover isavailable in your plan.

All terms, conditions and definitions relating to family memberinsurance cover are subject to the insurance policy for yourSignatureSuper employer plan.

If you are a family member and your application for cover isaccepted, we will write to you to confirm your cover and thepremium rate that will apply. Depending on the evidencesupplied for underwriting, your application for insurance coveror additional cover may be refused, or may be accepted subjectto conditions, or accepted with special limits, or premium rateloadings imposed.

Your cover will commence from the date the insurer acceptsyour application. As part of your application, you'll be asked toelect to have and keep insurance in your super account, even ifyoumay otherwise be ineligible for insurance under super laws.You can find out more information atamp.com.au/whyinsurance.

How to apply for Family member insurance

If offered, you can apply for insurance at the time you apply tobecome a family member of the plan or later (see yourmemberguide fact sheet).

If you are already a family member within an existing plan, youcan apply to add insurance to your family member account.ContactAMPCorporate SuperCustomer Service andwewill sendyou the relevant application form.

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Details of insurance cover

Death cover

Death cover is a lump-sum amount, paid in addition to yoursuper account balance if you die, while an insured member ofthe plan, and may include Terminal Illness benefit dependingon your employer plan's arrangement.

Maximum amount of Death cover

There is generally no set maximum for Death cover (includingTerminal Illness), but applications are subject to the insurer’sapproval before cover can commence. The maximum amountofDeath cover applicable to you is set out in yourplan summary.

What happens if you die?

Information on how you can nominate a beneficiary and howdeath benefits are paid is available in the section nominatingyour beneficiaries in themember guide fact sheet. Membersunder age 18 are not able to nominate beneficiaries andtherefore ‘no nomination’ provisions will apply.

If youdiewhile youarean insuredmemberof theSignatureSuperplan, your Death cover will be paid (in addition to your superaccount balance) as part of your death benefit.

When we are notified of your death, your account balance willbe switched intoAMPSuper Cashwhich is a low-risk investmentoption. If an insured death benefit becomes payable to us, it willalso be invested in AMP Super Cash. If a death benefit becomespayable it will consist of:

– your super account benefit, plus– the proceeds of any insurance claim paid by AIA Australia

Limited.

What is the Terminal Illness benefit and when is it paid?

The Terminal Illness benefit is an early payment of Death coverif you suffer a terminal illness (see insurance definitions).

Under superannuation law, a member who is certified by twodoctors (one who is a specialist in the field of the InsuredMember’s illness) as having a life expectancy of 24 months orless from the date of certificationwill be considered to havemeta Terminal Medical condition of release, and therefore will beable to withdraw their superannuation account balance,irrespective of their age. Where members who have met acondition of release choose towithdraw their entire full accountbalance, their superannuation account will be closed and anyinsurance cover that the member holds through that accountwill be cancelled from the date of closure.

Before closing their account, Terminally Illmembers should seekfinancial advice to ensure that they fully understand the impactthat thiswill have on their ability to claim against any insurancecover that they hold through their superannuation account. Inparticular, members should consider that where their deathcover is cancelled as a result of the closure of theirsuperannuation account, their beneficiaries will not be able toclaimagainst that insurance cover in theunfortunate event thatthe member dies. Further, members should be aware thatgenerally, Terminal Illness insurance cover is automaticallyprovided as part of Death cover (please refer to your plansummary to determine if you are entitled to Terminal Illness

cover). The amount of a Terminal Illness benefit will be limitedto the lesser of the Death cover sum insured and themaximumvalue of a Terminal Illness benefit allowed under the insurancepolicy (please refer to your plan summary for the maximumTerminal Illness benefit payable for your plan).

If Terminal Illness cover is provided, the Insurer will generallyonly pay a Terminal Illness claimwhere two doctors (one who isa specialist in the field of the Insured Member’s illness) havecertified the member as having a life expectancy of 12 monthsor less from the date of certification. This is less that the 24month certification period which is required undersuperannuation law formembers to close their superannuationaccount. As a result, while Terminally Ill members who undersuperannuation law are able to close their account 24 monthsbefore the expected date of death, they may choose to leavetheir superannuation account openwith sufficient funds to paytheir ongoing insurance premiums. By continuing to hold theirinsurance cover in their superannuation account,membersmaybe entitled to a Terminal Illness benefit payment once their lifeexpectancy is 12 months or less. Further, if any residual DeathCover remains after the Terminal Illness benefit is paid, themember’s beneficiaries may be entitled to a Death Benefitpayment at the date of death.

Your Death and TPD cover (where applicable) will be reduced bythe amount of any benefit paid.

The benefit amount paid to you will be calculated on the dateyou are last certified as suffering from a terminal illness.

If your Death cover commenced prior to 1 July 2014 and youhave continuously held Death cover since, you should notethat the trustee can only pay the Terminal Illness benefit inaccordancewith the super rules. These rulesmean theremaybe some instances where the trustee will not be able to paya Terminal Illness benefit directly to you. The insurer will payit to your super account if you do not satisfy a terminalmedical condition of release (see accessing your super in themember guide fact sheet).

Total and Permanent Disablement (TPD) cover

TPD cover is a lump sum amount paid if you become totally andpermanently disabled (see insurance definitions) while you areinsured for TPDwith your SignatureSuper plan. It is only availablewith Death cover, and cannot be for an amount greater thanDeath cover.

Generally, the definition of TPD referred to in this fact sheet willapply. Sometimes another definition of TPDmayapply. Yourplansummarywill advise if another TPD definition applies to you.

Where TPDcover is offered to familymembers the cover amountwill automatically reduce from the your 61st birthday to be nilat the cover expiry age.

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For employee members, in most cases the TPD insurancearrangement for your planwill automaticallymake your TPDcover reduce as you get older. But if this is not the case (eg ifyour TPD cover is defined as a fixed dollar amount or a fixedmultiple of salary), your TPD cover is generally reduced by apercentage each year from your 61st birthday or from theretirement age for your category of membership. This alsoapplies to voluntary cover. Details will be described in yourplan summary.

Maximum amount of TPD cover

TPD cover is limited to the lesser of your level of Death cover andthe maximum cover limit. The maximum cover limit applicableto you is set out in your plan summary.

What happens if you become Totally and PermanentlyDisabled?

If you have TPD cover, you become totally and permanentlydisabled, and the insurer accepts your claim, the insurer will paya lump sum amount to your SignatureSuper account.

If a TPD benefit is payable:

– The insurerwill pay it to your account if youqualify as beingtotally and permanently disabled.

– Your Death coverwill be reduced by the amount of the TPDbenefit made. The reduced Death cover (if any) will befrozen and subsequently payable upon your death prior tothe cover expiry age and subject to continued payment ofpremiums.

If you are a defined benefit member, your TPD cover may formpart of an overall formula benefit.

Exclusions for Death and TPD

No benefits are payable under Death and TPD cover (or DeathOnly,where applicable),which is causedwholly or partly, directlyor indirectly by any of the following:

– War– Active service in the armed forces of any country, territory,

foreign or international organisation 1

– Participation in a combat or fighting force of any country,territory or foreign organisation (if applicable)

– Engagement in (including planning or preparing for) anyterrorism act in Australia or any foreign country (ifapplicable)

– In the case of Voluntary Death cover, increase orreinstatement of Voluntary Death cover, death by suicidewithin 13 months of commencing any Voluntary cover,increase in Voluntary cover or reinstatement of any cover

– In the case of Voluntary TPD cover, increase orreinstatement of cover (including Terminal Illness), anydeliberate self-inflicted injury/sicknessor attempted suicideor self-destruction while either sane or insane within 13months of commencing any Voluntary cover, increase inVoluntary cover or reinstatement of any cover, or

– Any other exclusions imposed by the Insurer on you.

Temporary Disability cover

Temporary Disability cover is an income replacement amountpaid to youmonthly if youmeet the definition of total disabilityor partial disability (see insurance definitions) while insured forTemporary Disability with your SignatureSuper employer plan.Thedefinitionof total disability varies dependingon thenumberof hours you work per week.

Your SignatureSuper employer has selectedwhether TemporaryDisability cover applies to your membership category. IfTemporary Disability cover applies to you, your SignatureSuperemployer has also selected:

– the percentage of your income payable as TemporaryDisability cover

– the waiting period, and– the benefit period.

See your plan summary for any details of Temporary Disabilitythat may apply to you.

Your benefit period

A benefit period is the maximum length of time for whichmonthly benefits will be paid for any one period of being totallydisabled, or if applicable, any one period of being partiallydisabled.

SignatureSuper offers a benefit period of either:

– up to two years– up to five years, or– up to age 65.

If you are a contractor employed on aminimum contract periodof 12 months or less or are a casual and are covered under thisplan, the benefit period will be limited to two years and yourpre-disability income (see insurance definitions) from theemployer will be measured over the three months immediatelyprior to the date of disability.

Your waiting period

Awaiting period is the number of continuous days, whichmustelapse beforemonthly benefits that will be paid to you begin toaccrue.

SignatureSuper offerswaiting periods of either 30, 60, or 90days(refer to your plan summary for more detail on the waitingperiod).

The waiting period commences from the later of the following:

– the date you are first examined and certified by a medicalpractitioner as totally disabled in relation to an injury orsickness, and

– the date you ceased work due to that injury or sickness.

If you consult amedical practitionerwithin sevendays of ceasingwork due to the injury or sickness, the waiting period willcommence from the date you ceased work.

1 In the case of your enrolment on the Australian Army Reserve, this exclusion is only applicable where you are called up for active service.

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what will the insurer pay?

Weuse the salaryadvisedby your employer at theannual reviewimmediately prior to the date you ceasedwork to calculate yourinsured level of income.

Temporary Disability cover provides a percentage of yourpre-disability incomeup toamaximumof75% for theapplicablebenefit payment period should you become unable to workbecause of illness or injury (see insurance definitions). Themonthly amountwe paywill not exceed the amount the Insurerhave agreed to insure you for.

Where applicable, it will be limited to the AAL, accepted level ofcover or forward underwriting limit (see insurance definitions),less any benefit offsets.

The insurer will pay a total or partial disability benefit from theend of the waiting period until the earliest of the followingevents:

– the date you reach the cover expiry age– the date you die– the expiry of the benefit period, or two years if you are a

casual or contractorwith aminimumcontract period of 12months or less

– the date you no longer satisfy the total disability or partialdisability definitions

– the date you, if not an Australian Resident, are no longerpermanently inAustralia, or not eligible towork inAustralia,and

– the date you have permanently departed Australia.

Partial disability

The insurermaypay youaportionof yourmonthly benefitwhereyou have met the conditions of partial disability. This includesthe condition that you are first totally disabled for at least 7 outof 12 consecutive days during theWaiting Period.

The amount is calculated in accordance with the followingformula:

(A - B) x C

A

Where:

A = your pre-disability income (see insurance definitions)(monthly).

B = The incomeearned fromyourusual or alternative occupationduring the period of Partial Disability. If you take annual leaveor long service leave during the period of Partial Disability, thiswill include the income you would have earned had you nottaken such leave.

C = themonthly benefit that would otherwise be payable if youhad suffered Total Disability.

No benefit is accrued or payable until the expiry of the waitingperiod.

Maximum amount of Temporary Disability cover

Temporary Disability cover is limited to an overall maximumamount which is generally a $30,000 monthly benefit.

This amount is determined as up to 75% of the first $480,000 ofannual income. This amount is inclusive of any superannuationcontribution benefit if applicable.

Where the monthly benefit is payable on or after your 65thbirthday, the monthly benefit will generally be limited to thelesser of up to 75%of yourpre-disability income (plus SCBenefitif applicable), your sum insured and $10,000 per month.

If there are any variations to themaximum insured amount thiswill be detailed in your plan summary.

Claims escalation benefit

This is an optional benefit that can be selected by theSignatureSuper employer. Your plan summarywill confirm ifthis benefit applies to you and the details.

The claims escalation benefit means, where applicable, that inthe event of a claim, your monthly benefit paid to you will beindexedby the lesser of CPI and5%annually each year. Escalationwill apply following 12 continuous payments of disabilitybenefits, measured from the date which benefits firstcommenced and each subsequent 12months that you are paida benefit.The claims escalation benefit does not apply to the 2yearbenefit period, unlessotherwise stated in theplan summary.

Recurrent disability

Where you make a subsequent claim arising from the same orrelated cause as an earlier claim, the subsequent claim will be:

– treated as a separate claim (ie the waiting period willrecommence and benefit period will be treated as thoughno previous claim had been submitted) if it occurred afteryou returned to full-time paid employment and anypayment of Temporary Disability benefits have ceased forat least 12 months, provided cover has not ceased underthe policy, or

– deemed to be a continuation of the original claim if madewithin 12 months from the ceasing of payments from theearlier claim. A further waiting period will not apply in thiscase and the benefit period will be adjusted to take intoaccount prior claim payments.

Concurrent disability

Where you are totally disabled because of more than one injuryor sickness, or from both, whether related or not, only onemonthly benefit will be payable for any one period ofdisablement.

Return to work during the waiting period

You are permitted to return towork once, performing your usualduties for up to:

– ten consecutive days during the waiting period, where thewaiting period is 60 days or more, or

– five consecutive days during thewaiting period, where thewaiting period is less than 60 days.

Where you return to work during the waiting period for up tofive or ten consecutive days (as applicable), the waiting periodwill be extendedby the total numberof days youhaveattemptedto return to work.

Where you return to work during the waiting period for morethan five or ten consecutive days (as applicable), the waitingperiod starts again.

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Superannuation Contribution (SC) benefit

The Superannuation Contribution (SC) cover is an optionalfeature that your SignatureSuper employer can provide underyour plan andwhere this is the case it will be stated in your plansummary.

Under the SC benefit, you will be provided with a benefit, in theevent of Total Disability or partial disability, to cover compulsoryemployer super contributions. The SC benefit must be paiddirectly to a complying super fund and will also be subject toany conditions of releaseunder super law. TheSCbenefit cannotbe paid to superannuation funds outside of Australia.

Themaximumamountof the SCbenefit paid to you for disabilityis determinedby applying the SCbenefit percentage (up to 15%)stated in the plan summary to the lesser of:

– your pre-disability income, and– themaximum super contribution base (see general

definitions) for the applicable income year.

In the case of partial disability, a proportional SC benefit will bepaid.

The SC benefit will be reduced, and in some circumstances maybe reduced to nil, where the total benefit payable would exceedthe maximummonthly benefit.

Exclusions for Temporary Disability cover

No benefits are payable for Temporary Disability cover which iscaused wholly or partly, directly or indirectly by:

– War– Active service in the armed forces of any country, territory,

foreign or international organisation2

– Participation in a combat or fighting force of any country,territory or foreign organization (if applicable)

– Engagement in (including planning or preparing for) anyterrorism act in Australia or any foreign country (ifapplicable)

– Any deliberate self-inflicted injury/sickness or attemptedsuicide or self-destruction while either sane or insane

– Uncomplicated pregnancy, childbirth or miscarriage, or– Any other exclusions imposed by the Insurer.

Death while on claim

If you die while in receipt of a Temporary Disability benefit, theinsurer will pay a lump sum amount equal to three times yourmonthly benefit applicable at the date of death.

Themonthly benefit used to calculate this benefitwill be limitedto a maximum of $30,000 per month or $10,000 per month onor after your 65th birthday.

Rehabilitation expenses

Where you attend a Rehabilitation Programwhich incorporatesa return to work plan approved by the insurer, the cost of thatRehabilitationProgramwill bepaidby the insurer to theprogramprovider.

Rehabilitation expenses will relate to Rehabilitation Programsapprovedby the insurer designed to rehabilitate you to facilitateyour return to your pre-disablement occupation or retrain youinto another occupation.

Workplace modification expenses

TheWorkplaceModificationbenefit is payable if youare receivingtotal or partial disability benefits and the insurer agrees thatyour place of employment requiresmodification in order for youto return to work, the insurer may pay all or some of themodification expenses to a service provider. The maximumpayment is three times yourmonthly benefit, and anypaymentswill be made at the insurer’s discretion. A payment under thisbenefit may be made once only to you.

Benefit Offsets

The monthly benefit payable will be reduced by any amountwhich is paid, or required to be paid under:

– Workers’ Compensation, Motor Accident Compensation,Social Security or similar legislation in relation to your injuryor sickness

– any statutory or other government payments for loss ofincome in relation to your injury or sickness

– paid parental leavewhere you continue to suffer a disabilityduring a period of paid parental leave (where agreed towith the insurer), and

– anydisability, injury or sickness insurance type policy (otherthana lumpsumTPDbenefit receivedunder any insurancepolicy).

Where a Disability benefit is payable, your monthly benefit willalso reducebyany remunerationcomponentused indeterminingyour sum insuredpaid to you fromanemployerwhile beingpaida monthly benefit.

The monthly benefit will not however be reduced by incomeearned from investments, annual leave, long service leave or anytermination (redundancy) payments.

Sick leave will not be considered to be an offset except in thecase where a SignatureSuper employer provides you unlimitedsick leave as part of their employment arrangements.

If anyof theabovepayments arepaid in the formof a commutedlump sum, the insurer will convert these to an equivalentmonthly payment deemed to be 1/60th of the lump sumpayment and offset benefit entitlements by this equivalentmonthly benefit for a period of 60 months from the date of thelump sum payment.

2 In the case of your enrolment on the Australian Army Reserve, this exclusion is only applicable where you are called up for active service.

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Interim Accident cover

The insurerwill provide InterimAccident cover to youwhile yourapplication for Death cover, TPD cover or Temporary Disabilitycover, as applicable, or an increase in cover is being considered.

For employee members onlywho qualify for automaticacceptance and your default insurance cover exceeds your Plan’sAAL, you will need to apply for that part of your cover. Whileyour application is beingassessed, the insurerwill provide InterimAccident cover for that part of the coverwhich exceeds your AAL.

When does cover start and stop?

The Interim Accident cover period will start when the insurerreceives an application for the applicable cover.

The Interim Accident cover period will end on the earliest of:

– the insurer either accepting or rejecting your applicationfor cover or increase in cover, as the case may be

– you either cancel or withdraw your application– the number of days set out in the plan summary after the

start of the Interim Accident cover period, or– the type of cover being applied for would have otherwise

ceased under the policy.

When will an Interim Accident benefit be paid?

A benefit will be paid in the event of accidental injury (seeinsurance definitions) resulting in death, total and permanentdisablement and/or temporary disability which occurs duringthe Interim Accident cover period, subject to acceptance of yourclaim by the insurer.

The maximum benefit period for Interim Accidental cover willbe the benefit period as described in the plan summary.

Are there any exclusions?

The benefit will not be payable if, during the Interim Accidentcover period, death or disability is caused directly or indirectlyby:

– engaging in any sport or pastime that the insurer wouldnot normally cover at standard rates or terms, and

– other exclusions under the policy.

How much Interim Accident cover will the Insurer pay?

The maximum amount payable will be the lesser of:

– the amount of cover applied for, or– a limit of:

– $2,000,000 for Death and $1,500,000 for TPD cover,or

– $15,000 per month for Temporary Disability cover.

If there are any variations to themaximumamount payable thiswill be detailed in your plan summary.

13

Other insurance information

Insurance and Choice of Fund

If Choice of Fund applies to you, you should consider yourinsurance arrangements carefully before choosing to directSuperannuation Guarantee (SG) contributions away fromSignatureSuper to another fund. SignatureSuper, with groupinsurance arrangements, may provide more advantages for youthan you could obtain throughapersonal insurancepolicy. Theseinclude thepossibility of lower premiumrates and thepossibilityto obtain insurance cover without having to provide medicalevidence.

It is important tonote that your insurance cover couldbeaffectedif you make a choice. If the amount of your insurance cover isaffected by your account balance and you decide to direct yourfuture SG contributions away from SignatureSuper to anotherfund the terms and conditions of your insurance arrangementsunder SignatureSuper may change. If this is the case, we willwrite to you to inform you of any changes to your insurancearrangements.

You should talk to your financial adviser before making anydecisions that could affect your insurance cover.

Takeover terms

Takeover terms for insurance may apply when your plancommences in SignatureSuper and the insurer agrees to takeover the coverpreviouslyprovided to your former superannuationarrangement by another insurer. The insurerwill accept takeoverterms if it receives and accepts all required information.

For transferring members, your Death cover in the plan willcommence on the date your SignatureSuper plan commences.

Your TPD or Temporary Disability (if it applies) cover in the planwill also commence on the date your SignatureSuper plancommences if you were:

– at work actively performing all the duties and work hoursof your usual occupation with your SignatureSuperemployer on your last normal working day immediatelybefore the date your SignatureSuper plan commenced, or

– on approved leave for reasons other than illness or injuryon your last normal working day immediately before thedate your SignatureSuper plan commenced and you were:– at work actively performing all the duties and work

hours of your usual occupation with yourSignatureSuper employer on the day before your firstday of leave, and

– not disabled due to an event (eg illness or injury)occurring before the date your SignatureSuper plancommenced while on paid or unpaid leave.

Otherwise, your TPD or Temporary Disability cover in the planwill commence on the date your SignatureSuper plancommenced but will only be new events cover (see insurancedefinitions).

Full TPDor TemporaryDisability cover in theplanwill commenceonce you are atwork actively performing all the duties andworkhours of your usual occupation with your SignatureSuperemployer on or after the date your SignatureSuper plancommenced.

For transferring family members, if the above takeover termsare provided for a group of family members who already havecover within a corporate superannuation fund, it will be agreedamong the insurer, trustee and SignatureSuper employer.

These terms for commencement of insurance cover are inaccordance with the industry standard, referred to as theFinancial Services Council Guidance Note No. 11.00 GroupInsurance Takeover Terms. A full copy of this document isavailable from our customer service area (contact details are onthe back cover).

Leave without pay

WhereyourSignatureSuperemployerapprovesabona fideperiodof leave without pay (including maternity or paternity leave),and there is a documented return to work date prior to leavewithout pay commencing, your cover will continue for amaximum 24months provided premiums continue to be paid.

If you do not return towork by the expected return towork date,your insurance cover will automatically cease 30 days after theexpected return toworkdate, andany subsequent reinstatementwill require the provision of evidence of insurability. The insurerwill determine the level of underwriting required based onindividual circumstances. If you return toworkwithin the30dayperiod, coverwill continueautomatically subject to the continuedpayment of premiums.

Youmay apply to the insurer to extend cover beyond 24monthsand cover may be granted at the discretion of the insurer.

Formembers that either die or suffer a disability during a periodof leave without pay, your Temporary Disability cover will bebased on the level of pre-disability income at the dateimmediatelyprior to thecommencementof leaveandyourDeathand TPD cover will be based on the level of cover immediatelyprior to the commencement of leave without pay. If applicable,thewaiting periodwill commence from the documented returnto work date, subject to you continuing to meet the applicabledefinition of TPD, total or partial disability (as applicable) at thereturn to work date.

The TPD or total disability definition used to assess your claimwill be that which would have applied to you on the dateimmediately prior to the commencement of leave without pay.

Insurance whilst working or travelling overseas

If you are an Australian Resident and temporarily employedoverseas for your employer, you will be provided cover for up tofive years. The details regarding yourwhereaboutswhile you areoverseas must be provided to the insurer when requested andin line with the provision of membership data.

If you are not an Australian Resident and temporarily employedoverseas for your employer, youmay be provided cover for up tothree months.

If you are travelling or holidaying outside of Australia, your coverwill continue without restriction.

In the event of a claim, youmaybe required to return toAustralia(at your own expense) during the claims assessment process.

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Continuation option (if applicable)

If you cease to be eligible for cover under the SignatureSuperemployer plan as a result of ceasing to be an employee of theemployer – for reasons other than for injury or sickness – youwill be entitled to apply for an individualDeathonly policy, Deathand TPD policy or Income Protection policy with the Insurerusually without the requirement to provide medical evidence.If your cover has ceased due to the policy being terminated bythe employer or by the Insurer, they will not be eligible to applyfor a Continuation Option.

Your plan summarywill tell you if this applies to you.

Amount of Cover

The amount of cover you will be entitled to is the sum insuredwhich applied to you under the plan, on the date immediatelyprior to your cover ceasing.

Such cover will be subject to the same premium loadings andexclusions as those imposed under the plan and the terms andconditions (with the exception of minimum hours) applying tothe Insurer's individual policies at that time.

The individual Income Protection policy will be:

– annually renewable– the sum insured will be the lesser of 75% of your new

monthly income with your new employer and the suminsured at the date of termination of employment withyour employer

– indemnity based which means that at claims stage, theamount payable will be the lesser of the sum insured and75% of the average monthly earnings for the 12 monthsimmediately prior to the disability, and

– the policy provided will be the Insurer's individual IncomeProtection product, applicable at the time a continuationoption is issued.

– Where the equivalentwaiting period is not available underthe individual IncomeProtectionplan, thenusually thenexthigher waiting period will be applied.

– All PLUS Optional Benefits under AIA Australia’s individualIncome Protection product will be available providing youhad Trauma benefits under the existing TemporaryDisability cover.

– Where the equivalent benefit period is not available underthe individual Income Protection plan, then the nextshortest benefit period will be applied.

Conditions and how to apply?

A person applying for a continuation option may be required tocomplete a group insurance continuation application form(available upon request). The continuation option application isthen subject to the Insurer's underwriting approval whichincludes the following:

– The continuationoptionmust be applied forwithin 60daysof leaving the service of the employer with no individualconsiderationmade for application received after this date

– The Insurer must receive a satisfactory Australian citizenor residency and smoker declaration

– Theperson is agedunder65 forDeath cover andagedunder60 for Death and TPD cover and Temporary Disability cover

– The person must satisfy the eligibility criteria and termsunder the Insurer's Individual Death only or Death & TPDor Income Protection policy

– The person is not eligible to receive, or must have notpreviously been paid a benefit payment(s) under the

SignatureSuper Employer plan, or under any life insurancepolicy (including TPD or Terminal Illness benefits), orsubmitted a claim for benefits under any Terminal Illnessand/or TPD Policy

– For TPD and Temporary Disability cover, the person beingemployed on a permanent basis for at least 15 hours perweek, in anoccupationacceptable to the Insurer at the timecover is to commence under the Insurer's individual policy.Casuals and contractors who are moving to permanentemployment in their new role for at least 15hours perweekare also eligible to exercise a continuation option, and

– Whereagreedwith the insurer, thepersonwasatwork (seeinsurance definitions) performing their full and normalduties on the date of ceasing to be an employee of theemployer.

Temporary Disability agreed value continuation option

The insurer also allowsaperson to exercise a continuationoptionand apply for cover based on an agreed value benefit whichmeans at claim stage the amount payablewill be the applicablesum insured.

In addition to the conditions set out above, the followingconditions will apply:

– available to persons who are permanent employees only.Self-employed (sole trader, partnership, contractor oremployee of their own company) are excluded

– permanent employees must remain working and residingin Australia with their new employer

– the person must be working a minimum of 25 hours perweek, 35 weeks of the year

– present occupation details and income details will need tobe provided

– confirmation of income (salary, superannuation, fringebenefits) from the new employer, and

– additional financial requirements will be needed wherecover under the individual policy exceeds $20,000 permonth.

How to make a claim

As soon as you (or your representative) become aware of apotential claim, you (or your representative) should tell us assoon as reasonably possible. Once notified of a claim, we willprovide the necessary claim forms.

The insurer maintains the right to fully investigate and assessany claims to its satisfaction prior to the settlement of a claim.Any payment of benefits is subject to acceptance of your claimby the insurer.

In respect of TPDandTemporaryDisability claims that arisewhileyou are overseas, the insurer reserves the right to requireassessment or any medical examination to be conducted inAustralia as part of its consideration of your claim. You will beresponsible to pay any costs associated with you returning toAustralia for the claim assessment.

Please note: Time limits apply to certain complaints to theAustralian Financial Complaints Authority If you have acomplaint you should contact them immediately to find outif a time limit applies. See enquiries and complaints processin themember guide fact sheet for further details.

15

Insurance Contracts Act

The Insurance Contracts Act 1984 requires an insurer to clearlyadvise an insured of their duty of disclosure before entering intoan insurance contract and the consequences of anynon-disclosure.

Duty of Disclosure

Before you become covered by the Insurer, you need to discloseto the Insurer anything that you know, or could reasonably beexpected to know, may affect the Insurer’s decision to insureyou and on what terms. You have this duty until we agree toinsure you. You also need to do so before you extend, vary orreinstate your insurance cover.

You owe the Insurer a statutory duty of disclosure under theInsurance Contracts Act 1984 (Cth). If you fail to disclose thesethings to the Insurer, this may be treated as a failure to complywith this statutory duty. The Insurer may then have the rightsdescribed below in the “If you do not tell the Insurer something”section.

You do not need to tell the insurer anything that:

– reduces the risk the insurer insures you for– is common knowledge– the insurer knows or should know as an insurer, or– the insurer waives your duty to tell it about.

If you do not tell the insurer something

The Insurer has anumber of rights in the event of non-disclosure.In exercising these rights, the Insurer may consider whetherdifferent types of cover can constitute separate contracts of lifeinsurance. If they do, the Insurer may apply the following rightsseparately to each type of cover. The rights are as follows:

– If you do not tell the insurer something that you know, orcould reasonably be expected to know, thatmay affect ourdecision to provide the insurance and on what terms, thismay be treated as a failure by the person entering into thecontract to tell us something that he or she must tell us.

– If you do not tell the Insurer anything you are required to,and the Insurer would not have provided the insurance ifyou had told them, the Insurer may avoid the contractwithin 3 years of entering into it.

– If the Insurer chooses not to avoid the contract, the Insurermay, at any time, reduce theamountof insuranceprovided.This would be worked out using a formula that takes intoaccount the premium that would have been payable if youhad told the Insurer everything you should have. However,if the contract provides cover on death or has a surrendervalue, the Insurermayonly exercise this rightwithin 3 yearsof entering into the contract.

– If the Insurer chooses not to avoid the contract or reducethe amount of insurance provided, the Insurer may, at anytime vary the contract in a way that places the Insurer inthe same position they would have been in if you had toldthe Insurer everything you should have. However, this rightdoes not apply if the contract provides cover on death orhas a surrender value.

– If the failure to tell the Insurer is fraudulent, the Insurermay refuse to pay a claim and treat the contract as if itnever existed.

Disclosure and representations by employers and members

The trustee relies on the information provided by you and theSignatureSuper employer. If the insurer refuses to pay an insuredbenefit to the trustee as a result of non-disclosure ormisrepresentation, the trustee will not pay the insured benefitto the member.

Automatic cover

The employer should tell us if they are aware of anythingaffecting their employees as a group (other than the informationabout their ages, occupations and claims experience that youhave already given us) that is relevant to the insurer’s decisionwhether to accept the risk of the insurance and, if so, on whatterms.

The employer does not need to tell us about the health ofindividual employees. If employees do not qualify for automaticacceptance or their cover exceeds the AAL, we will adviseemployees of their duty of disclosure when we collectinformation about their health from them.

Privacy

Your privacy is also important to the Insurer. Personal andsensitive information provided will be handled in the mannerdescribed in the insurer's Privacy Policy as updated from time totime, accessible by visiting the insurer’s website athttp://www.aia.com.au, or by contacting the Insurer on 1800333 613 to request a copy. The insurer handles and collectspersonal and sensitive information for purposes which includethe administration of your policy or claim, the provision ofproducts and services, their business operations and otherpurposes set out in their Privacy Policy. By providing informationto us, the insurer or your adviser (and the licensed dealer orbroker they represent), or any other representative orintermediary, or by continuing your relationship and otherwiseinteracting with the insurer, you confirm that you have beennotified of the matters and consent to the collection, use,disclosure and handling of personal and sensitive informationas described in the insurer's Privacy Policy as updated from timeto time on the insurer’s website. Where you provide the insurerwith personal and sensitive information about someone else,youmusthave that person’s consent toprovide their informationto the insurer in the manner described in the insurer's PrivacyPolicy.

16

Insurance premiums

Low cost premiums

For employee members, the insurer’s group premiums providecover for members at a cost that is generally lower than if theyarranged the same cover under a personal insurance policy.

Your insurance premiummay be calculated annually at yourplan’s annual review or at the end of eachmonth. It may also berecalculated when the amount of your insurance cover changes(e.g following a salary increase). Your plan summary has furtherdetails.

The cost of your cover depends on the amount and type of cover,your age, gender, occupation and the premium rates applyingto your category within the plan.

Where youhave to provide details of your health to obtain cover,eg if you apply for additional cover, the premiumsdeducted fromyour account may also depend on your health at the time youapplied and were accepted for cover.

Waiver of premium

While Temporary Disability benefits are being paid in respect ofyour disability under Temporary Disability cover, the insurer willnot charge any TemporaryDisability premiumfor you. Premiumswill still be payable for any other insurance cover you may haveunder the SignatureSuper plan.

As soon as the Temporary Disability benefit stops for you,Temporary Disability premiums will start being charged againfor your insurance cover, unless the policy has ceased.

How are your premiums paid?

We deduct premiums from your account at the end of everymonth (unless you are an employee member and theSignatureSuper employer has agreed to pay your premiums).Premiumsare payable fromwhen your cover starts until it stops.To pay for your cover we will deduct your insurance premium inthe following order:

– first, from anymonies held in Choice investment option(s),excluding any amount held in term deposits, and

– if there is insufficientmoney inChoice investmentoption(s),or if your only investment is in the MySuper investmentoption, we will then deduct from theMySuper investmentoption.

If your SignatureSuper employerhasagreed topayyour insurancepremiums by making additional contributions and notifies usof this, but then they stop paying your insurance premiums:

– if you're eligible to have insurance - we'll change yourcategory ofmembership anddeduct anyunpaidpremiumsand all future premiums from your account. We'll confirmthis changewithan interimstatement. If there isn’t enoughmoney in your account topay for your premiums, your coverwill stop. We'll write to you, giving you 60 days’ noticebefore this happens.

– if you're not eligible to have insurance (e.g. you have notreached $6,000 in your account or you're under age 25; seemore in the Super law eligibility section)- we may berequired to cancel your insurance back to the last time thatyour employer paid your insurance premiums and notifiesus of this. However, you will have 30 days fromwhen wenotify you of this change, for you to tell us if you want tokeep your insurance - if you do this, your insurance coverwill continue and you'll be paying for the premiums fromyour super account, including any outstanding premiums.

You can tell us you’d like to keep your insurance at anytime: amp.com.au/keepmyinsurance.If youdecide to keep your insurance, the insurancepremiums(including any outstanding premiums) will be paid via yoursuper account. This will be the case if:– you leave your employer– your employer doesn’t pay on time, or– your employer doesn't notify us that they are paying

your premiums.

If there isn’t enough money in your account to pay for yourpremiums, your cover will stop. We will write to you giving 60days' notice before this happens.

Will your premiums change?

We recalculate your premiums when we complete yourSignatureSuper plan’s annual review. Premium rates are basedon your age and generally increase as you get older.

The premium rates for all employee members of yourSignatureSuper plan will be reviewed at your plan’s annualreview, to reflect the profile of the insured members in yourSignatureSuper plan and your Plan’s claims experience.

The Insurer has the right to vary premium rates in the future.Whenwe increase your premiums, at least a 30 days’ notice willbe given to you.Whenwedecrease premiumswewill notify younomore than 90 days after the change. Generally, the new rateswill apply from your plan’s next annual review.

If youmakea change to your cover, suchas increasing yourDeathcover, your premiumwill be adjusted to reflect this change. Yournew premiumwill apply from the date that the Insurer acceptsthe proposed changes to your cover.

If there is an invasion or war in which Australia, New Zealand oryour country of residence is involved, the Insurer may changethe premium rates. If your SignatureSuper employer engages inbusiness activity (such as mergers or acquisitions) that resultsin unusual changes in the number of members insured in theplan, the Insurer may change the premiums rates. We will tellyou if this happens. Unless the increased premium is paid, theinsurer may not pay any claims that are directly or indirectlycaused by the war or invasion.

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Government duties

In addition to thepremiums for any insurance cover, governmentstamp duty or a similar tax may also be payable.

Stamp duty is either incorporated into the base premium ratesor is an additional charge.

Any additional stamp duty on insurance premiums will be:

– deducted fromyouraccountwhenyour insurancepremiumis deducted, or

– paid by your employer if your employer is paying yourinsurance premium.

Yourmember statementwill showtheamountof anyadditionalstamp duty (if applicable) or tax deducted.

If a state or territory government stamp duty or tax applies toyou, it will be based on the state or territory we record as youraddress.

As stamp duty and tax differ between states/territories, it'simportant that you inform us of any changes to your address.

Additional stamp duty charges currently vary between 1% and11% of the cost of premiums, depending on the insurancebenefits and the state or territory we record as your address.Additional stamp duty charges can change without notice (upanddown), as governments introduceanewstampdutyor revisean existing one or as we change our address records.

AMPmay also change the way we recover stamp duty, fromincorporating it into the base premium rates to making it anadditional charge.

How premiums are calculated for Employee members

Your insurance premiummay be calculated annually at yourSignatureSuper employer plan’s annual review or at any timethere is a substantial change in membership of yourSignatureSuper employer plan, to reflect the profile of insuredmembers in your plan. It may also be recalculated when theamount of your insurance cover changes (eg following a salaryincrease).

The premium rates for your plan may depend on many factorsincluding:

– your plan's or category’s occupation mix– your plan's or category’s gender mix– your plan's or category’s age profile– the number of insured members in your plan– your plan’s past claims experience– stamp duty (see government duties), and– whether you have selected additional insurance.

Your individual premium ratesmay depend on factors includingsalary, age, gender and occupation. Where you have to provideevidence of insurability such as details of your health to obtaincover (eg if you apply for additional cover) the premiumsdeducted from your account may also depend on this evidencethat you provided at the time you applied andwere accepted forcover.

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Understanding superannuation terms

General definitions

MeaningDefined term

A record of your individual superannuation holding in your SignatureSuper plan.Account or SignatureSuper account

Either an incorporated association or other legal entity.Association

Child in relation to a person includes an adopted child, a stepchild or an ex-nuptial child of the person.Child

A de facto spouse is a person of the opposite or same sexwho, although not legallymarried to the person, liveswith the person on a genuine domestic basis as a couple.

De facto spouse

A dependant includes:Dependant– Your spouse.– Your child.– Any person with whom you have an interdependency relationship (see below).– A person must be a dependant on the date of your death to be considered a dependant.

Employee of a SignatureSuper employer.Employee

An employeewho has been nominated by a SignatureSuper employer formembership and has been admittedby the trustee to membership of the fund.

Employee member

Includes both a SignatureSuper employer and an Other employer.Employer

Insurance cover provided to a family member who has applied and been accepted by the insurer for eitherDeath Only insurance cover or Death and TPD insurance cover.

Family member insurance

Apersonwho is at least 13 years of age andwhohas an existing family relationshipwith an Employeememberor former Employee member.

Family member

A person is in a family relationship with an Employee member if that person is:Family relationship– The Employee member’s spouse (including a de facto spouse), child(i), parent, sibling, grandparent,

stepchild, father/mother-in-law, brother/sister-in-law, son/daughter-in-law.– Aperson in an interdependency relationshipwith the Employeemember. Eligibility for familymembership

is subject to a minimum age of 13 years.

Amemberwhowas previously an employeewhowas admitted by the trustee tomembership of the fund, andhas since left the employment of the SignatureSuper employer. A former Employee member will only bepermitted to continue membership in the plan where the plan rules for your plan allow.

Former Employee member orRetained member

Super Directions Fund ABN 78 421 957 449, RSE Registration No. R1056433.Fund or SDF

AIA Australia Limited ABN 79 004 837 861, AFSL No. 230043.Insurer

Two persons (whether or not related by family) have an interdependency relationship if:Interdependency relationship

– they have a close personal relationship, and– they live together, and– one or each of them provides the other with financial support, and– one or each of them provides the other with domestic support and personal care.An interdependency relationship also includes two persons (whether or not related by family):

– who have a close personal relationship, and– who do not meet the other four criteria listed in the paragraph above because either or both of them

have a physical, intellectual or psychiatric disability.Member Includes an Employee member, former Employee member, Personal member or family member ofSignatureSuper.

Themaximum limit on an employee’s Income that the superannuation guarantee (SG) rate is applied against.Themaximum super contribution base is a quarterly amount set by the ATO and is indexed every income year.

Maximum super contribution base

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MeaningDefined term

An employer who has no agreement with the trustee to participate in SignatureSuper but may makecontributions to SignatureSuper on behalf of an employee anyway.

Other employer

Either an employer or an association who has no agreement with the trustee to participate in SignatureSuperbut may make contributions to SignatureSuper on behalf of an employee anyway.

Participant

An individualwhohasbeennominatedby anassociation formembership andhasbeenadmittedby the trusteetomembership of the fund. A Personalmemberwill only be permittedmembership in the planwhere the planrules for your plan allow.

Personal member

Plan – As a participant, this means your particular plan in the fund which comprises of SignatureSuper.– Accounts relating to all Employee members, former Employee members, Personal members and

family/spouse members attached to that plan account.– If you are an Employee member, this means your SignatureSuper employer’s plan in the fund.– If you are a Former Employee member, this means your former SignatureSuper employer’s plan in the

fund.– If you are a Personalmember or a family/spousemember, thismeans your participant’s plan in the fund.

A record of money not allocated to accounts within a plan.Plan account

The SignatureSuper superannuation product forming part of the Fund.SignatureSuper

The employer who has agreedwith the trustee to participate in SignatureSuper and any associated employerswhomake contributions to SignatureSuper.

SignatureSuper employer

Spouse of a person includes:Spouse– The person’s husband or wife.– Another person (whether of the same sex or a different sex) registered on the relationship registers of a

state or territory.– Another person who, although not legally married to the person, lives with the person on a genuine

domestic basis in a relationship as a couple.

N.M. Superannuation Proprietary Limited, ABN 31 008 428 322, AFSL No. 234654.We, us, our, NM Super, issuer ortrustee

You or your – If you’re an Employee member, former member or family/spouse member, this means a member.– As an employer, this means a member.

(i) Includes adopted child, a stepchild, and an ex-nuptial child.

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Insurance definitions

The definitions described below are generally the insurer’s usual definition. The terms, conditions and full definitions in the policydocument held by the trustee for your SignatureSuper plan will always apply.

MeaningDefined term

A physical injury which occurs while the policy is in force that is caused solely and directly by violent, visible,external and unexpected means that is not traceable, even indirectly, to any pre-existing mental or physicalcondition.

Accident or accidental Injury

The person is:At work

– engaged in his or her normal duties, without limitation or restriction due to injury or sickness,and isworking normal hours on the day cover is to commence

– not restricted by sickness or injury from being capable of performing their full and normal duties on afull time basis (for at least 30 hours per week) even though actual employment can be on a full-time,part-time, contract or casual basis, and

– not in receipt of and/or entitled to claim income support benefits from any source including workers’compensation benefits, statutory transport accident benefits and disability income benefits.

The person will be considered to be at work if on the applicable date, as the context requires, the person is onemployer approved leave for reasons other than injury or sickness, and not taking into account the leave, isable to meet the at work definition.

A person who does not meet these requirements is considered to be not at work.

A person:Australian Resident– who resides inAustralia and is either anAustralian citizen or aholder of anAustralian Permanent Resident

visa, or– who is a New Zealand citizen and is the holder of a Special Category visa (SCV) while residing in Australia

indefinitely.

The amount of cover that applies to you without having to provide evidence of insurability. The AAL includesnew events cover which applies when you are not at work when first eligible to join the policy. The AAL is asset out in the plan summary.

Automatic Acceptance Limit (AAL)

Maximum period as set out in the plan summary for which the monthly benefit will be paid in respect of aninsured member for any one period of Disability.

Benefit period

A person who is not a Permanent employee and is employed with an employer on a casual basis and whoseemployer is making superannuation guarantee contributions in respect of the Casual employee.

Casual employee

A person who is employed under a written contract for at least six months and who is:Contractor employee– required to perform identifiable duties for a regular number of hours each week– provided with annual leave and sick leave entitlements, and– receiving superannuation guarantee contributions.

The age at which cover ceases.Cover expiry age

Such evidence of health and such other particulars of a person as the insurermay require andwhich is suppliedor caused to be supplied in respect of that person to enable the insurer to determine whether the person is tobe accepted for insurance and the terms of such acceptance.

Evidence of insurability

Components of insurable income agreed to by the insurer in relation to the Plan.Income

The level determined by the insurer whichmay be provided under certain circumstances after the assessmentof evidence of insurability of a person, whereby future increases in amounts of benefit formula cover (in linewith the employer's benefit design) up to this level may be provided without further evidence of insurability.

Forward underwriting limit

A duty that involves 20% or more of the insured member’s overall occupational tasks.Important duty

The amount of insured benefit calculated in accordance with the employer's benefit design and subject to themaximummonthly benefit which will become payable by the insurer in the event of an Insured Membersatisfying the applicable total disability or partial disability definition.

Monthly benefit (for TemporaryDisability cover)

A legally qualified and registered doctor ofmedicine. It does not include the employer, you, an employee of theemployer or your immediate family or business partner/s.

Medical practitioner

You are only covered for claims arising from a sickness which became apparent or an injury which occurred onor after the date your cover commenced or most recently commenced under the plan.

New events cover

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MeaningDefined term

Due to injury or sickness, the insured member:Partial disability

– is unable to perform at least one Important Duty of your usual occupation but have returned to work inyour usual or an alternative occupation

– is earning an income from your usual or alternative occupation which is less than your pre-disabilityincome, and

– remains under the regular care and attendance of a medical practitioner and are following the advice ofthat medical practitioner in relation to that injury or sickness, including following all recommendedcourses of treatment.

A person who is employed by the SignatureSuper employer on a permanent basis to undertake identifiableduties and is paid sick leave and annual leave entitlement's.

Permanent employee

In the insurers opinion the insured member has become incapacitated due to ill-health (whether physical ormental) and as a result of this ill-health is unlikely he or she will ever engage in or work for reward in anyoccupation for which he or she is reasonably qualified by education, training or experience.

Permanent Incapacity

The gross monthly income earned by you immediately prior to becoming disabled.Pre-disability income

For casuals and contractors with a minimum contract period of 12 months or less, it means the average grossmonthly income earned by you in the three months immediately prior to becoming disabled.

A program pre-approved by the Insurer for the purpose of returning an insured member to theRehabilitation Program

pre-disablement occupation, or where return to pre-disablement occupation is not appropriate, another

suitable occupation. A rehabilitation program consists of occupational rehabilitation services such asinitial rehabilitation assessment, physical conditioningprogram, graduated return towork program, vocationalassessment, and other specific services to support return to pre-disablement occupation or an alternateoccupation. Any occupational rehabilitation must be as part of a comprehensive return to work programcomprising of a range of tailored services pre-approved by the Insurer and evidenced by a documented returnto work plan prepared by a rehabilitation provider approved by the Insurer.

As per the guidelines provided under the Department of Home Affairs, a Special Category visa (subclass 444)is a temporary visa that allows a person to stay and work in Australia as long as that person remains a NewZealand citizen.

Special Category visa (SCV)

For avoidance of doubt, a New Zealand citizen who holds a SCV while residing in Australia and departstemporarily overseas will be treated the same as an Australian Resident. They will be entitled to the sameprovisions, cover terms and conditions as an Australian Resident under this Policy.

For members with Death cover commencing on or after 1 July 2014, the following definition will apply:Terminal illness

– Two registered medical practitioners have certified, jointly or separately, and approved by the insurer,that the person suffers from an illness, or has incurred an injury, that is likely to result in the death ofthe person within a period (the certification period) that ends not more than 12 months after the dateof the certification

– At least one of the registered medical practitioners is a specialist practicing in an area related to theillness or injury suffered by the person, and

– For each of the certificates, the certification period has not ended.For members with Death cover commencing pre 1 July 2014, the following definition will apply:

– The diagnosis of the Insured Member with an illness which in the opinion of an appropriate medicalspecialist(s), approved by the insurer, will result in the death of the Insured Member within 12 monthsof the diagnosis regardless of any treatment that may be undertaken.

Where an insured member is diagnosed with a terminal illness the maximum amount we pay is equal to theDeath Sum insured.

Where an insured member is diagnosed with a terminal illness, the maximum amount we will pay is equal tothe death benefit.

Terminal illness benefit

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MeaningDefined term

The definition(s) applicable to your category of membership are set out in the plan summary.Totally and Permanently Disabled(TPD) Standard definition

The insured member is deemed to be totally and permanently disabled if, in the opinion of the insurer, he orshe has suffered a disability through injury or sickness, for which the insured member:

– has been prevented from performing any work, paid or unpaid, for an uninterrupted period throughouttheWaiting Period solely due to the same injury or sickness

– is attending and following the advice of a medical practitioner and has undergone all reasonable andusual treatment including rehabilitation for the injury or sickness, and

– after consideration of all the medical evidence and such other evidence as the insurer may require, hasbecome incapacitated to such an extent as to render him or her unlikely ever to be able to engage in hisor her ownoccupation and any occupation forwhich he or she is reasonably suited by education, trainingor experience.

The standard definition applies to insured members who are Permanent Employees, Contractors or Casualemployees working on average 15 hours or more per week in the three months immediately prior todisablement, or where the insured member has been employed for less than three months, over the insuredmember’s period of employment.

Alternative definition

Under this definition, the insuredmember is deemed to be totally and permanently disabled if, in the opinionof the insurer, he or she has for an uninterrupted period throughout the waiting period after the occurrenceof the injury or sickness, is continuously, totally andpermanently unable to performat least twoof the followingactivities of daily living as certified by a medical practitioner:

– bathing: the ability to wash themselves either in the bath or shower or by sponge bath without theassistance of another person

– dressing: the ability to put on and take off all garments andmedically necessary braces or artificial limbsusually worn, and to fasten and unfasten themwithout the assistance of another person

– eating: the ability to feed themselves once food has been prepared and made available, without theassistance of another person

– toileting: the ability to get to and fromand on and off the toiletwithout the assistance of another personand the ability to manage bowel and bladder functions through the use of protective undergarments orsurgical appliances, if appropriate

– transferring: the ability to move in and out of a chair without the assistance of another person

and, the insured member has Permanent Incapacity.

The alternative definition applies to insured members who are Permanent Employees, Contractors or Casualemployeesworking on average less than 15 hours in each and every normalworkingweek in the threemonthsimmediately prior to disablement, orwhere the insuredmemberhasbeenemployed for less than threemonths,over the insured member’s period of employment.

Standard definitionTotal disability or totally disabled(for Temporary Disability cover) Means disablement which occurs while the policy is in force resulting solely from injury or sickness and as

a result of which the insured member:

– is unable to perform at least one Important Duty of his or her usual occupation necessary to producingIncome

– remains under the regular care and attendance and following the advice of a medical practitioner inrelation to that injury or sickness including following all recommended courses of treatment ,and

– is not engaged in any occupation, whether paid or unpaidThe standard definition applies to insured members who are Permanent Employees, Contractors or Casualemployees working on average 15 hours or more per week in the three months immediately prior todisablement, or where the insured member has been employed for less than three months, over the insuredmember’s period of employment.

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MeaningDefined term

Alternative definition

Means disablement which occurs while the policy is in force resulting solely from injury or sickness and asa result of which the insured member:

– remains under the regular care and attendance and are following the advice of a medical practitioner inrelation to that injury or sickness

– is not engaged in any occupation, whether paid or unpaid, and– in the insurer’s opinion, after considering all medical evidence, is continuously and totally unable to

perform (with or without aids or adaptations) at least two of the following activities of daily working:– Mobility: The ability to

– bend, kneel or squat to pick something up from the floor and straighten up again, and get into andout of a standard sedan; or car; or

– walk more than 200 metres at a normal pace on a level surface without stopping due tobreathlessness as a result of a medical condition or angina.

– Hearing: The ability to hear such that an audiologist can certify that the insured member has a hearingability of less than or equal to 40db in the better ear (averaged over the frequencies 0.5, 1, 2 and 3 KHz)in an audiometry test.

– Communicating throughspeech: Theability to speakwith sufficient clarity tobeable toholda conversationin a quiet room in the insured member’s first language. This involves understanding a simple messageand relaying that message to another person.

– Seeing: The ability to see even when tested with visual aids, such that an ophthalmologist can certifythat the insured member’s visual acuity is better than 6/60 in the better eye or a visual field of greaterthan 10 degrees (i.e not legally blind).

– Manual Dexterity: The ability to use:

– at least one hand to pick up and/ormanipulate small objects such as picking up a coin from a desk,using cutlery or fastening buttons, or

– a pen or pencil or keyboard to write a short note that can be understood by another person.The alternative definition applies to insured members who are Permanent Employees, Contractors or Casualemployeesworking on average less than 15 hours in each and every normalworkingweek in the threemonthsimmediately prior to disablement,orwhere the insuredmember has beenemployed for less than threemonths,over the insured member’s period of employment.

A current and valid visa issued in accordance with the Migration Act 1958 (Cth) or any amending or replacingAct which enables you to work in Australia.

Visa

TPD

Means for TPD three consecutive months unless otherwise stated in the Plan Summary.

Waiting period

TSC

Means for TSC the number of continuous days, which must elapse before monthly benefits begin to accrue.

The waiting period commences from the later of the following:

– the date you are first examined and certified by a medical practitioner as totally disabled in relation toan injury or sickness that gave rise to the claim, and

– the date you ceased work due to that injury or sickness.If you consult a medical practitioner within seven days of ceasing work due to the injury or sickness, then thewaiting period will commence from the date you ceased work.

Includes but is not limited to war (declared or undeclared) or war related activities, revolution, invasion orrebellion or civil unrest.

War

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Contact us

NS753202

/21

1300 366 0198am to 7pm (Sydney time)Monday to Friday

phone

amp.com.au/signaturesuperweb

signaturesuper@amp.com.auemail

SignatureSuperCustomer ServiceLocked Bag 5043PARRAMATTA NSW 2124

mail