Sunsuper for life Insurance guide · p1 Important information This is the Sunsuper for...

Sunsuper for life Insurance guidePreparation date: 7 September 2017

Issue date: 30 September 2017

p1

Important information This is the Sunsuper for life Insurance guide. The information in this guide forms part of the Sunsuper for life Product Disclosure Statement (PDS) issued 30 September 2017. The PDS references important information contained in this guide by ! . This guide may reference important information contained in the Sunsuper for life Investment guide and Sunsuper for life guide. The PDS, this guide, the Sunsuper for life Investment guide and Sunsuper for life guide should be read in their entirety before making a decision to acquire or continue to hold an interest in the product.

General advice disclaimer The information in the PDS and guides is general information only and doesn’t take into account your personal objectives, financial situation or needs. You should consider the appropriateness of any general information in the PDS and guides having regard to your own personal objectives, financial situation and needs. You should obtain financial advice tailored to your personal circumstances. Call us if you would like to speak to a qualified financial adviser.

Protecting your privacy Sunsuper respects the privacy of the information you give us. If you require a copy of our Privacy Policy visit sunsuper.com.au/privacy or call 13 11 84.

Financial Services Guide (FSG) Visit sunsuper.com.au/fsg or call us on 13 11 84 for a copy of the FSG. The FSG provides you with information about the financial services Sunsuper Pty Ltd provides and will help you decide whether to use these services.

The insurerInsurance cover is provided through group life policies for Death and TPD, and Income Protection, issued by AIA Australia Limited (AIA Australia) ABN 79 004 837 861 to the Trustee of the Sunsuper Superannuation Fund. In the event of a dispute the policy will override the information in the PDS and this guide.

In conjunction with either a disablement claim application or an application for additional cover, Sunsuper members may be contacted directly by an AIA Australia representative on behalf of the Fund to discuss or gather information relating to their application.

AIA Australia Privacy AIA Australia also respects your privacy. AIA Australia’s handling and exchange of your personal and sensitive information is outlined in the AIA Australia Privacy Policy available at www.aia.com.au or by calling AIA Australia on 1800 333 613.

Refund of premiums to the TrusteeAs part of the Trustee of the Sunsuper Superannuation Fund’s arrangements with AIA Australia to provide insurance to Fund members, the Trustee may receive a refund of premiums, depending on the level of claims against the insurance policies. The Trustee may use any refunded premiums to help meet insurance offering costs or to fund insurance related enhancements. Any refunded premiums which are received and not yet used for these purposes are allocated to an insurance reserve.

Contents

1 Why have insurance? 2

2 What types of insurance can I have throughSunsuper?

4

3 How much cover do I need? 6

4 Am I eligible for insurance cover? 7

Other important eligibility terms and conditions 8

When does my insurance cover start? 9

5 Death and TPD cover 10

Death and TPD Assist 10

New Member options — Increase your Death and TPD Assist cover by 50% 15

White Collar cover 16

Life and Age Event Options 17

Tailored Death and TPD cover 19

Conditions and Exclusions 23

6 Income Protection (IP) cover 25

New Member options — Opt In IP cover 26

White collar IP cover 27

Tailored IP cover 28

Conditions and Exclusions 32

7 How do I apply? 36

8 Premium Rates 38

9 Facts about making a claim 46

10 Definitions 49

Insurance in your super

Why should I insure through Sunsuper?Protect yourself, your family and your lifestyle.

Automatic cover for eligible membersProtecting you 24 hours a day, 7 days a week.

Death cover to age 70Protecting you in the event of Death or Terminal Illness.

Total and Permanent Disablement (TPD) cover to age 67Helping minimise the impacts of a permanent disability.

Income Protection (IP) coverProviding a replacement income if you are unable to work.

White Collar coverGet 50% more Death and TPD Assist at no additional cost.

May also reduce premiums for Opt In IP cover.

Tailored coverYou can tailor your Death, TPD and IP cover to suit your needs.

Features at a glanceThe benefits, features and options for insurance cover in Sunsuper for life are summarised in the table below. More information on each item can be found in this guide.

Features Description

Death coverProvides a lump sum benefit on the death of a member; members can have Death only cover. This can be default cover or Tailored to suit your individual circumstances and needs.

Total and Permanent Disablement (TPD) cover

The term ‘Totally and Permanently Disabled’ generally means that you will be unable to ever work again in any occupation for which you are suited by training, education or experience. A TPD benefit can provide an ongoing income or fund your special medical needs. This can be TPD Assist cover or Tailored TPD cover to suit your individual circumstances and needs.

Income Protection coverProvides a replacement income where a member becomes Totally or Partially Disabled and cannot work as a result. You can choose to opt in or tailor it to suit your individual circumstances and needs.

Terminal Illness coverProvides a lump sum benefit where a member is diagnosed as having a Terminal Illness and automatically forms part of the Death cover.

Default cover Death and TPD Assist cover automatically provided to eligible members on joining Sunsuper.

New Member options Additional Death and TPD Assist cover and Opt In IP cover available to new members.

White Collar coverAdditional Death and TPD Assist cover is available to eligible members employed in White Collar occupations at no additional cost. Opt In IP cover may also be available at a reduced cost.

Life and Age Event options

Additional cover available for eligible members with Death and TPD Assist and White Collar cover if they experience a specified Life or Age Event, such as getting married or turning 30.

Tailored cover You can tailor your Death, TPD and/or IP cover to suit your individual circumstances and needs.

Indexation of Tailored IP cover

Your Tailored IP cover will be automatically indexed each 1 July by a factor generally aligned to the increase in Average Weekly Ordinary Time Earnings (AWOTE).

Worldwide cover Cover is provided 24/7 anywhere in the world.

Cover during paid and Unpaid Leave

Death and TPD cover continues while a member is on leave; IP cover will continue for a period of 24 months during Unpaid Leave.

Cover during overseas employment

Cover continues while a member satisfies the eligibility requirement while working overseas.

Automatic continuation of cover

Your Death and TPD cover continues regardless of your work status, while IP cover is subject to your employment status at the date of disablement.

Transfer of insurance cover

We may agree to take over the cover provided by a previous superannuation fund or insurer and provide equivalent benefits on Sunsuper’s terms and conditions.

Financial adviceTo assist members to determine the amount and type of insurance cover needed and assist members with the proceeds of claims.

Claims support Our experienced Claims Representatives are here to help with your claim.

Early intervention Early assistance can significantly improve your chances of making a swift recovery.

Occupational Rehabilitation –“work is good medicine”

If you have an injury, disability or health condition we can arrange work related rehabilitation to assist you back to suitable work.

Indexation of Tailored IP benefits

When on claim your Tailored IP benefits will be indexed by the lesser of CPI or 5% on each anniversary of a continuing IP claim where your Benefit Period is greater than 2 years.

Binding Nominations vs Preferred Beneficiaries

You can nominate your preferred beneficiaries or you can make a binding beneficiary nomination.

Your cover continues even if your job doesn’tIf you leave your employer your cover will continue.

Competitive ratesProviding insurance at competitive rates.

Tax effective insuranceInsurance premiums attract a tax deduction, these are passed on to you.

p2 p3

1 Why have insurance?

Bring your cover with youIt’s simple, you can apply to transfer existing Death, TPD and IP cover anytime.

You may be eligible to transfer existing Death and/or TPD cover (from other super funds or insurance policies up to $1,000,000), and/or IP cover (up to $10,000 per month) to Sunsuper. Simply download and complete the Transfer of insurance cover form at sunsuper.com.au/insuranceforms and return it to us.

It’s important you include all required documentation. If you are thinking about transferring your existing insurance cover, make sure you compare the features and benefits, and are accepted by the insurer, before cancelling existing cover. If accepted by the insurer you will be subject to the terms and conditions outlined in the policy.

Even the most carefully made financial plans can fail due to unexpected circumstances. So it makes sense to protect your greatest asset — you!

p4 p5

2 What types of insurance can I have through Sunsuper?

Sunsuper offers easy ways for you to change your cover, apply for cover, or cancel your cover.

Members have access to:

Death cover (including Terminal Illness)If you die or become terminally ill, you or your dependants or beneficiaries may receive a lump sum.

TPD Assist coverIf you are suffering from long term injury or sickness we may provide early intervention and occupational rehabilitation support. Where you are Totally and Permanently Disabled and you continue to meet the TPD Assist definition, you may receive up to six annual payments over a minimum of five years to help you pay any debts and bills and fund disability related expenses such as home modifications, rehabilitation and special medical needs. In some circumstances, TPD Assist may be paid as a single lump sum payment.

Opt In Income Protection coverProvides an income for up to 2 years while you are unable to work due to sickness or injury to help you pay your expenses while you focus on your health and recovery.

Tailored Death, TPD and IP coverTailor your insurance to suit your needs. Having the right level and type of cover provides some assurance of a secure financial future for you and your family. You can apply for Tailored Death cover, Tailored TPD cover or Tailored IP cover.

Members have access to the following insurance offers:

Death and TPD Assist cover IP Cover

New Member optionsIncrease Death and TPD Assist by 50%

Add Opt In IP

White Collar coverAdditional Death and TPD Assist

May reduce the cost of Opt In IP

Life and Age Event options

Additional Death and/or TPD Assist

n/a

Ineligible for default cover OR need more cover?

Tailored cover Tailored Death and TPD Tailored IP

Insurance in your Super-savings accountEligible members are provided with Death and TPD Assist cover (for more information refer to 4 Am I eligible for insurance cover?).

If eligible, you can apply for White Collar cover at any time. White Collar Death and TPD Assist cover provides 50% more cover at no additional cost. White Collar IP may reduce your premiums for Opt In IP, or entitle you to more cover at no additional cost.

If you require more Death and/or TPD cover than the options outlined above, and/or a different Benefit Period or Waiting Period on your Income Protection cover, this can be provided through Tailored cover.

It’s important to review your insurance needs and check whether default insurance cover is enough.

Below is a brief summary of the insurance options available through Sunsuper.

Features Death and TPD Assist Opt In IP Tailored Death

and TPD Tailored IP

Cover provided automatically 1 Opt In1,3 x x

Type of benefit paidLump Sum or

Annual2Monthly income Lump Sum Monthly income

Terminal Illness benefit x x

Option to increase your cover by 50% 3 x x x

White Collar cover 4 4 x x

Occupational Rehabilitation support x

Life and Age Event options x x x

Continuation of cover if you change employer

Indexation of cover x x x

Option to choose a Waiting Period x x x

Option to change a Benefit Period x x x

1 You must be “eligible” for the cover. Please refer to 4 Am I eligible for insurance cover, and Opt In IP cover? 2 Death cover is paid as a lump sum. The TPD Assist cover may be paid as either annual support payments or a lump sum subject to the member meeting the relevant conditions of

the TPD Assist definition. Annual support payments will be paid as close as possible to 12 months apart, but actual payment dates will depend on the circumstances of each claim.3 Within 120 days of joining Sunsuper you can apply to add an additional 50% of Death and TPD Assist cover and/or you may also apply for Opt In IP cover. Refer to New Member options.

4 Eligibility conditions apply; please refer to pages 16 (Death and TPD Assist cover) and 27 (IP cover).

The Trustee reserves the right to limit the amount of cover provided. Any increase or change is subject to acceptance by the insurer. Satisfactory evidence of health may be required when you apply for increased or Tailored cover.

If you have two or more Super-savings accounts in Sunsuper for life, you will only be entitled to insurance cover from one account (with the exception of Sunsuper for life Corporate Super-savings accounts and Sunsuper for life Business Super-savings accounts).

In the event of a dispute the policy will override the information in the PDS and this guide.

Guaranteed renewal of coverOnce your insurance cover commences we guarantee to renew your benefits every year regardless of changes in your health, occupation or pastimes. Continuation of cover is subject to there being sufficient funds available in your Super-savings account to pay the weekly premium. You may become ineligible for Income Protection if you work less than 15 hours a week. For full details on when cover ceases, please refer to When does Death and TPD insurance cover stop? and When does IP cover stop?

Working out how much insurance is right for you can be a difficult task. The amount of insurance you need will depend on a combination of things such as your liabilities, assets, ongoing expenses and your expected standard of living. Once you have read through this guide for details on the insurance we offer you can work through the following steps to work out how much insurance is right for you.

1

23

4

5

p6 p7

It is important to understand that using your superannuation account now for the payment of insurance premiums before retirement will impact upon your future balance when you do retire.

Need some financial advice?Speak to your adviser or contact Sunsuper to get the advice you need. Call 13 11 84 to speak to one of our qualified financial advisers1 who can give you simple advice about your Sunsuper account at no additional cost, quickly over the phone. For more comprehensive advice, we may refer you to an accredited external financial adviser.2 Advice of this nature may incur a fee.1 Sunsuper employees provide advice as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), wholly owned by the Sunsuper

Superannuation Fund.2 Sunsuper has established a panel of accredited external financial advisers who are not employees of Sunsuper. Sunsuper is not responsible for the advice provided by these

advisers and does not receive or pay any referral fees. These advisers will explain to you how their fees are determined.

3 4How much cover do I need? Am I eligible for insurance cover?

Different people will have different needs depending on their individual circumstances. You may need more cover, you may want to protect yourself with Income Protection cover, or you might not want insurance at all. With Sunsuper you can apply for the cover you need.

It is very important to check your eligibility for cover. If you are not eligible for Death and Total and Permanent Disability (TPD) Assist, or Opt In IP cover you can apply for Tailored cover at any time.

How much money will I need?Generally, you should have enough money to pay all large debts and cover daily living expenses for yourself and your family for a certain period of time. As a starting point, list the current financial commitments you have. Keep in mind your insurance needs will change as your life changes.

How much money do I have?Consider your existing sources of income (other than your salary) and savings.

Use our Insurance needs calculator to work out your needsUse this calculator to work out how much Death, Total and Permanent Disability (TPD) and Income Protection cover you may need. The calculator is available at sunsuper.com.au/calculators

How much insurance do I need?You may find your needs are greater than your savings. This is where insurance comes in. It can be used to meet the shortfall between your needs and your existing savings. Keep in mind that different types of cover may be paid as a lump sum or ongoing benefit payments.

Do you need some help?Call 13 11 84 to speak to one of our qualified financial advisers.1

The table below outlines insurance cover eligibility for Death and TPD Assist cover, and Opt In IP cover.

Types of Insurance Cover Age Eligible for cover Not eligible for cover

Death 15–69 You are actively employed1 • you are Self-Employed,2 or

• you are not employed, or

• you have previously received or are eligible to receive a Terminal Illness benefit, TPD benefit, or a benefit as a result of Permanent Incapacity or a Terminal Medical Condition from a superannuation fund or insurer.

TPD Assist 15–66 You are actively employed1

Opt In IP 15–64 You are actively employed1 on a permanent basis for a minimum of 15 hours per week

• you are Self-Employed,2 or

• you are not employed, or

• you are a casual or contract employee3, or you are working less than 15 hours per week, or

• you are employed under a work visa,3 or

• you have previously received or are eligible to receive a Terminal Illness benefit, TPD benefit, or a benefit as a result of Permanent Incapacity or a Terminal Medical Condition from a superannuation fund or insurer.

1 You will be actively employed if you satisfy the At Work definition at the date your Death, TPD Assist and Opt In IP cover starts – refer to 10 Definitions for the At Work definition.

2 Self-Employed means a person who is predominantly working in their own business on a regular basis and earning an income – refer to 10 Definitions for the definition of Self-Employed Person.

3 Casuals, contractors and members employed under a work visa may apply for Tailored IP – refer to 6 Income Protection cover.

p8 p9

Other important eligibility terms and conditions

Death and TPD• As a general rule, your eligibility for Death and TPD Assist or

White Collar cover will not be assessed until you make a claim.

• Limited Cover will apply until you satisfy the At Work requirements for 30 consecutive days where you have joined Sunsuper and a Superannuation Guarantee (SG) contribution is received within 120 days of the date you joined your employer.

• Where you joined Sunsuper and an SG contribution is received more than 120 days after the date you joined your employer Limited Cover will apply to your cover for a period of 24 months and will cease to apply once you satisfy the At Work requirements for 30 consecutive days after the end of the 24 month period.

• If you become totally and permanently disabled you will only be eligible to make a TPD claim if you notify Sunsuper of your TPD claim within five years from your Date of Disablement. Warning: If you notify Sunsuper of your TPD claim outside this period you will be ineligible for an insurance benefit payment under TPD.

• If you were under age 15 when you joined Sunsuper, your Death and TPD Assist cover will commence upon receipt of an SG contribution after you turn age 15.

• If your insurance cover start date is more than 120 days from the date you joined your employer or you have White Collar cover, New Member Options or Life and Age Events, a Death or TPD Assist benefit will not be paid where Death or Total and Permanent Disablement is caused by suicide or any intentional self-inflicted act within 12 months of your insurance cover start date.

• If you have Tailored Death or TPD cover a benefit will not be paid where Death or Total and Permanent Disablement is caused by suicide or any intentional self-inflicted act within 12 months of your insurance cover start date.

• Members whose financial affairs are under the supervision of a third party due to their medical condition or incapacity, such as a Public Trustee Office, are entitled to Death only cover subject to satisfying the At Work requirements. Members not satisfying the At Work requirements will not be eligible for Death or TPD Assist cover. They will also not be able to apply for New Member options, Life and Age Event options or for White Collar cover.

• If you ceased employment with your employer due to sickness or injury Death and TPD cover transferred from either Sunsuper for life Corporate or Sunsuper for life Business will be Limited Cover. Limited Cover will apply until you have been At Work for 30 consecutive days.

Income Protection• As a general rule, your eligibility for Opt In IP or White Collar IP

cover will not be assessed until you make a claim.

• If you have Opt In IP or White Collar IP cover, Limited Cover will apply for the first 24 months and will apply until you satisfy the At Work requirements for 30 consecutive days after the initial 24 month period.

• An Income Protection benefit will not be paid if the injury or sickness is caused, wholly or partly, directly or indirectly, from:

a. deliberate self-inflicted injury, or attempted suicide, or self destruction while sane or insane,

b. uncomplicated pregnancy, childbirth or miscarriage,

c. your deployment to a hostile environment as part of active military service,

d. a criminal act committed by you, or

e. a fraudulent claim is made.

• You are not eligible for Opt In IP or White Collar IP cover if your financial affairs are under the supervision of a third party such as the Public Trustee Office, due to your medical condition or incapacity.

Not eligible for coverIf you are not eligible for Death and TPD Assist or Opt In IP cover you can apply for Tailored cover. Any application will be subject to acceptance by the insurer (satisfactory evidence of health will be required).

To avoid being charged premiums for cover that you are ineligible for, please ensure that you notify us if you are ineligible, or contact us if you would like to discuss whether you are eligible for Death and TPD Assist cover or Opt In IP cover. Premiums paid for the period you were deemed ineligible for cover will be refunded to your Super-savings account.

Premiums will not be refunded in the instance you are ineligible to claim a TPD Assist or Tailored TPD claim due to Sunsuper not being notified of a TPD claim within five years from your Date of Disablement.

Self-Employed, unemployed or unpaid Domestic DutiesIf you are Self-Employed, unemployed or are engaged in unpaid Domestic Duties in your own home you are eligible to apply for Tailored cover.

Special offersSome members may have other insurance offers made to them from time to time or you may be part of a group transfer from another fund. Your insurance arrangements and eligibility may differ from those contained in this guide. You will be advised if this applies to you.

When does my insurance cover start?

The following table outlines when your cover will start and the conditions applicable to that cover. For details on how you can apply for the insurance covers listed below, please refer to 7 How do I apply?.

Insurance cover or option

What starts cover?Insurance cover start date 1

Limited Cover 2

At Work 3 Other important information

Death and TPD Assist

Receipt of your first SG contribution which is within 120 days from Date Joined Employer

Date Joined Employer 4 Yes 30 days

Limited Cover will apply until you satisfy the At Work requirements for 30 days.5

Receipt of your first SG contribution which is outside 120 days from Date Joined Employer

Date of the first SG contribution

24 months 30 daysLimited Cover will apply until you satisfy the At Work requirements for 30 days5 after the initial 24 month period.

Attainment of age 15 and receipt of an SG contribution

Date of the first SG contribution after age 15

Yes 30 daysLimited Cover will apply until you satisfy the At Work requirements for 30 days.5

New Member option — Opt In IP

Receipt of your first SG contribution and you select this option within 120 days of joining Sunsuper

Date Death and TPD Assist cover starts


Not available if you select this option outside 120 days of joining Sunsuper.

New Member option — additional 50% Death and TPD Assist




Not available if you select this option outside 120 days of joining Sunsuper.

White Collar cover




You apply for White Collar cover outside 120 days of joining Sunsuper using the White Collar cover form and you already have Death and TPD Assist cover

Date of acceptance of your application by the insurer


Life and Age Events

Application by you not more than 180 days after the Life or Age Event


24 months 30 daysLimited Cover will apply until you satisfy the At Work requirements for 30 days 5 after the initial 24 month period.

Restarting default Death and TPD after previous cover lapsed

Receipt of an SG contributionDate of the SG contribution

Yes 30 days Limited Cover will apply until you satisfy the At Work requirements for 30 days5 after cover commences.

Tailored Cover Application by you at anytime


n/a n/a n/a

1 If Sunsuper is not notified of a Date Joined Employer, your date of first SG contribution will be used to calculate your insurance cover start date. The Date Joined Employer will be checked at the time a claim is made.

2 Limited Cover – please refer to 10 Definitions.3 At Work – please refer to 10 Definitions. 4 Date Joined Employer will be the first Date Joined Employer recorded on your Super-savings account from the time you are recorded as a member of the Fund. 5 “30 days” are consecutive and are inclusive of days not scheduled for work (e.g. weekends, RDOs, etc.) and days where you are not precluded from work for reasons

of injury or sickness.

p10 p11

5 Death and TPD cover

Death and TPD Assist

If you die your dependants or your beneficiaries may receive a lump sum. If you become Totally and Permanently Disabled (TPD) you may receive a benefit to help you pay any debts and bills and fund disability related expenses such as home modifications, rehabilitation, and special medical needs.

Death coverIf you die, your dependants or beneficiaries may receive a lump sum. This includes Terminal Illness.

How much cover do you get and what does it cost?The amount and cost of cover depends on your age and type of cover and will alter at certain ages.

Death and TPD Assist cover levels (example)

Your age

Cover ($) Cost per Week ($)

Death TPD Assist Male Female

15 62,500 125,000 2.28 1.36

25 125,000 175,000 3.92 2.68

35 240,000 240,000 7.08 4.84

45 132,000 132,000 8.44 6.76

55 42,000 42,000 8.44 6.76

65 16,000 16,000 8.44 6.76

To find out which level of cover and premium applies to you take a look at Premium table 1. TPD Assist cover ends at age 67.

Premiums are calculated weekly and normally deducted from your Super-savings account each month so it doesn’t impact your take-home pay.

Will my cover change as I get older? Yes, the amount and cost of cover will generally alter at certain ages.

We will confirm your cover each year in your Annual statement. To confirm your cover amount at any time just visit Member Online, the Sunsuper app or call us on 13 11 84.

TPD AssistIf you are permanently disabled, you may receive occupational rehabilitation support and up to six annual support payments or in some circumstances a lump sum payment.

Exclusions and restrictionsA Death, TPD or Terminal Illness benefit will not be paid:

• where caused by suicide or any intentional self-inflicted act within 12 months of your insurance cover start date where it is more than 120 days after the date you joined your employer,

• where you become TPD and notify Sunsuper of a claim more than five years after your Date of Disablement,

• if you are deployed to a hostile environment as part of active military service,

• if you are employed under the terms of a work visa and it expires, or you permanently depart Australia (whichever is earlier),

• if benefits have ceased after a second TPD Assist claim period, or• prior to joining Sunsuper you had received a Terminal Illness

benefit, TPD benefit or a benefit as a result of Permanent Incapacity or a Terminal Medical Condition.

If your insurance cover start date is within 120 days of the date you joined your employer, Limited Cover will apply until you have been At Work for 30 consecutive days.

Limited Cover will also apply to your Death and TPD Assist cover where your insurance cover start date is more than 120 days after the date you joined your Employer. Limited Cover will be for a period of 24 months and until you having been At Work for 30 consecutive days after the end of the 24 month period. Please refer to the definition of Limited Cover and At Work in 10 Definitions.

What is TPD Assist cover? At Sunsuper we recognise the importance of supporting members who are sick or injured, and where appropriate, providing assistance in enabling them to return to work where they are able to. Sunsuper’s TPD Assist cover is here to help minimise the impacts of long term injury or sickness that leaves you unable to ever work again.

The road to recovery can be a difficult path both financially and emotionally. As your ability to earn a living is the cornerstone to your standard of living it’s important to regain your capability to earn a living. Where permanent disablement prevents this, it’s important to have a safety net in place.

The term ‘totally and permanently disabled’ generally means that you will be unable to ever work again in any occupation for which you are suited by training, education or experience. If your TPD claim is accepted, you are usually able to withdraw your superannuation account balance and either begin to receive your insured benefit as annual support payments, or receive it as a one-off lump sum, allowing you to pay debts or bills, provide an ongoing income or fund your special medical needs.

Sunsuper’s TPD Assist cover provides several unique features:

• no waiting period – with TPD Assist cover there is no waiting period, with the exception of Part C of the definition relating to Activities and Part A relating to Cognitive Function. If you’re employed, assistance within the first three months of your injury or sickness is essential in successful occupational rehabilitation. Not having a waiting period also avoids any delays where a specified Medical Condition or loss of limb has occurred,

• rehabilitation and retraining – provides occupational rehabilitation support and guidance where deemed appropriate, and may be a compulsory part of the claims process. Our occupational rehabilitation consultants will collaboratively work with you, your treating health professionals, rehabilitation provider and employer to assist you in returning to work,

• annual support payments or lump sum payment – if you are assessed as TPD your insured cover may be paid as annual support payments as long as you continue to meet the TPD Assist definition. If you are diagnosed with a specific long term debilitating injury or sickness (specified Medical Conditions) with no chance of recovery, suffer loss of limbs or loss of Cognitive Function or are unable to undertake specified Activities, your insured cover may be paid as a single lump sum payment following the initial assessment,

• no premium required – while on a TPD Assist claim you don’t have to worry about paying your Death and TPD Assist premiums.

The definition of TPD Assist you will be assessed against in the event of a claim is linked to your employment status immediately prior to the Date of Disablement.

In limited circumstances you will not be eligible to claim on the Death and TPD Assist insurance cover through Sunsuper. See 4 Am I eligible for insurance cover? and 10 Definitions for the Employed (TPD) definition.

What happens if you believe you are totally and permanently disabled? If you believe that you may be eligible to apply for a TPD Assist claim, we are here to help you along the way.

In order to lodge a claim you would need to be under the care of a Medical Practitioner and suffering from an ongoing and serious injury or sickness that is permanently preventing you from working or from performing specified Activities. See 10 Definitions for the TPD Assist definition.

Our Claims Representatives are here to help you every step of the way and will confirm your eligibility to lodge a claim. Following lodgement of your claim application, the insurer will assess whether your claim is successful and whether occupational rehabilitation services would assist you in a successful return to work.

Eligibility to claimIf you become totally and permanently disabled you will only be eligible to make a TPD claim if you notify Sunsuper of your TPD Assist claim within five years from your Date of Disablement. Warning: If you notify Sunsuper of your TPD Assist claim outside this period you will be ineligible for an insurance benefit payment under TPD Assist.

Early Intervention and occupational rehabilitationYour chances of a swift recovery and making a successful return to work are significantly improved if you have access to effective rehabilitation and support services. The sooner you are able to seek assistance from a health professional the higher the chance of a successful outcome.

The approach we take will be dependent on your injury or sickness and whether rehabilitation is appropriate. For complex illnesses such as Depression, Anxiety, Back Pain and Musculoskeletal injuries early assistance can prove invaluable. Early assistance for certain illnesses such as Stroke or Cancer may not be appropriate.

Where deemed appropriate, we will engage with our insurer who will help determine what, if any, occupational rehabilitation and retraining services will assist. Occupational rehabilitation may be a compulsory part of the claims process (where you are assessed against Part B of the TPD Assist definition).

White collar coverWhite collar cover entitles you to 50% more Death and TPD Assist cover at no additional cost to you. Refer to page 16 for more details.

Death and TPD Assist Cover is provided to eligible members, without needing to undergo any medical examinations.

p12 p13

What does Occupational Rehabilitation involve?We understand that navigating the health system can be a daunting task, especially in times of emotional and physical stress. Though legislation does not allow us to pay for medical consultations and treatment we can provide invaluable assistance in other ways.

By working closely with you, your treating health professional and your employer we will be able to design a rehabilitation program that is individually tailored to you and your needs. The approach is to work in partnership to help with your recovery and assist you in returning to work capability.

Some of the services available to you may include:

• coordination of support services with your health professional, rehabilitation provider and employer,

• arranging an initial assessment with your health professional who can identify your support needs,

• providing guidance to your treating doctor on a treatment plan,

• engagement of a rehabilitation provider,

• development and implementation of a return to work plan, including re-skilling and retraining and functional upgrading,

• providing guidance and work related counselling and support where secondary conditions such as mental health manifest, and

• job seeking advice and career guidance.

Insurer’s Occupational Rehabilitation

consultantMain point of contact for all

parties and monitors the rehabilitation programme.

Treating DoctorResponsible for medical

treatment.

External Rehabilitation consultant

Specialises and understands your job experience, local job

availability and resources.Implements Return to Work

(RTW) plan.

Sunsuper Claimant

EmployerProvides information on job duties and responsibilities.

Participates in suitable (RTW) plan (if applicable).

An effective rehabilitation plan relies on the coordination of all parties. An example is below,

If you require assistance please call Sunsuper on 13 11 84 to discuss your rehabilitation options.

What benefits are paid out if rehabilitation is unsuccessful or not appropriate for you?You may receive up to six annual support payments (each equal to one sixth of your TPD Assist cover amount) over a minimum of five years. To continue to receive payments over the period, you must continue to meet the definition of TPD and participate in any occupational rehabilitation program designed for you. Annual support payments will be paid as close as possible to 12 months apart, but actual payment dates will depend on the circumstances of each claim.

You may also be able to access your Sunsuper for life account balance due to Permanent Incapacity.

It’s important to note that Death cover will reduce by the amount of the annual support payments paid. Any Death cover in excess of the TPD Assist cover will still continue.

Payment of annual support paymentsIf you are eligible to receive a TPD benefit, the insurer may pay the annual support payment (less any applicable tax) to your Super-savings account where it will be invested in the Cash investment option. We will than contact you for payment instructions. Should we not receive payment instructions within 30 days, the payment will be invested as per your current investment strategy.

Annual assessment processShould your injury or sickness continuously prevent you from working ever again, an annual assessment will be undertaken. Your claim will be reassessed as close as possible to 12 months after your prior assessment. If you are assessed as still being totally and permanently disabled an annual support payment will be paid.

Where deemed appropriate, our insurer will help determine what if any ongoing rehabilitation and retraining services will assist.

What happens in the event of a loss of limbs, sight or Cognitive Function?If you suffer the loss of limbs, your sight or Cognitive Function you may be paid a single lump sum benefit equal to the TPD Assist cover amount at the Date of Disablement.

See 10 for the definitions of TPD Assist - Part A

Any Death cover in excess of the TPD Assist cover will still continue.

Any insurance benefit paid into your Super-savings account will also be invested in the Cash investment option, and will remain invested there until the Trustee finalises payment of your benefit.

What happens if you are unable to perform specified Activities?If you are unable to perform three of the following Activities you may be paid a single lump sum benefit equal to the TPD Assist cover amount at the Date of Disablement. • Mobility,• Hearing,• Communication through speech,• Seeing,• Lifting and carrying, and

• Manual dexterity.

See 10 for the definitions of TPD Assist - Part C.



What happens in the event of a specified Medical Condition?If you do experience a catastrophic event or are diagnosed with a long term debilitating disease with no chance of recovery you may be paid a single lump sum benefit equal to the TPD Assist cover amount at the Date of Disablement.

To qualify for a single lump sum benefit payment due to a Medical Condition you must have one of the following:

• Primary Pulmonary Hypertension• Major Head Trauma• Motor Neurone Disease• Multiple Sclerosis• Muscular Dystrophy• Dementia and Alzheimer’s Disease• Parkinson’s Disease

• Chronic Lung Disease

See 10 for the definitions of the various Medical Conditions, and TPD Assist – Part D.



Example of the annual support payment process:Tom was 40 when he was deemed totally and permanently disabled. Tom received default Death and TPD Assist cover when he joined Sunsuper, and didn’t make any changes to this cover. As at the Date of Disablement he has Death and TPD Assist cover of $186,000. Following acceptance of the TPD Assist claim by the insurer he receives his initial annual support payment of $31,000 (each equal to one sixth of Tom’s TPD Assist cover amount). Rehabilitation was unsuccessful and Tom continues to meet the TPD Assist definition at each New Assessment Date.

Paymentsix

Paymentfive

Paymentfour

Initial Approval

Year 1 Assessment

Year 2 Assessment

Year 3 Assessment

Year 4 Assessment

Paymentthree

Paymenttwo

$31,000 $31,000 $31,000 $31,000 $31,000 $31,000Payment

one

Year 5 Assessment

p14 p15

Example of a member being capable of returning to workFollowing acceptance of the TPD Assist claim by the insurer, Tom receives his initial annual support payment of $31,000 (each equal to one sixth of Tom’s TPD Assist cover amount). Tom’s initial rehabilitation was unsuccessful and Tom continued to meet the TPD Assist definition at the first two annual assessment dates. In year three Tom was successfully capable of returning to work and returned to active employment.

Tom is now 43 years old. The default Death and TPD Assist cover amount for a 43 year old is $152,000. To date he has been paid a total of $93,000 in annual support payments. His remaining Death and TPD Assist cover is calculated as $152,000-$93,000=$59,000.

Initial Approval

Year 1 Assessment

Year 2 Assessment

Year 3 Assessment

Year 4 Assessment

Claimant can not return to work

Participates in rehab

Claimant can return to work

Return to Death & TPDAssist coverPayment

threePayment

twoPayment

one

Year 5 Assessment





$31,000 $31,000 $31,000

What happens if I am capable of returning to work within the five years?If you return to work or become capable of returning to work (i.e. no longer meeting the TPD Assist definition), part way through the five year payment cycle the annual support payments will cease.

Any remaining Death and TPD Assist cover may continue and will be calculated in line with the cover detailed in Premium table 1, the cover provided will be based on your current age minus the total of any annual support payments paid during your claim. Premiums are adjusted accordingly.

What happens after the six annual support payments are made?Where you have claimed benefits under the TPD Assist cover, and all six annual support payments have been made, you will cease to be covered under Death and TPD Assist cover1.1 Any Death cover in excess of the TPD Assist cover will still continue.

What can prevent an annual support payment from being paid?Where you have previously received annual support payment\s, you may not be able to receive any more payments if:

• you no longer satisfy the definition of TPD Assist as assessed by the insurer,

• the date the TPD Assist cover reduces to nil, following payment of the full TPD Assist benefit,

• you die, or

• you are paid a Terminal Illness benefit.

Recurrent events and separate claimsFollowing a claim ceasing prior to the full six annual support payments being made, if you make, and are accepted for another claim arising from the same or related cause as the prior TPD Assist claim, the further claim will be:

a. deemed to be a continuation of the original claim if made within 12 months from the date you ceased to satisfy the TPD Assist definition. annual support payments will continue unaltered, or

b. treated as a separate claim if it occurred more than 12 months after ceasing to satisfy the TPD Assist definition. The annual support payments will be adjusted to the cover level at the new Date of Disablement and will be paid out as up to six annual support payments over a minimum of a five year period.

If you make a claim arising from an unrelated cause as the prior TPD Assist claim, the second claim will be treated as a separate claim. The annual support payments will be adjusted to the cover level at the new Date of Disablement and will be paid out as up to six annual support payments over a minimum of a five year period.

You are entitled to claim TPD Assist benefits up to a maximum of two separate claims.

No premium requiredWhile on a TPD Assist claim you don’t have to worry about paying your premiums for Death and TPD Assist. Following a claim ceasing the cost of any remaining cover will be calculated weekly and normally deducted from your Super-savings account each month.

New Member options - Increase your Death and TPD Assist cover by 50%

How does this New Member option work? Within 120 days of joining Sunsuper you have the opportunity to increase your Death and TPD Assist or White Collar cover by 50% for an increase in premium of 50% without complicated forms and medical information.

If you increase your cover using the New Member option, and are approved by the insurer, your increased cover levels and premiums will start from the day your Death and TPD Assist cover starts. Any premiums associated with the change will be charged in addition to your default cover premiums.

How do I apply for this New Member option? You can choose this option on joining Sunsuper when you join online or you can apply by completing and returning your Membership application form within the first 120 days of joining Sunsuper.

How much cover do you get and what does it cost? The amount and cost of cover you receive depends on your age and type of cover and will alter at certain ages. The table below is an example of increasing your Death and TPD Assist cover using the New Member option.

Total cover and cost after 50% increase in Death and TPD Assist cover levels (example)

Your age

Cover ($) Cost per Week ($)

Death TPD Assist Male Female

15 93,750 187,500 3.42 2.04

25 187,500 262,500 5.88 4.02

35 360,000 360,000 10.62 7.26

45 198,000 198,000 12.66 10.14

55 63,000 63,000 12.66 10.14

65 24,000 24,000 12.66 10.14

To find out which level of cover and premium applies to you take a look at the Premium table 2. TPD Assist cover ends at age 67.

Premiums are calculated weekly and normally deducted from your Super-savings account each month.

Exclusions and restrictionsA Death, TPD Assist or Terminal Illness benefit will not be paid:

• where caused by suicide or any intentional self-inflicted act within 12 months of your insurance cover start date where cover commenced more than 120 days after the date you joined your employer,

• where you become TPD and notify Sunsuper more than five years after your Date of Disablement,

• you are deployed to a hostile environment as part of active military service,

• you are employed under the terms of a work visa and it expires, or you permanently depart Australia (whichever is earlier),

• if benefits have ceased after a second TPD Assist claim period, or

• prior to joining Sunsuper you had received a Terminal Illness benefit, TPD benefit or a benefit as a result of Permanent Incapacity or a Terminal Medical Condition.

Limited Cover will also apply to any increase in your Death and TPD Assist cover as a result of you choosing the New Member option. Limited Cover will be for a period of 24 months and until you having been At Work for 30 consecutive days after the end of the 24 month period. Please refer to the definition of Limited Cover and At Work in 10 Definitions.

White collar coverWhite collar cover entitles you to 50% more Death and TPD Assist cover at no additional cost to you. Refer to page 16 for more details.

When you join Sunsuper, you have 120 days in which you can increase your cover without complicated forms and medical information.

p16 p17

White Collar cover Life and Age Event options

How does White Collar cover work? White Collar cover entitles you to 50% more cover than Death and TPD Assist cover at no additional cost to you.

White Collar cover can also apply to any increase in Death and TPD Assist cover as a result of your New Member option (increase your Death and TPD cover by 50%) and your Life and Age Events.

Am I eligible for White Collar cover? To be eligible for White Collar cover:

• you must be permanently employed, and working at least 15 hours per week,

• at least 80% of the work you perform is in an office environment (excluding travel from one job to another), and

• you must be performing duties limited to clerical, administration, managerial (or similar) which do not involve more than 10% light manual duties.

How do I apply for White Collar cover?You can apply,

• by completing the questions when you join online, or

• by completing the White Collar eligibility question on your Membership application form, or

• by completing the White Collar application form. You can get a copy of this form by visiting sunsuper.com.au/insuranceforms or calling 13 11 84.

When does White Collar cover start? If you apply within 120 days of joining Sunsuper, your White Collar cover will start from your insurance cover start date. If you apply for White Collar cover after 120 days of joining Sunsuper, your White Collar cover will start from the date the insurer accepts your application.

How much cover do you get? You get 50% more cover than Death and TPD Assist cover at no additional cost to you. The following table is an example of White Collar cover.

White Collar cover levels (example)

Your age

Death and TPD Assist cover ($) White Collar cover ($)

Death TPD Assist Death TPD Assist

15 62,500 125,000 93,750 187,500

25 125,000 175,000 187,500 262,500

35 240,000 240,000 360,000 360,000

45 132,000 132,000 198,000 198,000

55 42,000 42,000 63,000 63,000

65 16,000 16,000 24,000 24,000

To find out which level of cover and premium applies to you take a look at the Premium table 2. TPD Assist cover ends at age 67.



• where caused by suicide or any intentional self-inflicted act within 12 months of your insurance cover start date where cover commenced more than 120 days after the date you joined your employer,





• if prior to joining Sunsuper you had received a Terminal Illness benefit, TPD benefit or a benefit as a result of Permanent Incapacity or a Terminal Medical Condition.

Limited Cover will also apply to any increase in your Death and TPD Assist cover as a result of you choosing the New Member option. Limited Cover will be for a period of 24 months and until you having been At Work for 30 consecutive days after the end of the 24 month period. Please refer to the definition of Limited Cover and At Work in 10 Definitions.

When your life changes your Life and Age Event options give you the opportunity to increase your Death and TPD Assist cover at the times in your life when it matters the most.

You can apply to increase your Death and TPD Assist cover or White Collar cover by 25% at each Event. This will increase your premiums by an extra 25%1 of your weekly premium per event. You can apply up to four times for Life Events, plus you may have up to three opportunities to increase your cover with Age Events.1 The amount you can apply for is equal to 25% of the Death and TPD Assist or White

Collar cover you are eligible for at the age you are accepted for the increase.

When can you increase your cover? To increase your cover you must apply within 180 days following one of the Life or Age Events occurring. The Life and Age Event options apply to your existing Death and TPD Assist cover, White Collar cover, Death only or TPD Assist only cover.

You are not eligible to apply for a Life and Age Event if you have previously received or are eligible to receive a TPD Assist benefit as a result of total and permanent disablement from Sunsuper.

Life Event options1

• you get married,2

• you have or adopt a child,

• you take out a mortgage3 to buy or build your home or you increase your current mortgage3 by $100,000 or more,

• you get divorced, or

• the death of your spouse.1 You can only apply for Life Event options up to age 67. 2 Marriage as defined by the Marriage Act 1961 (Cth). 3 The mortgage must be with a financial institution and for your principal place

of residence.

Age Event options • you turn 30, 40 or 50.

Increasing your cover with Life or Age Event options A Life and Age Event insurance options form is available at sunsuper.com.au/lifeevents. For the Life Event option(s) you are applying for, you’ll need to provide to us proof of the Life Event.

Life Event Evidence required

Marriage Copy of marriage certificate

Birth or adoption of a child

Copy of child’s birth certificate or adoption papers

Mortgage increase on my home

Copy of mortgage documents signed by you

Mortgage to purchase my home

Copy of mortgage documents signed by you

Divorce Copy of divorce certificate

Death of your spouse Copy of your spouse’s death certificate

If accepted by the insurer, each Life or Age Event will increase your Death and TPD Assist cover or White Collar cover by the Life and Age Event increase amount shown in the Premium table 3 on page 40. The amounts shown in Premium table 3 are equal to 25% of the Death and TPD Assist cover or White Collar cover you are eligible for at the age you are accepted for the increase. The increased amounts are based on your type of cover at the time of your application (Death only, TPD Assist only or Death and TPD Assist).

The Life and Age Events option does not apply to members with Tailored Death and/or TPD cover.


• where caused by suicide or any intentional self-inflicted act within 12 months of your Death and TPD Assist cover or White Collar cover increases as a result of a Life or Age Event,





• if prior to an increase as a result of a Life or Age Event you had received a TPD Assist benefit from Sunsuper.

Limited Cover will apply to the increase in your Death and TPD Assist cover or White Collar cover as a result of a Life or Age Event for 24 months from the date of acceptance, and you will also need to be At Work for 30 consecutive days after this 24 month period before Limited Cover restrictions are lifted. Please refer to the definition of Limited Cover and At Work in 10 Definitions.

Get 50% more cover than Death and TPD Assist at no additional cost.

Increase your cover at the times in your life when it matters most.

p18 p19

What is the cost if I change my cover with Life and Age Event options and when is it paid? If you change your cover using one of the Life or Age Event options and are accepted by the insurer your changed cover levels and premiums will start from the date your application is accepted by the insurer.

Examples of the cover levels for Life and Age Event Options and premiumsAny premiums associated with the change will be charged in addition to your existing premiums and will be calculated weekly and normally deducted from your Super-savings account monthly. The following table shows the increased cover and premiums for the addition of one Life or Age Event. Further Life or Age Events will result in similar increases in cover and premiums.

Your age

Current Death and TPD Assist Cover ($)

Life and Age Event ($)

New Death and TPD Assist cover ($)

Current Cost per Week ($)

New Cost per Week ($)

Death TPD Assist Death TPD

Assist Death TPD Assist Male Female Male Female

15 62,500 125,000 15,625 31,250 78,125 156,250 2.28 1.36 2.85 1.70

25 125,000 175,000 31,250 43,750 156,250 218,750 3.92 2.68 4.90 3.35

35 240,000 240,000 60,000 60,000 300,000 300,000 7.08 4.84 8.85 6.05

45 132,000 132,000 33,000 33,000 165,000 165,000 8.44 6.76 10.55 8.45

55 42,000 42,000 10,500 10,500 52,500 52,500 8.44 6.76 10.55 8.45

65 16,000 16,000 4,000 4,000 20,000 20,000 8.44 6.76 10.55 8.45

Refer to Premium table 3 for the full details of Life and Age Event options cover and premium tables. TPD Assist cover ends at age 67.

Have you had a Life or Age event?Visit sunsuper.com.au/lifeevents to find out how to increase your cover and for the relevant form. For further information please call us on 13 11 84.

Tailored Death and TPD cover

Tailored Death coverIf you die, your dependants or beneficiaries may receive a lump sum. This includes Terminal Illness.

Types of cover available • Tailored Death only (this includes Terminal Illness),

• Tailored Death and TPD,

• Tailored TPD only.

How much can I apply for?You can apply for either Tailored Death only cover or Tailored TPD only cover or Tailored Death and TPD cover up to the following maximum cover limits:

• Death cover: Unlimited

• Terminal Illness: $5 million (this forms part of the Death cover)

• TPD cover: $3 million

Any application for insurance cover is subject to acceptance by the insurer. Satisfactory evidence of health may be required. Sunsuper reserves the right to limit the amount of cover provided.

What is Tailored Total and Permanent Disablement (TPD) cover? Sunsuper’s Tailored TPD cover is here to help minimise the impacts of severe injury or sickness that leaves you occupationally or physically disabled.

Tailored TPD cover pays you a lump sum in the event that you become totally and permanently disabled. The term ‘totally and permanently disabled’ generally means that due to injury or sickness you will be unable to ever work again in any occupation for which you are suited by training, education or experience. If your TPD claim is approved, you are usually able to withdraw your superannuation account balance and any insured benefit, helping you to fund any special medical needs, and assist in the cost of living.

What happens if you believe you are totally and permanently disabled?If you believe that you may be eligible to apply for a Tailored TPD claim, we are here to help you along the way.

In order to lodge a claim you would need to be under the care of a Medical Practitioner and suffering from an ongoing and serious injury or sickness that is permanently preventing you from working or from performing specified Activities. See 10 Definitions for the Tailored TPD definition.

Our Claims Representatives are here to help you every step of the way and will confirm your eligibility to lodge a claim. Following lodgement of your claim application, the Insurer will assess whether your claim is successful.

Eligibility to claim If you become totally and permanently disabled you will only be eligible to make a TPD claim if you notify Sunsuper of your Tailored TPD claim within five years from your Date of Disablement. Warning: If you notify Sunsuper of your Tailored TPD claim outside this period you will be ineligible for an insurance benefit payment under Tailored TPD.

What benefits are paid out if you are totally and permanently disabled?If you are totally and permanently disabled, and meet the Tailored TPD definition, your Tailored TPD cover as at the Date of Disablement will be payable. You may also be able to access your Sunsuper for life account balance.

Payment of any Tailored TPD benefit will reduce the Death cover by the amount paid as a TPD benefit.

In limited circumstances you will not be eligible to claim on the Tailored Death and TPD insurance cover through Sunsuper. See 4 Am I eligible for insurance cover? And 10Definitions for the Employed (TPD) definition.

Within 12 months of the start date of your Tailored TPD cover you will not be eligible to claim where your total and permanent disablement results from attempted suicide or from an intentional self-inflicted injury.

Tailored TPDIf you are permanently disabled, you may receive a lump sum benefit.

It’s simple, you can apply for Tailored Death, TPD and IP cover anytime.Just visit sunsuper.com.au/memberonline, select Insurance and follow the prompts to apply.

If you’re not signed up for Member Online — it’s simple — just register at sunsuper.com.au/register or contact us and we’ll have you set up in no time.

If you would prefer filling in a paper application simply download and complete the Tailored Insurance Application form and return it to us. The form is available at sunsuper.com.au/insuranceforms

Tailor your insurance cover to suit your individual circumstances with Sunsuper’s Tailored Death and TPD cover.

p20 p21

Interim Accident coverUp to 90 days interim Accidental Death and/or Accidental TPD cover will apply immediately from the date we receive your completed Tailored Insurance cover application form. See 10 Definitions for the definition of Accident.

No premium is charged for the interim Accident cover. The interim cover ends on the earlier of acceptance, deferral or rejection of your application for Tailored cover or 90 days from receipt of your application.

The amount of interim Accident cover is the lesser of the amount of Tailored cover you are applying for and $2 million. No interim Accident cover will be paid if during the interim period, death or disability is caused directly or indirectly by engaging in any sport or pastime that the Insurer would not normally cover at standard rates or any other exclusions under the policy.

What are the Occupational Categories?When you apply for Tailored Death and TPD cover the Insurer will determine your Occupational category based on your occupation at the time. When calculating your insurance premium for Tailored cover, an occupational loading will be applied based on your occupational category. Refer to 10 Definitions which briefly describes how Occupational Categories are determined.

How is the premium calculated?If Tailored cover is approved and you already have Death and TPD Assist cover, the premium for your Death and TPD Assist insurance cover no longer applies. All of your cover will convert to a premium based on your occupational classification. This means you will pay a different premium to the premium you previously paid for the same amount of existing cover because of your occupation.

The factors that determine the cost you will pay for your Tailored insurance cover are:

• the type of cover,

• the amount and basis of cover,

• your occupation (see page 29),

• your health (see page 22),

• your age, and

• your gender.

Premium table 4 on page 41 shows the premiums for Tailored Death and TPD cover and the Occupational Categories as determined by the insurer. In calculating your premium, the premium is applicable to all your Death and TPD (or Death only or TPD only) cover and assumes you are in good health. Premiums are calculated weekly and normally deducted from your Super-savings account balance each month. To ensure you have sufficient money in your Super-savings account so that your insurance cover does not lapse, you should maintain a minimum Super-savings account balance of $1,500, in addition to any fees owing, at all times.

An example of how to calculate Tailored Death and TPD premiums: Jayne decides she needs cover of $1,000,000 and applies for Tailored Death and TPD cover. She is in good health and is a technical writer. The insurer accepts her application for cover based on the occupational category of White.

To calculate Jayne’s weekly premium on cover of $1,000,000 you need to:

1. Use the Tailored Death and TPD cover Premium table 4 on page 41 to find the premium applicable for the type of cover, age and gender.

2. Use the Occupational rating categories table on page 41 to find the occupational rating categories.3. Calculate the Death premium:

[Death premium rate x (Death cover / 1000) x Death occupational rating] / 52 4. Calculate the TPD premium:

[TPD premium rate x (TPD cover / 1000) x TPD occupational rating] / 52

Remember Jayne is 30, female and falls into the occupational category of White. Therefore her premiums are:

Death premium = [0.21 x ($1,000,000 / $1,000) x 1.00] / 52 = $4.04 per week

TPD premium = [0.17 x ($1,000,000 / $1,000) x 1.00] / 52 = $3.27 per week

Add the weekly Death and TPD premiums = ($4.04 + $3.27)

Therefore Jayne’s weekly premium for $1,000,000 of Tailored Death and TPD cover is $7.31 per week.

Jayne now has to decide if she would like Fixed Cover or Fixed Premium insurance – please refer to Amount and basis for insurance cover on the next page.

Note: Rounding variations may occur when calculating premiums. Premiums per week are displayed as rounded up to the next whole cent.

Amount and basis for insurance coverOnce you have decided on the amount of cover that best suits your circumstances and needs, you then need to determine the basis on which you want this insurance cover. For Tailored Death and TPD cover you can choose either a:

• Fixed Cover basis, or

• Fixed Premium basis.

A Fixed Cover basis means your amount of insurance cover stays the same, but your weekly premium will generally increase as you get older. In the example provided, Jayne’s cover will remain $1,000,000 and her weekly premium will alter at certain ages.

A Fixed Premium basis means your weekly premium stays the same, but your insurance cover will generally decrease as you get older. Jayne’s premium would remain $7.31 a week but the amount she is covered for will generally decrease each year.

If you don’t make a choice, your cover will be provided on a Fixed Cover basis.

Tailored TPD cover reduction on Fixed Cover basisWith cover provided on a Fixed Cover basis, the amount of your Tailored TPD cover will reduce by 10% each year from age 61. Your premiums are adjusted accordingly. An example is shown below. If you have $200,000 of fixed TPD cover, your Tailored TPD cover will reduce as follows:

Your age TPD cover ($)

60 200,000

61 180,000

62 160,000

63 140,000

64 120,000

65 100,000

66 80,000

67 nil

Transferring your Death and TPD insurance coverYou may be eligible to transfer existing Death and/or TPD cover (from other super funds or insurance policies up to $1,000,000) to Sunsuper. To transfer your existing cover please complete and return the Transfer of insurance cover form found in the back of this guide.

You will not be eligible to transfer your cover if:

• you have previously had an application for additional insurance cover declined,

• you have been paid, lodged or eligible to lodge any TPD, Permanent Incapacity, Terminal Illness or IP claim, or

• you are absent from work or unable to carry out all of the duties of your usual occupation due to an injury or illness at the transfer date.

It’s important you include all required documentation, which will include:

• a letter or certificate of currency from your superannuation fund or insurance provider detailing your current insurance cover,

• details of any loadings, exclusions and restrictions applicable to that cover, and

• the confirmation must have been issued within 30 days of your application.

If accepted by the insurer:

• you will be subject to the terms and conditions outlined in the Group Life Insurance policy provided by AIA Australia,

• the transferred cover will be additional to any existing insurance cover you have subject to maximum cover limits on page 19,

• you will need to cancel the cover you had under your previous fund or policy, and

• your total cover will become Tailored Death and/or TPD cover and will be Fixed Cover.

If you are thinking about transferring your existing insurance cover, make sure you compare the features and benefits, and are accepted by Sunsuper’s insurer, before cancelling existing cover.

p22 p23

Can your health affect your insurance cover?When the insurer assesses your application for Tailored insurance cover, they may ask for further details in relation to the information you disclose in your Tailored insurance application.

As a condition of acceptance of the Tailored insurance cover, the insurer may apply a loading (a higher premium) for the increased amount of Death and/or TPD insurance cover. The insurer may also specify a benefit exclusion that will apply if a claim for the increased amount of insurance is related to a specified condition or pastime.

Any premium loadings or benefit exclusions will be advised to you at the time the insurer accepts your application for Tailored insurance cover. Any premium loading or benefit exclusion will apply to your total insured amount. You should advise Sunsuper within 30 days if you decide that you do not wish to proceed with the application for Tailored cover.

Can you change your Occupational Category?If your occupation changes so you are in a less manual or less hazardous occupation, you can apply for a new occupational category by completing an Occupational rating form (visit sunsuper.com.au/insuranceforms). This may result in a reduction in your premiums (Fixed Cover) or increased cover (Fixed Premium). Where you currently have Fixed Premium and have an occupational category of Hazardous, a change in your occupational category may result in a lower premium; however your levels of cover will remain the same.

When does Tailored Death and TPD insurance cover start?Your Tailored Death and TPD insurance cover will start from the date the insurer accepts your application, provided you have enough money in your Super-savings account to pay insurance premiums. If you do not have enough money in your Super-savings account to pay premiums, you will be notified of the conditions that apply to you. The assessment process, known as “underwriting”, usually takes some time especially where additional medical information is required. The “underwriting” process depends on your level of cover and the amount of health evidence required.

Exclusions and restrictionsA Tailored Death, TPD or Terminal Illness benefit will not be paid:

• where caused by suicide or any intentional self-inflicted act within 12 months of the insurer’s acceptance of the additional Tailored cover. This restriction applies only to the amount above your previous level of cover,



• if you are employed under the terms of a work visa and the term of the visa expires, or you permanently depart Australia (whichever is earlier), or

• if subject to any restriction or exclusion imposed as a condition of acceptance by the insurer at time of application for Tailored cover.

Any restrictions or exclusions on your previous cover amounts will continue.

Conditions and Exclusions

When does Death and TPD insurance cover stop?Cover will stop when:

• you cancel it,

• you turn 70 years of age for Death cover,

• you turn 67 years of age for TPD Assist or Tailored TPD cover,1

• you die,

• you are paid a Tailored TPD insurance benefit2,

• you are paid all six annual support payments under the TPD Assist benefit,2

• the total of annual support payments paid under the TPD Assist benefit exceed your Death cover. Death cover will cease, TPD Assist cover will continue while you continue to meet the TPD Assist definition,

• in respect to TPD Assist cover, the date benefits cease due to you no longer meeting the TPD Assist definition during a second claim period (with the exception of a Recurrent Event within 12 months),

• you withdraw all monies from Sunsuper,

• the policy issued to the Trustee is cancelled or terminated for any reason,

• you are paid a Terminal Illness benefit2 where the full Death benefit cover is paid,

• you are employed under the terms of a work visa and the term of the visa expires, or you permanently depart Australia (whichever is earlier),

• your Super-savings account balance is low and inactive (normally this will be when your balance is less than $1,500 and employer contributions have not been received for 12 months, unless we have agreed otherwise). Where we have valid contact details, we will contact you advising the date your cover will stop. To avoid your cover stopping in this way, you should maintain your Super-savings account balance above $1,500 or ensure regular employer contributions are paid into your Super-savings account, or

• the premium is due and there is not enough money in your Super-savings account to pay the premiums, and it remains unpaid for 4 months.

1 Special conditions may apply to some members.

2 Death cover in excess of the TPD Assist or Tailored TPD cover or Terminal Illness benefit will still continue.

It is your responsibility to check there is always enough money in your Super-savings account to pay insurance premiums.

Can Death and TPD cover restart if it lapses?Where insurance cover has stopped because:

• your Super-savings account balance is low and inactive, and/or

• there was insufficient money in your Super-savings account to pay the premiums,

the receipt of an SG contribution will restart Death and TPD Assist cover from the date of receipt of the SG contribution. Death and TPD Assist cover will restart as per the cover levels detailed in Premium table 1. Limited Cover will apply until you satisfy the At Work requirements for 30 consecutive days.

If you cancelled your cover or have cover in excess of the default Death and TPD Assist cover (i.e. Tailored Death and TPD cover), satisfactory evidence of health will be required to restart cover.

What benefits are paid out if you die?Your Death benefit is the amount of your Sunsuper for life account balance plus the total amount of your Death cover.

Any benefit payment for your Death cover is subject to acceptance of the claim by the insurer.

In limited circumstances you will not be eligible to claim on the Death and TPD Assist cover through Sunsuper. See 4 Am I eligible for insurance cover?

In the event of your death, your Death benefit may be paid to your nominated beneficiaries (subject to Trustee discretion — unless you have elected a binding death benefit nomination).

Within 12 months of the start of your Death and TPD Assist or White Collar Death cover, where your insurance cover start date is more than 120 days after the date you join your employer, or the start of your Tailored Death cover or increased cover as a result of a Life or Age Event, you will not be eligible to claim where your death results from suicide or from an intentional self-inflicted injury.

p24 p25

What happens if you have a Terminal Illness?Subject to providing all the required documentation to support your claim and approval by the Trustee and Insurer, if your Death cover is in force at the date of the most recent certification of the Terminal Illness by two registered Medical Practitioners (one being a specialist physician in the particular medical field), you will be paid a Terminal Illness benefit. Terminal Illness means you are suffering from an illness, or have incurred an injury, that is likely to result in your death within a period of 24 months.

If you have Death cover and the insurer accepts your claim for Terminal Illness, the benefit paid is the amount of your Sunsuper for life account balance plus the amount of your Death cover in force at the most recent certification (up to a maximum of $5 million). The remaining amount of Death cover (if any) is then your total Death cover, less the amount of insurance cover paid by the insurer on account of your Terminal Illness benefit.

If you have received or are eligible to receive a Terminal Illness benefit or a benefit as a result of a Terminal Medical Condition from Sunsuper, or another fund or insurer when you join Sunsuper, you will not be eligible for Death or TPD cover with Sunsuper.

What happens if I want to reduce or cancel my cover?If you don’t want Death and TPD Assist, White Collar or Tailored cover, or you just want to reduce your cover, you need to let us know in writing or by calling us on 13 11 84. The cancellation or reduction will be effective from the date your instruction is received.

If you cancel your Death and TPD Assist cover within 60 days of the day cover commences, any premiums paid for your Death and TPD Assist will be refunded to your Super-savings account.

If you hold Death and TPD Assist cover and you wish to reduce your cover you must maintain a minimum level equal to 25% of your Death and TPD Assist cover.

If you cancel your cover, evidence of health satisfactory to the insurer will be required before cover can restart from the date accepted by the insurer.

What happens during Unpaid Leave or parental leave?Your Death and TPD cover will continue. During the first 24 months of leave, the TPD definition that will generally apply will be the definition that applied while you were working. If your period of leave continues past 24 months your cover will continue. However, you may be assessed under a different part of the TPD definition - refer to 10 Definitions for the TPD definition. Premiums will continue to be deducted from your Super-savings account during the period of leave. You need to ensure you have enough money in your Super-savings account during the period of leave to pay your premiums.

Where you temporarily reside overseas during a period of Unpaid Leave, your cover will continue as described on this page. Refer to the definition of Unpaid Leave in 10 Definitions.

What happens if your work situation changes or you leave your employer?Your existing Death and TPD cover will continue when you leave your employer. Premiums will continue to be deducted from your Super-savings account balance.

However, it is important that you notify us if:

• you change occupation,

• your income changes, or

• you change employer,

so that we can update your records and determine the impact of any changes.

You must let us know if you wish to cancel your Death and TPD insurance cover.

What happens if you are employed under the terms of a work visa?Employees employed under the terms of a work visa are eligible for Death and TPD Assist cover and may also apply for Tailored cover.

What happens if you travel overseas on paid leave?Where you travel overseas while on paid leave from your Australian-based employer (or an international subsidiary or associated company of your Australian employer), your Death and TPD cover continues with no travel restrictions.

What happens if you temporarily reside overseas?Your Death and TPD cover will continue while temporarily residing overseas. If you become disabled while based overseas you may be required to return to Australia at your own expense for assessment of any disablement claim. The TPD definition used in the event of a claim will depend on your employment status at the time of becoming disabled. Under the TPD definition Employed means you are working at least 15 hours per week.


6 Income protection (IP) cover

IP cover is designed to protect you by providing an income for a time period in the event you are unable to work due to injury or sickness. It can give you the peace of mind that you can pay your expenses while you focus on your health and recovery.

Comparing our Income protection options

Feature Opt In IP Tailored IP

Cover obtained Opt in1 By application

Benefit Period 2 years2 years, 5 years,

to age 65

Waiting Period 90 days30, 60, 90, 180

days

Cover up to age 65

Covers Self-Employed members

x

Partial disablement payments

Indexation of Cover x

Occupation categories 2 6

Indexation of IP claim benefits

x 3

Occupational Rehabilitation support

Cover during paid and Unpaid leave2

Cover during overseas employment

Limited cover24 months and 30 day At Work

requirementx

Maximum cover per month

$5,000 ($7,500 if you have White

Collar cover)$30,000

Premium waiver when on claim

1 Within 120 days of joining Sunsuper you can apply to add Opt In IP cover. Refer to New Member options.

2 IP cover will stop where your period of Unpaid Leave or parental leave exceeds 24 months.3 Indexation applied to Benefit Periods greater than two years.

How to applyYou can apply for an amount up to 85% of your Income (75% of your Income plus 10% superannuation contribution) but not more than the maximum cover per month. Income is defined in 10 Definitions.

Opt In IPYou must apply within 120 days of joining Sunsuper. You can apply when you join online at sunsuper.com.au/join

If you would prefer filling in a paper application please complete and return the New Member Options form at sunsuper.com.au/insuranceforms

Tailored IPYou can apply for cover through Member Online. To log into Member Online visit sunsuper.com.au/memberonline. If you’re not signed up for Member Online — it’s simple — just register at sunsuper.com.au/register or contact us and we’ll have you set up in no time.

If you would prefer filling in a paper application the Tailored insurance application is available at sunsuper.com.au/insuranceforms.

p26 p27

New Member options - Opt In IP cover

How does Opt In IP cover work? Opt In IP cover provides you with a replacement income, after a Waiting Period of 90 days, for up to two years if you are unable to work due to injury or sickness.

The Waiting Period commences from the date a Medical Practitioner certifies you are Totally Disabled and unable to work as determined by the insurer. Benefit payments will start accruing when the Waiting Period ends and are paid monthly in arrears.

Your amount of cover is a fixed monthly benefit amount. Your cover amount is calculated as 85% of your Income, rounded up to the next $500. The weekly cost per $500 of cover is shown on Premium table 5.

The maximum monthly benefit for Opt In IP cover is $5,000. You will be provided with a monthly benefit of $2,500 where you do not provide details of your Income.

Am I eligible for Opt In IP cover?To be eligible for Opt In IP cover you must be permanently employed for at least 15 hours per week and aged between 15 and 64.

You are not eligible for Opt In IP cover if:

• you are not permanently employed for at least 15 hours per week,

• you are a casual employee,

• you are a contract employee,

• you are Self-Employed,

• you are employed under the terms of a work visa, or

• your financial affairs are under the supervision of a third party, such as the public trustee, due to your medical condition or incapacity.

You are also not eligible to apply for Opt In IP cover if you have previously received or are eligible to receive a Terminal Illness, TPD benefit or a benefit as a result of Permanent Incapacity or a Terminal Medical Condition from Sunsuper or another fund or insurer.

How do I apply for Opt In IP cover? You must apply within 120 days of joining Sunsuper.

You can apply when you join online at sunsuper.com.au/join

If you would prefer filling in a paper application please complete and return the New Member Options form at sunsuper.com.au/insuranceforms

Things to consider• Premiums generally increase with age.

• IP benefits are taxable income and subject to Pay As You Go (PAYG) tax.

• You may also have the added advantage of insurance premiums offsetting your 15% contributions tax liability.

• An IP benefit is not paid during the Waiting Period.

How much does it cost? The cost of cover depends on your age and gender and will increase at certain ages. Any premium change will occur when cover alters at certain ages.

Opt In IP weekly premium rates (example)

Your ageIP premium ($) per week

(per $500 monthly benefit)

Male Female

15-35 0.27 0.40

45 0.60 1.00

55 1.50 2.00

65 N/A N/A

To find out which premium applies to you take a look at the Premium table 5 on page 42. To calculate your weekly premium simply divide your cover amount by $500 and multiply by the IP premium.


Exclusions and restrictions An IP benefit will not be paid if the injury or sickness is caused, wholly or partly, directly or indirectly, from:

• deliberate self-inflicted injury or attempted suicide or self-destruction while sane or insane,

• uncomplicated pregnancy, childbirth or miscarriage,

• your deployment to a hostile environment as part of active military service,

• a criminal act committed by you, or

• a fraudulent claim is made.

Limited Cover will apply to your Opt In IP cover for a period of 24 months and until you have been At Work for 30 consecutive days after the end of the 24 month period. Please refer to the definition of Limited Cover and At Work in 10 Definitions.

Example of how to calculate your Opt In IP cover and premium:Jack is 45 when he joins Sunsuper. He applies for Opt In IP cover on his Membership application form or when he joins online. Jack’s salary is $80,000 p.a.

To calculate Jack’s Opt In IP cover and his weekly premium, follow the following steps and refer to Premium table 5 on page 42.

1. Determine Jack’s monthly benefit – Income x 85% / 12 (rounded up to the next $500).

2. Divide the monthly benefit by $500.

3. Multiply 2. by the weekly premium – refer to Premium table 5 on page 42.

Jack’s cover and weekly premium will be:

1. $80,000 x 85% / 12 = $6,000. Maximum monthly Opt In IP cover = $5,000 monthly benefit.

2. $5,000 / $500 = 10.

3. 10 x $0.60 = $6.00 per week.

White Collar IP cover

How does White Collar cover work?If accepted, White Collar cover may entitle you to IP cover at a reduced cost. Depending on your income level it may also entitle you to more cover than Opt In IP cover. The maximum monthly benefit for White Collar IP cover is $7,500. Your monthly benefit is limited to 85% of your Income.

White Collar cover provides you with a monthly benefit, after a Waiting Period of 90 days, for up to two years if you are unable to work due to injury or sickness.

The Waiting Period commences from the date a Medical Practitioner certifies you are Totally Disabled and unable to work as determined by the insurer. Benefit payments will start accruing when the Waiting Period ends and are paid monthly in arrears.

Your amount of cover is a fixed monthly benefit amount. Your cover amount is calculated as 85% of your Income, rounded up to the next $500. The weekly cost per $500 of cover is shown on Premium table 5 on page 42.

Am I eligible for White Collar cover?To be eligible for White Collar cover:

• you must be permanently employed, and working at least 15 hours per week,


• you must be performing duties limited to clerical, administration, managerial (or similar) which do not involve more than 10% light manual duties.

How do I apply for White Collar cover? You can apply,

• by completing the questions when you join online, or

• by completing the White Collar eligibility question on your Membership application form, or

• by completing the White Collar application form. You can get a copy of this form at sunsuper.com.au/insuranceforms or calling 13 11 84.

When does White Collar cover start? If you apply within 120 days of joining Sunsuper, your White Collar cover will start from your insurance cover start date. If you apply for White Collar cover after 120 days of joining Sunsuper, your White Collar cover will start from the date the insurer accepts your application.

How much does it cost? The cost of cover depends on your age and gender and will increase at certain ages. Any premium change will occur on your birthday.

White Collar IP weekly premium rates (example)

Your ageIP premium ($) per week

(per $500 monthly benefit)

Male Female

15 0.18 0.27

25 0.18 0.27

35 0.18 0.27

45 0.40 0.67

55 1.00 1.33

To find out which premium applies to you take a look at the Premium table 5 on page 42. To calculate your weekly premium simply divide your monthly cover amount by $500 and multiply by the IP premium.


Exclusions and restrictions An IP benefit will not be paid if the injury or sickness is caused, wholly or partly, directly or indirectly, from:



• your deployment to a hostile environment as part of active military service, or

• a criminal act committed by you, or


Limited Cover will apply to your White Collar IP cover for a period of 24 months and until you have been At Work for 30 consecutive days after the end of the 24 month period. Please refer to the definition of Limited Cover and At Work in 10 Definitions.

When you join Sunsuper, you have 120 days in which you can add Opt In IP cover without complicated forms and medical information.

IP cover at a reduced cost.

p28 p29

Tailored IP cover

How does Tailored IP cover work?If you’re not eligible for the New Member option of Opt In IP cover, or you have previously cancelled your cover and want to reapply, or you simply want to change the level of your IP insurance cover you may apply for Tailored IP cover.

Tailored IP cover will provide you with an income if you are unable to work because of your injury or sickness, known as becoming Totally Disabled. Totally Disabled (or Total Disability) is defined in 10 Definitions.

You can choose the length of your Benefit Period and Waiting Period. IP cover provides you with monthly income for up to 2 years, 5 years or to age 65 after a Waiting Period of either 30, 60, 90 or 180 days, upon acceptance by the insurer of your inability to work due to injury or sickness. Payments are made monthly in arrears after the conclusion of the Waiting Period.

Am I eligible to apply for Tailored IP cover?You are eligible for Tailored IP cover if you are aged 15 to 64 and working at least 15 hours per week and:

• you are permanently employed, or

• you are Self-Employed, or

• you are working in Australia under the terms of a work visa. Your Benefit Period will be limited to your legal eligibility to work in Australia.

Casuals and contractors can apply for Tailored IP cover but restrictions may apply.

Any application for IP cover is subject to acceptance by the insurer. Satisfactory evidence of health will be required. Sunsuper reserves the right to limit the amount of Tailored IP cover provided. Contact us on 13 11 84 for more information.

Maximum amount of Tailored IP cover You can apply for an amount of cover up to 85% of your Income (75% of your Income plus 10% superannuation contribution) but not more than $30,000 per month. Income is defined in 10 Definitions.

Interim Accident cover Where you apply for Tailored IP cover, up to 90 days interim Accidental Income Protection cover will apply from the date of receipt of your completed Tailored insurance application form. Accident is defined in 10 Definitions. No additional premium is charged for the interim Accident cover.

The interim cover ends on the earlier of the acceptance, deferral or rejection of your application for Income Protection cover or 90 days from receipt of your application.

The maximum interim Accident cover available is $15,000 per month or your calculated benefit, whichever is the lesser. Your chosen Benefit Period and Waiting Period will apply. No interim Accident cover will be paid if during the interim period, death or disability is caused directly or indirectly by engaging in any sport or pastime that the insurer would not normally cover at standard rates or any other exclusion under the policy.

It’s simple; you can apply for Tailored cover anytime.

Just visit sunsuper.com.au/memberonline, select Insurance, and follow the prompts to apply.

If you’re not signed up for Member Online — it’s simple — just register at sunsuper.com.au/register or contact us on 13 11 84 and we’ll have you set up in no time.

If you would prefer filling in a paper application the Tailored insurance application is available at sunsuper.com.au/insuranceforms

Exclusions and restrictionsAn IP benefit will not be paid if the injury or sickness is caused, wholly or partly, directly or indirectly, from:



• your deployment to a hostile environment as part of active military service,

• a criminal act committed by you,

• any other exclusion imposed by the insurer as a result of underwriting, or


Indexation of Tailored IP coverTailored IP cover will be indexed annually on 1 July, based on the annual trend adjusted increase in Average Weekly Ordinary Time Earnings (AWOTE) at the previous November. This means that the amount of your Tailored IP cover will increase at each 1 July. Any increase will be limited to a maximum of 5%.

You can elect not to have your Tailored IP indexed each year by completing an Insurance variation form available at sunsuper.com.au/insuranceforms. Similarly, you could choose to opt back into automatic indexation of your Tailored IP cover by using the same form.

If you choose to opt back into annual indexation the increased IP cover will be subject to Limited Cover for a period of 24 months and until you are At Work for 30 consecutive days after the end of the 24 month period.

What happens to my Opt In IP or White Collar IP cover?If Tailored IP cover is approved, the premium previously applied to your Opt In IP or White Collar IP insurance cover will no longer apply and your total IP cover and premium will be based on your occupational classification.

What are the Occupational Categories?When you apply for Tailored IP cover the insurer will determine your occupational category based on your occupation at the time. When calculating your insurance premium within Tailored cover, an occupational loading will be applied based on your occupational category. Refer to 10 Definitions which briefly describe how Occupational Categories are determined.

Example of how your Tailored IP cover will be indexed:Fiona is 28 years old when she applies for and is accepted for Tailored IP cover. Her Income is $60,000 p.a. and the date of acceptance is 1 March. The indexation rate for 1 July is 1.7%.

Cover at 1 March (date of acceptance): $60,000 x 85% = $51,000 p.a. = $4,250 per month.

New cover at next 1 July: $51,000 x 1.017 = $51,867 p.a. = $4,322 per month.

If Fiona had previously opted out of indexation and then chose to opt back into annual indexation, the increased cover of $867 p.a. will be subject to Limited Cover (see page 51).

Select a Waiting Period and Benefit Period that suits your individual circumstances.

p30 p31

How much is the premium and when is it paid?The premium payable for Tailored IP cover is based on your amount of cover, Benefit Period, Waiting Period, gender, occupation, health and age. The premium is recalculated with any change in your cover amount and on your birthday each year. Occupation is based on the six Occupational Categories shown in 10 Definitions. Income Protection cover may not be available for hazardous occupations and will be assessed on a case-by-case basis.

The premium is normally deducted from your Super-savings account balance each month, which is great as it won’t impact your take-home pay. To ensure you have sufficient money in your Super-savings account to pay premiums and to ensure your insurance cover does not lapse, you should keep a minimum Super-savings account balance of $1,500 at all times.

The total premium includes stamp duty and a 5% insurance fee to offset Sunsuper’s cost of providing the cover, and is deducted from your Super-savings account balance.

The Premium tables 6 to 8 set out the annual premium for each $1,000 of annual insured benefit for the 2-year, 5-year and to age 65 Benefit Periods. When the insurer assesses your application for Tailored cover, the insurer may apply a loading (a higher premium).

Transferring your IP insurance coverYou may be eligible to transfer existing IP cover (from other super funds or insurance policies up to $10,000 per month) to Sunsuper. To transfer your existing cover please complete and return the Transfer of insurance cover form found in the back of this guide.

You will not be eligible to transfer your cover if:

• you have previously had an application for additional insurance cover declined,

• you have been paid, lodged or eligible to lodge any TPD, Permanent Incapacity, Terminal Illness or IP claim, or

• you are absent from work or unable to carry out all of the duties of your usual occupation due to an injury or illness at the transfer date.

It’s important you include all required documentation, which will include:

• a letter or certificate of currency from your superannuation fund or insurance provider detailing your current insurance cover,

• details of any loadings, exclusions and restrictions applicable to that cover, and

• the confirmation must have been issued within 30 days of your application.

If accepted by the insurer:

• you will be subject to the terms and conditions outlined in the Sunsuper for life policy provided by AIA Australia,

• the Waiting Period and Benefit Period you had will be transferred where they are offered under the policy, or where not available under the policy, the Waiting Period will be the next longest period and the Benefit Period the next shortest period offered by the policy,

• you will need to cancel the cover you had under your previous fund or policy, and

• the transferred cover will be additional to any existing insurance cover you have subject to your total IP cover not exceeding 85% of your pre-disability salary. The maximum benefit limit is $30,000 per month.

If you are thinking about transferring your existing insurance cover, make sure you compare the features and benefits and are accepted by the insurer before cancelling existing cover.

An example of how to calculate Tailored IP premiums: Michael is 41 years old. He is a travelling salesman and his Income is $60,000 per annum. He applies for Tailored IP cover with a 2-year Benefit Period and a 60-day Waiting Period. He is in good health and the insurer accepts his application with a Light Blue occupational category.

To calculate Michael’s weekly premium you need to:

1. Use the IP Premium table 6 on page 43 for the desired length of Benefit Period to find the premium applicable for Michael’s age, gender and benefit Waiting Period.

2. Use the Occupational rating categories table on page 52 to find the occupational category IP rating.

3. Calculate the cost of cover: [(amount of cover / 1000) x IP premium rate x IP occupational rating] / 52

Age last birthday

Waiting Periods for 2-year Benefit Period

30 days 60 days 90 days 180 days

41 4.90 3.31 1.76 1.41

Age Income Amount of cover

Annual cost of cover

Cost per week

41 $60,000

= 85% x $60,000

= $51,000

= ($51,000 / $1,000) x

$3.31 x 1.40 = $236.33

= $236.33 / 52 = $4.55

Therefore for an IP premium of $4.55 per week (includes stamp duty and a 5% Insurance fee) Michael would be covered for $51,000 per annum for a 2-year Benefit Period, with a 60-day Waiting Period. In the event of a claim if Michael’s income was $60,000 per annum at the Date of Disablement, and he is eligible for a Total Disability benefit with no offsets, he would receive direct monthly payments of $3,750 (less PAYG tax) and $500 would be paid into his Super-savings account.

Note: Rounding variations may occur when calculating premiums. Premiums per week are displayed as rounded up to the next whole cent. Premiums include stamp duty and a 5% insurance fee to offset Sunsuper’s cost of providing the cover.

Can your health affect your insurance cover?When the insurer assesses your application for Tailored insurance cover, they may ask for further details in relation to the information you disclose in your Tailored insurance application.

As a condition of acceptance of the Tailored insurance cover, the insurer may apply a loading (a higher premium) for the increased amount of IP cover. The insurer may also specify a benefit exclusion that will apply if a claim for the increased amount of insurance is related to a specified condition or pastime.

Any premium loadings or benefit exclusions will be advised to you at the time the insurer accepts your application for Tailored insurance cover. You should advise Sunsuper within 30 days if you decide that you do not wish to proceed with the application for Tailored cover.

Where you have maintained the same Benefit Period and Waiting Period any loadings or exclusions will only apply above the amount of any Opt In IP or White Collar IP insurance cover you may have at the time of acceptance of your Tailored IP cover application.

p32 p33

Conditions and Exclusions

When does IP cover start?Opt In IP cover and White Collar IP cover will commence on the date you commence employment where you apply, and your first SG contribution is received within 120 days of commencing employment. If White Collar Cover is applied for more than 120 days after you commenced employment, cover will start from the date the insurer accepts your application. Tailored IP cover will start from the date the insurer accepts your application.

Commencement of cover is also subject to you having sufficient money in your Super-savings account to pay insurance premiums. If you do not have enough money in your Super-savings account to pay premiums, you will be notified of the conditions that apply to you.

When does IP cover stop?IP cover stops when:

• you withdraw all your money from Sunsuper,

• you turn 65,

• you cancel the cover,

• you die,

• your period of Unpaid Leave or parental leave exceeds 24 months,


• you cease employment with your Australian-based Employer whilst overseas,

• the premium is due and there is not enough money in your Super-savings account to pay the total premium (including stamp duty) and it remains unpaid for four months,

• your Super-savings account balance is low and inactive (normally this will be when your balance is less than $1,500 and employer contributions have not been received for 12 months). Where we have valid contact details, we will contact you advising the date that your cover will stop. To avoid your cover stopping in this way, you should maintain your Super-savings account balance above $1,500 or ensure regular employer contributions are paid into your Super-savings account, or

• the policy issued to Sunsuper is cancelled or terminated for any reason.


Waiting Period and Benefit Period The Waiting Period and Benefit Period determine when a claim payment commences and the maximum length of time a benefit is payable.

The Waiting Period is how long you must be Totally or Partially Disabled before becoming eligible to claim a benefit. The Waiting Period commences from the date a Medical Practitioner certifies you are Totally Disabled and unable to work as determined by the insurer. Benefit payments will commence when the Waiting Period ends and are paid monthly in arrears.

The Benefit Period is the maximum length of time that a claim will be paid for.

What happens if I want to reduce or cancel my cover?If you don’t want Opt In, White Collar or Tailored IP cover, or you just want to reduce or modify your cover, you need to let us know in writing or by calling us on 13 11 84, otherwise the premiums will normally be deducted from your Super-savings account each month. The cancellation or reduction will be effective from the date your instruction is received.

What happens if your work situation changes or you leave your employer?Your existing IP insurance cover will continue when you leave your employer. Premiums will continue to be deducted from your Super-savings account balance. However, it is important that you notify us if:

• you change occupation,

• your income changes,

• you change employers, or

• you are no longer working,

so that we can update your records and determine the impact of any changes.

Your cover may stop (refer to When does IP cover stop? on this page) or your premium may change if your circumstances change as outlined above. You should contact us to determine the impact of any changes.

If you are unemployed at the Date of Disablement and have been unemployed for a period of more than 12 months, you will not be eligible to make a claim for an IP benefit.

You must let us know if you wish to cancel your IP insurance cover.

What happens if you return to work during the Waiting Period?If the Waiting Period you select is 30 days, you may return to work for up to five days during that time without having to start the Waiting Period again. If your Waiting Period is 60, 90 or 180 days, you may return to work for up to 10 days during that time without having to restart the Waiting Period. If you do return to work, the days returned to work will extend your original Waiting Period by the number of days you returned to work.

If you return for longer than those periods specified your Waiting Period will restart.

What happens during Unpaid Leave or parental leave?Total premiums (including stamp duty) will continue to be deducted from your Super-savings account during the period of leave. It is your responsibility to ensure sufficient monies are in your Super-savings account during the period of leave to pay your premiums. Your IP cover will stop after 24 months (refer to 10 Definitions for the definition of Unpaid Leave).

What happens if you travel overseas on paid leave?Where you travel overseas while on paid leave from your Australian-based employer (or an international subsidiary or associated company of your Australian employer), your IP cover continues with no travel restrictions.

Total premiums (including stamp duty) will continue to be deducted from your Super-savings account during the period of leave. It is your responsibility to ensure sufficient monies are left in your Sunsuper for life account during the period of leave to pay your premiums.

If you cancel your cover while on leave, you will need to reapply for cover on returning to work. Satisfactory evidence of health will be required to restart this cover.

What happens if you temporarily reside overseas?Your IP cover will continue while temporarily residing overseas as long as you remain in active employment with your Australian-based employer (or an international subsidiary or associated company of your Australian employer). If you become disabled while based overseas you may, at your expense, be required to return to Australia for assessment of any disability claim.

Where you temporarily reside overseas during a period of Unpaid Leave, your Income Protection cover may continue for up to 24 months.

Any disablement claim will be dependent on your employment status at the time of becoming disabled.

Can your IP cover restart?Once cover has stopped, satisfactory evidence of health and occupational information will generally be required to restart this cover. If accepted by the insurer, your IP cover will restart from the date the insurer accepts your application.

What benefit is paid out?After the Waiting Period, the monthly benefit is payable for up to a maximum period of:

• two years,

• five years, or

• to age 65

depending on the Benefit Period you have chosen, while you continue to meet the insurer’s definition of Total Disability.

The monthly benefit payable will be the lower of:

• the level of cover selected by you less any offsets, and

• 75% of your monthly rate of Pre-Disability Income less any offsets, plus up to 10% superannuation contributions for Tailored cover or up to 25% superannuation contributions for Opt In IP or White Collar IP cover.

Income is defined on page 51 and is usually calculated at the first day of absence from your employment due to the injury or sickness resulting in you becoming Totally Disabled. Refer to Will there be offsets to my benefit payment? on the next page.

p34 p35

Recurrent eventFollowing a claim, if you make a further claim arising from the same or related cause as the first claim, the further claim will be:

a. treated as a separate claim if it occurred after you returned to work for at least six continuous months, or

b. deemed to be a continuation of the original claim if made within six months from the end of payments from the earlier claim.

A further Waiting Period will not apply in this case but the relevant Benefit Period will be adjusted to take into account prior benefits paid under this policy for the original claim.

Concurrent eventWhere you are Totally Disabled because of more than one injury or sickness, or from both, whether related or not, benefits are payable in respect of only one injury or sickness, as the insurer shall reasonably determine, based on medical evidence.

Updating your IP coverIt is very important you keep your level of IP cover up to date. Apart from the indexation of your Tailored IP cover each 1 July, you will need to apply for any additional increase in the level of Tailored IP cover you require — providing new income details alone does not increase the cover. Your application must be accepted by the insurer.

With Opt In or White Collar IP cover, you must apply for any increase and your total IP cover will be transferred to Tailored IP cover on acceptance by the insurer.

Will there be offsets to my benefit payment?An offset means that the benefit payable may be reduced if you receive other income while you’re unable to work due to sickness or accident.

Your IP benefit payment may be reduced by the following payments:

• workers’ compensation or transport accident compensation or similar legislation in relation to your injury or sickness,

• any other payments, statutory or otherwise, paid to you for loss of income in relation to your injury or sickness,

• any other payments made under any disability income type insurance policy;

• any other lump sum payment which relates to loss of income due to injury or sickness whether under legislation or otherwise (other than a TPD or Terminal Illness benefit under this Policy);

• any paid sick leave from your employer (however the insurer does not require all sick leave to be used before commencement of the income benefit).

Payment of benefitsThe insurer will pay monthly benefits directly to you with a maximum payment of 75% of Pre-Disability Income. Any remaining benefit will be paid to your Super-savings account. The benefit paid to you is taxable income and attracts PAYG tax (the same as salary and wages) which will be deducted from the benefit before it is paid to you.

The definition of Total Disability you will be assessed against in the event of a claim is linked to the number of hours you are working prior to the claim event. If you are unemployed, or working on average less than 15 hours per week in the three months prior to becoming disabled, you will be assessed against the Limited Total Disability definition. If you were working on average 15 or more hours per week in the three months prior to becoming disabled, you will be assessed against the Total Disability definition. If your claim is accepted, payments (monthly in arrears) will start when the Waiting Period finishes. Any claim for your Income Protection benefit is assessed independently of any TPD claim.

The IP benefit is subject to a maximum level based on your most recent Pre-Disability Income accepted by the insurer immediately before you become Totally Disabled. If you are on Unpaid Leave or parental leave, your benefit is based on your most recent Pre-Disability Income accepted by the insurer immediately prior to starting leave. Any insured superannuation contributions up to 10% for Tailored IP cover, or up to 25% for Opt In or White Collar IP cover, will be paid directly to your Super-savings account on your behalf. These amounts count towards your concessional contribution cap. Payments will be made monthly in arrears.

Indexation of Tailored IP benefitsWhen on claim and your Benefit Period is greater than two years your IP benefits will be indexed by the lesser of the Consumer Price Index (CPI) or 5% on each anniversary of the commencement of your continuing Tailored IP claim.

Partial DisablementA reduced monthly Income Protection benefit may be payable if you become Partially Disabled (see 10 Definitions for the definition of Partial Disability).

Where you are unable to work at full capacity due to sickness or injury, and

• following a period of Total Disability for seven (7) out of the first ten (10) working days of the Waiting Period, and your ongoing disablement during the remainder of the Waiting Period, and you have returned to work in your usual or an alternative occupation, and

• your monthly income is less than your Pre-Disability Salary, and

• you are under the care of, and complying with the reasonable advice given by a Medical Practitioner.

We will pay a partial disablement monthly benefit. The benefit payable is calculated in accordance with the following formula.

[(A – B) x C] / A where:

A is your Pre-Disability Salary

B is your actual Salary during the month of Partial Disability

C is the Monthly Benefit

Proof of IncomeIn the event of a claim, proof of Income is required to ensure your benefit does not exceed 85% of your Income at the first day of absence from active employment due to sickness or injury resulting in Total Disability.

When does payment of the benefit stop?Benefit payments start after the Waiting Period, and will cease upon the earliest of any the following events:

• you no longer satisfy the definition of Total Disability, Limited Total Disability or Partial Disability, as assessed by the insurer,

• the end of the benefit payment period,

• for a Partial Disability benefit, the date you earn, or become capable of earning, a monthly salary equal to or greater than your Pre-Disability Salary,


• you are no longer under the care of, and or complying with the reasonable advice given by a Medical Practitioner,

• you reside overseas and have received 12 months of benefit payments,

• you reach age 65, or

• your death.

The benefit will be paid even if the insurer assesses you to be TPD.

Providing you were an insured member of Sunsuper at the time you finished work due to the injury or sickness that gave rise to a claim, monthly income benefits will be payable or continue to be paid, regardless of whether you continue to be a member of Sunsuper.

No premium requiredYour IP premiums will be waived from the end of the Waiting Period and will continue whilst a monthly benefit is payable. Once you stop receiving benefit payments, deduction of the IP premiums will recommence being deducted from your Super-savings account.

p36 p37

7 How do I apply?

The following table shows you the type of cover you can apply for given your particular circumstances, and the various forms available for completion and where they can be found.

What are you applying for? When you should apply How you can apply? Where you can go to apply

Death and TPD Assist cover On joining SunsuperMembership application form

In the Sunsuper for life Product Disclosure Statement (PDS), visitsunsuper.com.au/pds

Join online sunsuper.com.au/join

New Member option – Death and TPD Assist cover (50% increase)

Within 120 days of joining Sunsuper (and you are eligible for Death and TPD Assist cover)

Membership application formIn the PDS, visitsunsuper.com.au/pds

New Member Options formsunsuper.com.au/insuranceforms

On joining Sunsuper Join online sunsuper.com.au/join

White Collar cover — Death and TPD Assist

Within 120 days of joining Sunsuper(and you are eligible for Death and TPD Assist cover)

Membership application formIn the PDS, visit

sunsuper.com.au/pds



Outside 120 days of joining Sunsuper and you have Death and TPD Assist cover

White collar application formsunsuper.com.au/insuranceforms

Life and Age Events

Not more than 180 days after the Life or Age Event, you are less than age 67 and you have either Death and TPD Assist or White Collar cover

Life and Age Event insurance options form

sunsuper.com.au/insuranceforms

Tailored cover — Death and TPD

Anytime

If you wish to apply for Tailored Death and TPD cover

Tailored insurance application form

Online application


Through Member Online

New Member option – Opt In IP cover

Within 120 days of joining Sunsuper




What are you applying for? When you should apply How you can apply? Where you can go to apply

White Collar — IP cover


Within 120 days of joining Sunsuper (and you are eligible for Opt In IP cover)


Outside 120 days of joining Sunsuper and you have Opt In IP cover

New Member Options formsunsuper.com.au/insuranceformsWhite collar application form

Tailored cover — IP

Anytime

If you wish to apply for Tailored IP cover

Tailored insurance application form; or

Online application


Through Member Online

If you wish to change your Waiting Period or Benefit Period

By calling us; or

By contacting us in writing

13 11 84

Reply Paid 2924 Brisbane, QLD, 4001

Tailored cover — restarting IP cover on transfer from Sunsuper for life Corporate or Sunsuper for life Business

Within 120 days of ceasing employment with your Sunsuper for life Corporate or Sunsuper for life Business employer

Income Protection transfer application form


Reducing or cancelling your insurance cover

Anytime

To reduce or cancel some or all of:

• Death and TPD

• Death only

• TPD only

• IP

Insurance variation form; or

By calling us; or

By contacting us in writing


13 11 84

Reply paid 2924 Brisbane QLD 4001

Tailored cover — improving your occupational category

Anytime

To apply for a better occupational category than you have within Tailored cover

Occupational rating formsunsuper.com.au/insuranceforms

Transfer of insurance cover to Sunsuper

Anytime

(but do not cancel your existing cover until your transfer is accepted by the insurer)

Transfer of insurance cover form

sunsuper.com.au/insuranceforms; or

using the Transfer of insurance cover form at the back of this guide

Nominating your preferred beneficiary(ies)

On joining SunsuperMembership application form

In the PDS, visitsunsuper.com.au/pds

Join online sunsuper.com.au/join

Anytime

To change your preferred beneficiary(ies) at anytime

Member Onlinesunsuper.com.au/memberonline

Change of details formsunsuper.com.au/beneficiary

Binding death benefit nomination

Anytime

To make a binding death benefit nomination

Binding death benefit nomination form

sunsuper.com.au/beneficiary

p38 p39

8 Premium Rates

Work out your premium costs with the following tables

Death and TPD Assist and White Collar cover (Premium table 1)

Use the table below to determine the amount of cover and premiums available for eligible members of Death and TPD Assist cover, and White Collar cover.

Age last birthday

Amount of cover ($)Premiums ($) per weekDeath and TPD Assist

cover White Collar cover

Death TPD Assist2 Death TPD Assist2Death only Death and TPD Assist

Male Female Male Female

15 to 21 62,500 125,000 93,750 187,500 0.92 0.56 2.28 1.3622 to 29 125,000 175,000 187,500 262,500 1.84 1.16 3.92 2.6830 to 33 250,000 375,000

3.72 2.32 7.08 4.8434 246,000 369,00035 240,000 360,00036 230,000 345,000

3.96 2.56 8.44 6.76

37 219,000 328,50038 209,000 313,50039 197,000 295,50040 186,000 279,00041 176,000 264,00042 163,000 244,50043 152,000 228,00044 142,000 213,00045 132,000 198,00046 122,000 183,00047 113,000 169,50048 103,000 154,50049 93,000 139,50050 83,000 124,50051 75,000 112,50052 66,000 99,00053 57,000 85,50054 48,000 72,00055 42,000 63,00056 36,000 54,00057 32,000 48,00058 29,000 43,50059 27,000 40,50060 25,000 37,50061 23,000 34,50062 21,000 31,50063 19,000 28,50064 17,000 25,500

65 to 66 16,000 24,00067 to 691 16,000 Nil 24,000 Nil 3.96 2.56

Different cover and premium arrangements may exist; you will have been informed separately if this applies.

1 Cover from age 67 is Death only. 2 TPD Assist annual support payments are calculated as one sixth of your cover amount at the Date of Disablement.

New Member options – 50% increase in Death and TPD Assist cover (Premium table 2)

Use the table below to determine the cover and premiums for Sunsuper’s New Member options. The cover and premiums listed are inclusive of Death and TPD Assist or White Collar cover and premiums (as applicable).

Age last birthday

Amount of cover

Premium ($) per weekDeath and TPD Assist White Collar

Death TPD Assist2 Death TPD Assist2Death only Death and TPD Assist


15 to 21 93,750 187,500 140,625 281,250 1.38 0.84 3.42 2.0422 to 29 187,500 262,500 281,250 393,750 2.76 1.74 5.88 4.0230 to 33 375,000 562,500

5.58 3.48 10.62 7.2634 369,000 553,50035 360,000 540,00036 345,000 517,500

5.94 3.84 12.66 10.14

37 328,500 492,75038 313,500 470,25039 295,500 443,25040 279,000 418,50041 264,000 396,00042 244,500 366,75043 228,000 342,00044 213,000 319,50045 198,000 297,00046 183,000 274,50047 169,500 254,25048 154,500 231,75049 139,500 209,25050 124,500 186,75051 112,500 168,75052 99,000 148,50053 85,500 128,25054 72,000 108,00055 63,000 94,50056 54,000 81,00057 48,000 72,00058 43,500 65,25059 40,500 60,75060 37,500 56,25061 34,500 51,75062 31,500 47,25063 28,500 42,75064 25,500 38,250

65 to 66 24,000 24,000 36,000 36,00067 to 691 24,000 n/a 36,000 n/a 5.94 3.84 5.94 3.84

Different cover and premium arrangements may exist; you will have been informed separately if this applies.

1 Cover from age 67 is Death only. 2 TPD Assist annual support payments are calculated as one sixth of your cover amount at the Date of Disablement.

p40 p41

Life and Age Event options cover and premiums (Premium table 3)

Tailored Death and TPD cover (Premium table 4)

Use the table below to determine the cover and premiums for Sunsuper’s Life and Age Event options. The cover and premiums listed are in addition to your Death and TPD Assist or White Collar cover, including any New Member options cover and premiums once accepted by the insurer.

Age last birthday

Amount of cover ($)Premium ($) per weekLife and Age Event

optionsWhite Collar Life and Age Event options

Death TPD Assist1 Death TPD Assist1Death only Death and TPD Assist1


15 to 21 15,625 31,250 23,438 46,875 0.23 0.14 0.57 0.3422 to 29 31,250 43,750 46,875 65,625 0.46 0.29 0.98 0.6730 to 33 62,500 93,750

0.93 0.58 1.77 1.2134 61,500 92,25035 60,000 90,00036 57,500 86,250

0.99 0.64 2.11 1.69

37 54,750 82,12538 52,250 78,37539 49,250 73,87540 46,500 69,75041 44,000 66,00042 40,750 61,12543 38,000 57,00044 35,500 53,25045 33,000 49,50046 30,500 45,75047 28,250 42,37548 25,750 38,62549 23,250 34,87550 20,750 31,12551 18,750 28,12552 16,500 24,75053 14,250 21,37554 12,000 18,00055 10,500 15,75056 9,000 13,50057 8,000 12,00058 7,250 10,87559 6,750 10,12560 6,250 9,37561 5,750 8,62562 5,250 7,87563 4,750 7,12564 4,250 6,375

65 to 66 4,000 6,000

1 TPD Assist annual support payments are calculated as one sixth of your cover amount at the Date of Disablement.

Annual premiums for each $1,000 insured benefit

Age last birthday

Male Female

Death TPD Death TPD

15 0.46 0.06 0.15 0.0416 0.46 0.06 0.15 0.0417 0.50 0.07 0.15 0.0418 0.53 0.15 0.17 0.0419 0.58 0.13 0.18 0.0420 0.59 0.17 0.17 0.0621 0.61 0.19 0.17 0.0622 0.61 0.21 0.15 0.0423 0.61 0.22 0.15 0.0424 0.60 0.26 0.15 0.1025 0.59 0.27 0.15 0.0626 0.58 0.23 0.15 0.0627 0.55 0.26 0.17 0.1028 0.53 0.28 0.17 0.1229 0.52 0.31 0.19 0.1430 0.52 0.31 0.21 0.1731 0.51 0.33 0.21 0.2032 0.51 0.33 0.22 0.2033 0.52 0.33 0.26 0.2434 0.53 0.36 0.27 0.2935 0.54 0.43 0.30 0.3236 0.55 0.51 0.33 0.3737 0.58 0.57 0.35 0.4338 0.61 0.64 0.38 0.5139 0.64 0.75 0.42 0.5540 0.67 0.83 0.47 0.6341 0.71 0.92 0.52 0.7142 0.76 1.00 0.58 0.8243 0.81 1.11 0.63 0.9244 0.89 1.26 0.68 1.0445 0.97 1.41 0.73 1.1746 1.04 1.56 0.78 1.3047 1.14 1.71 0.84 1.4448 1.26 1.87 0.91 1.5949 1.40 2.08 0.98 1.7950 1.56 2.33 1.05 1.9751 1.72 2.90 1.12 2.2152 1.92 3.48 1.23 2.4153 2.15 4.05 1.33 2.6954 2.40 4.61 1.45 2.9955 2.68 5.27 1.60 3.3856 3.01 6.03 1.77 3.8657 3.30 6.99 1.98 4.3758 3.67 8.06 2.21 5.0059 4.07 8.97 2.45 5.7160 4.53 10.07 2.75 6.5361 4.96 10.96 3.06 7.4662 5.52 11.22 3.43 8.5363 6.58 13.76 3.82 9.5164 7.87 16.04 4.28 10.6365 8.90 24.33 4.77 16.7066 9.89 27.81 5.29 19.4867 10.87

n/a5.84

n/a68 12.59 6.4569 14.36 7.03

Occupational categories

Occupational category Death TPD

Professional 0.85 0.85

White 1.00 1.00

Light Blue 1.20 1.60

Medium Blue 1.30 2.10

Heavy Blue 1.40 2.50

Hazardous 4.20 15.80

Notes:

• TPD cover ends when you turn 67 and Death cover ends when you turn 70.

• Cover is available on a Fixed Premium or Fixed Cover basis.

• Rounding variations may occur when calculating premiums.

• Different cover and premium arrangements may exist; you will have been informed separately if this applies.

p42 p43

New Member options - Opt In IP and White Collar IP cover (Premium table 5)

Tailored Income Protection cover - 2-year Benefit Period (Premium table 6)

90-day Waiting Period, 2-year Benefit Period.

Weekly Premiums for each $500 monthly benefit

Age last birthday

IP premium ($) per week (per $500 monthly benefit)

Opt In IP White Collar IP


15 to 21

0.27 0.40 0.18 0.27

22 to 29

30 to 33

34

35

36

37

38

39

40

0.60 1.00 0.40 0.67

41

42

43

44

45

46

47

48

49

50

1.50 2.00 1.00 1.33

51

52

53

54

55

56

57

58

59

60

61

62

63

64

Notes:• These premiums include stamp duty.• Rounding variations may occur when calculating premiums.

White Collar EligibilityTo be eligible for White Collar IP cover you must be:

• permanently employed, and working at least 15 hours per week,


• performing duties limited to clerical, administration, managerial (or similar) which do not involve more than 10% light manual duties.


Age last birthday

Male Female

Waiting Period

30 days

60 days

90 days

180 days

30 days

60 days

90 days

180 days

15 2.73 1.91 1.28 0.92 3.90 2.64 1.48 1.0616 2.76 1.94 1.30 0.92 3.91 2.66 1.51 1.0717 2.76 1.96 1.30 0.93 3.94 2.69 1.51 1.0718 2.80 1.97 1.30 0.92 3.98 2.73 1.51 1.0619 2.84 2.01 1.30 0.92 4.01 2.73 1.54 1.0820 2.87 2.02 1.30 0.93 4.07 2.76 1.55 1.1021 2.77 1.94 1.22 0.86 4.08 2.77 1.56 1.1022 2.73 1.89 1.14 0.83 4.11 2.80 1.56 1.1323 2.64 1.83 1.07 0.79 4.19 2.84 1.56 1.1324 2.59 1.76 1.03 0.74 4.22 2.87 1.62 1.1825 2.53 1.75 0.98 0.71 4.25 2.88 1.62 1.1926 2.53 1.73 0.95 0.68 4.36 2.98 1.72 1.2527 2.58 1.75 0.93 0.68 4.48 3.07 1.77 1.3128 2.60 1.76 0.93 0.68 4.66 3.21 1.84 1.3829 2.69 1.77 0.93 0.68 4.86 3.32 1.90 1.4230 2.76 1.84 0.93 0.69 5.11 3.47 1.96 1.4831 2.87 1.90 0.97 0.74 5.37 3.65 2.02 1.5132 2.98 2.01 0.98 0.74 5.69 3.86 2.08 1.5533 3.12 2.08 1.03 0.79 6.04 4.04 2.17 1.6534 3.29 2.18 1.07 0.82 6.39 4.27 2.26 1.7535 3.45 2.31 1.13 0.87 6.80 4.49 2.38 1.8436 3.65 2.42 1.19 0.92 7.22 4.73 2.53 1.9437 3.86 2.55 1.30 1.00 7.68 5.05 2.73 2.1338 4.08 2.73 1.39 1.08 8.15 5.37 2.93 2.2939 4.33 2.90 1.48 1.17 8.68 5.76 3.17 2.5340 4.62 3.09 1.62 1.30 9.22 6.18 3.47 2.7641 4.90 3.31 1.76 1.41 9.79 6.68 3.79 3.0342 5.23 3.55 1.94 1.55 10.40 7.15 4.15 3.3543 5.55 3.79 2.13 1.72 11.01 7.61 4.62 3.7344 5.91 4.07 2.37 1.90 11.69 8.15 5.08 4.1145 6.33 4.36 2.60 2.14 12.40 8.72 5.60 4.6046 6.78 4.73 2.93 2.42 13.13 9.29 6.16 5.0847 7.26 5.08 3.28 2.73 13.92 9.95 6.80 5.6648 7.77 5.49 3.63 3.03 14.75 10.62 7.50 6.2549 8.34 5.93 4.04 3.41 15.61 11.34 8.23 6.9150 8.98 6.46 4.56 3.81 16.55 12.10 9.05 7.6051 9.64 7.01 5.11 4.33 17.52 12.93 9.86 8.3952 10.40 7.60 5.70 4.88 18.56 13.79 10.77 9.1753 11.19 8.26 6.39 5.47 19.70 14.70 11.75 10.0854 12.10 9.03 7.15 6.16 20.91 15.69 12.75 10.9655 13.07 9.82 8.05 6.97 22.19 16.73 13.77 11.9256 14.13 10.74 9.03 7.88 23.57 17.84 14.86 12.9657 15.32 11.72 10.08 8.82 25.06 19.02 15.97 14.0058 16.65 12.85 11.26 9.89 26.69 20.30 17.12 15.0859 18.08 14.07 12.58 11.12 28.41 21.67 18.31 16.1860 19.67 15.40 14.04 12.44 30.36 23.13 19.55 17.3561 21.45 16.91 15.62 13.90 32.46 24.69 20.78 18.5062 23.44 18.55 17.41 14.01 34.74 26.38 22.05 17.7063 20.21 17.14 14.93 12.03 33.55 28.07 23.30 18.7464 12.99 10.24 8.15 6.67 21.54 17.00 13.55 11.09

Occupational categories

Occupational category IP

Professional 0.85

White 1.00

Light Blue 1.40

Medium Blue 1.70

Heavy Blue 2.50

Hazardous 10.00

Occupational categories are applied to each of the 3 Benefit Periods and 4 Waiting Periods (Premium tables 6-8).

Notes:• These premiums include stamp duty and a 5%

insurance fee to offset Sunsuper’s cost of providing the cover.

• Rounding variations may occur when calculating premiums.

.

p44 p45

Tailored Income Protection cover - 5-year Benefit Period (Premium table 7)

Tailored Income Protection cover - Benefit Period to age 65 (Premium table 8)


Age last birthday

Male Female

Waiting Period

30 days 60 days 90 days 180 days 30 days 60 days 90 days 180 days15 3.71 2.72 1.79 1.39 5.41 3.84 2.16 1.6416 3.78 2.79 1.82 1.40 5.49 3.91 2.19 1.6717 3.84 2.80 1.86 1.41 5.55 3.94 2.23 1.6718 3.91 2.86 1.88 1.43 5.63 4.01 2.24 1.6819 3.97 2.90 1.89 1.44 5.73 4.05 2.24 1.6820 4.02 2.97 1.91 1.47 5.83 4.15 2.28 1.7721 3.92 2.86 1.82 1.41 5.89 4.19 2.34 1.8122 3.84 2.79 1.68 1.29 6.00 4.26 2.37 1.8523 3.80 2.72 1.61 1.25 6.10 4.31 2.40 1.8824 3.77 2.68 1.53 1.19 6.21 4.39 2.44 1.9625 3.68 2.61 1.47 1.16 6.26 4.44 2.47 1.9626 3.77 2.61 1.43 1.16 6.47 4.61 2.65 2.1227 3.80 2.66 1.41 1.14 6.70 4.79 2.78 2.2428 3.89 2.72 1.41 1.14 7.01 5.03 2.89 2.3629 3.98 2.79 1.43 1.16 7.36 5.26 2.99 2.4430 4.15 2.86 1.47 1.19 7.79 5.51 3.10 2.5531 4.33 3.01 1.49 1.22 8.24 5.84 3.21 2.6632 4.54 3.11 1.53 1.25 8.76 6.17 3.36 2.7833 4.79 3.29 1.64 1.39 9.33 6.57 3.52 2.9334 5.03 3.47 1.68 1.41 9.99 6.98 3.68 3.1035 5.34 3.68 1.82 1.53 10.66 7.48 3.92 3.3236 5.69 3.92 1.96 1.65 11.39 7.94 4.20 3.5737 6.02 4.19 2.06 1.79 12.18 8.53 4.52 3.8638 6.43 4.44 2.24 1.91 13.02 9.15 4.89 4.2039 6.87 4.79 2.42 2.09 13.93 9.79 5.33 4.6040 7.34 5.13 2.68 2.36 14.87 10.54 5.87 5.0741 7.85 5.49 2.93 2.57 15.90 11.32 6.46 5.6342 8.42 5.93 3.22 2.84 16.97 12.16 7.10 6.2343 9.01 6.36 3.59 3.17 18.09 13.05 7.89 6.9544 9.67 6.89 3.98 3.53 19.30 14.04 8.76 7.7545 10.36 7.48 4.44 3.97 20.59 15.09 9.73 8.6646 11.17 8.11 4.99 4.44 21.92 16.23 10.78 9.6147 12.02 8.79 5.59 5.02 23.36 17.42 11.97 10.7348 12.96 9.53 6.26 5.68 24.90 18.71 13.24 11.9449 13.98 10.41 7.06 6.36 26.51 20.08 14.60 13.2050 15.12 11.32 7.93 7.20 28.21 21.58 16.10 14.6051 16.35 12.39 8.97 8.17 30.06 23.16 17.70 16.1352 17.67 13.52 10.06 9.21 32.05 24.89 19.43 17.7853 19.19 14.81 11.35 10.42 34.19 26.70 21.24 19.4654 20.82 16.23 12.81 11.76 36.45 28.62 23.16 21.3055 22.64 17.80 14.42 13.26 38.90 30.72 25.21 23.1856 24.61 19.52 16.23 14.98 41.56 32.92 27.33 25.2257 26.82 21.44 18.22 16.87 44.43 35.30 29.52 27.3358 29.23 23.56 20.46 19.01 47.52 37.84 31.78 29.5159 31.96 25.95 22.95 20.22 50.91 40.57 34.19 30.1260 34.94 28.56 25.73 22.04 54.64 43.50 36.57 31.3361 34.49 28.32 25.77 20.96 52.45 41.59 34.64 28.1862 32.82 27.00 24.73 19.88 48.65 38.35 31.42 25.2163 21.72 18.43 16.05 12.95 36.07 30.18 25.06 20.1564 13.97 11.00 8.76 7.16 23.15 18.27 14.56 11.92

Notes:• These premiums include stamp duty and a 5% insurance fee to offset Sunsuper’s cost of providing the cover.• Rounding variations may occur when calculating premiums.


Age last birthday

Male Female

Waiting Period

30 days 60 days 90 days 180 days 30 days 60 days 90 days 180 days15 5.87 4.53 3.15 2.72 10.24 7.42 4.61 3.9616 6.23 4.76 3.30 2.84 11.03 8.01 4.98 4.3217 6.46 4.95 3.45 2.97 11.40 8.25 5.15 4.4118 6.68 5.12 3.55 3.08 11.77 8.53 5.30 4.5619 6.94 5.32 3.69 3.16 12.18 8.84 5.46 4.6820 7.20 5.51 3.81 3.30 12.58 9.11 5.68 4.8921 7.20 5.40 3.64 3.18 13.01 9.39 5.82 5.0922 7.23 5.39 3.49 3.05 13.43 9.73 6.00 5.2523 7.27 5.32 3.40 2.97 13.86 10.02 6.22 5.4624 7.32 5.30 3.26 2.90 14.32 10.34 6.37 5.7125 7.39 5.30 3.18 2.84 14.78 10.67 6.60 5.8926 7.57 5.39 3.18 2.84 15.50 11.30 7.12 6.3527 7.86 5.53 3.21 2.86 16.30 11.94 7.56 6.7928 8.19 5.74 3.26 2.94 17.24 12.63 7.98 7.1829 8.60 5.96 3.34 3.03 18.35 13.35 8.35 7.5630 9.03 6.25 3.45 3.10 19.59 14.14 8.73 7.9331 9.59 6.56 3.57 3.26 20.97 15.05 9.09 8.2832 10.15 6.96 3.76 3.42 22.44 15.97 9.52 8.6933 10.76 7.36 3.96 3.60 24.05 17.03 9.99 9.1234 11.47 7.81 4.20 3.86 25.79 18.17 10.54 9.6635 12.21 8.35 4.50 4.15 27.64 19.39 11.17 10.2736 13.02 8.91 4.79 4.40 29.56 20.76 11.94 11.0137 13.93 9.59 5.16 4.79 31.61 22.20 12.81 11.8238 14.86 10.24 5.58 5.16 33.69 23.77 13.83 12.8339 15.86 10.96 6.08 5.63 35.89 25.46 15.05 13.9440 16.92 11.77 6.62 6.13 38.18 27.28 16.39 15.1941 18.05 12.65 7.25 6.71 40.52 29.20 17.92 16.6542 19.25 13.62 7.95 7.42 42.89 31.24 19.59 18.2343 20.52 14.62 8.74 8.14 45.31 33.39 21.48 19.9644 21.83 15.73 9.66 8.99 47.75 35.63 23.53 21.8945 23.18 16.92 10.64 9.91 50.24 37.95 25.71 23.9746 24.69 18.21 11.76 10.96 52.70 40.33 28.02 26.0947 26.21 19.57 12.96 12.10 55.16 42.78 30.47 28.4248 27.81 21.05 14.33 13.32 57.55 45.22 33.01 30.7849 29.48 22.61 15.79 14.72 59.97 47.69 35.54 33.1350 31.19 24.26 17.39 16.17 62.23 50.13 38.13 35.5151 32.97 26.03 19.09 17.72 64.46 52.48 40.66 37.8252 34.79 27.81 20.94 19.41 66.60 54.76 43.08 39.9853 36.61 29.70 22.85 21.15 68.54 56.87 45.37 42.0354 38.49 31.63 24.86 22.96 70.33 58.80 47.46 43.8055 40.34 33.58 26.90 24.72 71.88 60.46 49.21 45.2256 42.18 35.51 28.98 26.50 73.12 61.77 50.63 46.2357 43.75 37.24 30.91 28.02 73.80 62.50 51.41 46.5858 44.97 38.67 32.53 29.14 73.76 62.50 51.45 46.1159 45.64 39.60 33.72 29.70 72.74 61.54 50.52 44.5060 34.94 28.56 25.71 22.04 54.63 43.49 36.58 31.3361 34.49 28.32 25.77 20.97 52.45 41.59 34.64 28.1862 32.82 27.00 24.73 19.88 48.65 38.36 31.42 25.2263 21.72 18.42 16.05 12.94 36.07 30.18 25.05 20.1664 13.97 11.01 8.76 7.17 23.15 18.28 14.56 11.92

Notes:• These premiums include stamp duty and a 5% insurance fee to offset Sunsuper’s cost of providing the cover.• Rounding variations may occur when calculating premiums.

p46 p47

9 Facts about making a claim

Let us help youAt Sunsuper, we understand that making a claim can sometimes be a stressful and difficult process. We understand that the circumstances of every claim are as different as the individuals making them.

To help you and your family through this difficult time, we have experienced Claims Representatives that can assist and guide you through the claims process from start to finish.

All of our Claims Representatives are trained to understand and explain our claims process. Once you make the initial contact with us to commence a claim, you will be assigned an individual Claims Representative to help you through the rest of the process and answer your questions.

Easy online serviceSunsuper has recently introduced an online claims tool that allows claims to be lodged electronically. The eClaims tool lets members lodge and monitor their claims online. It also provides third parties (i.e. employers and doctors) with the capability to complete and submit claim information directly online for the insurer to assess. Its designed to help simplify the process and reduce the time taken to finalise the claim. We are here to help. Please contact us as soon as you are able to on 13 11 84 if you would like help making a claim or have any questions.

Sunsuper insurance claims guideWant to know more about:

• Making a claim

• How a claim is assessed

We have developed a guide to help step you through the various claims processes. Visit sunsuper.com.au/makeaclaim for more information on making a claim.

Do you need a lawyer to assist with your claim?Every insurance claim is different. Our claim process has been designed so that in most cases you or your family should not need the assistance of a lawyer when making a claim with Sunsuper. Our experienced Claims Representatives are here to assist you with your claim throughout the whole process.

However, if you wish to engage the services of a lawyer to assist with your claim you can do so at any time.

Remember, we are here to help, so call us on 13 11 84 if you have any questions about how to make a claim.

Can I nominate a beneficiary?In the unfortunate event of your death, the Sunsuper Trustee is required to pay your Death benefit to your beneficiaries, or where there are no eligible beneficiaries, to any person who has a fair claim. For your Super-savings account you can complete either:

• a binding death benefit nomination – allows you to nominate who will receive your superannuation benefits in the event of your death and ensures that the Trustee is legally bound by your wishes. Claims are generally processed faster when a valid binding death benefit nomination is in place, or

• a preferred beneficiary nomination – this is used by the Trustee as a guide when deciding who should receive your Death benefit, as there may be restrictions on who the benefit can be legally paid to. There may also be lengthy investigations to determine who the benefit should be paid to.

Refer to page 14 of the Sunsuper for life guide for more information.

How to make a claimWhile we do hope that you never need to, the following information may assist you in understanding the claim process in the event that you do need to make a claim. Any claim process will involve:

• notification to us

• gathering information and providing it to us

• assessment of the insurance claim by the insurer

• assessment by the Sunsuper Trustee, including determination of the beneficiary(ies)

• decision by the Sunsuper Trustee

• payment of the claim, if approved.

These steps do take some time, although our experienced Claims Representatives will help you at every stage of the process.

Further information may be requested at different stages of the process, and with disablement claims you may be required to undergo an examination by a Medical Practitioner or professional of the insurer’s choice. The insurer will usually meet the costs associated with any additional information requests.

Death claimsIt is important that in the event of your death, Sunsuper is notified by a relative or legal personal representative to enable the claims process to begin. Once we receive formal notification of your death, your Super-savings account will normally be transferred to the Cash investment option. Any insurance benefit paid into your Super-savings account will also be invested in the Cash investment option, and will remain invested there until the Trustee finalises payment of your Death benefit.

Disablement claims (TPD, IP and Terminal Illness)Sunsuper should be notified as soon as reasonably possible after an event that is likely to give rise to a disablement or Terminal Medical Condition claim. Please note that there is a 3-month Waiting Period before a Tailored TPD claim becomes assessable, and a Waiting Period applicable to you in the event of an IP claim.

If you don’t have insurance with us, you may still be able to claim your super balance under a Permanent Incapacity benefit. If you are suffering from a Terminal Medical Condition you may also be able to access your super balance. Please contact Sunsuper on 13 11 84 to discuss these options.

If your claim is declined If your claim is declined by the insurer your claim will be referred to the Sunsuper Trustee for independent assessment. If the Sunsuper Trustee declines your claim and you disagree with this decision you may lodge a complaint, in writing, with Sunsuper. Your complaint will be investigated, and if the decision to decline your claim is confirmed by the Fund, you may ask the Superannuation Complaints Tribunal (SCT) whether you are eligible to submit a complaint. There are time limits on when you can make a complaint to the SCT about a TPD claim. Call the SCT on 1300 884 114 or visit their website www.sct.gov.au for more information about these time limits.

Incorrect information and eligibility for coverIf your recorded age or gender is incorrect, the insurer has the right to adjust the premium or the benefit based on correct information. As a general rule, your eligibility for cover will not be assessed until you make a claim. Please refer to 4 Am I eligible for insurance cover?

Claims after your cover has stoppedIf an event occurs before the date your cover stops or is terminated, and that event entitles you to make an insurance claim, you may still be eligible for that payment even after your cover has stopped.

Claim investigationIf you make a claim, the insurer reserves the right to investigate the claim including but not limited to conducting surveillance and requesting information and medical examinations.

Occupational Rehabilitation in Sunsuper - “Work is Good Medicine” At Sunsuper we work with our insurer to offer you access to one of the largest and most experienced rehabilitation teams in Australia, so if you have an injury, disability or health condition we can arrange work related rehabilitation to assist you back to meaningful work.

We work in partnership with you, your treating health professionals and employer to assist you back to suitable work as part of your recovery plan. If you are unemployed, we can assist you to improve your fitness for work.

Returning to work restores more than your income. It helps to restore your identity and self-esteem.

Rehabilitation services may include:

• initial meetings with a rehabilitation provider to identify your return to work needs

• work place visits to identify solutions in your return to work plan

• equipment to ensure you maintain your job

• career guidance to explore alternative work options if you can’t work in your usual role

• improving your skills and capabilities so that your return to work is sustainable.

Rehabilitation is not appropriate for everyone.

Together we can assist you back to work and back to a fuller life!

p48 p49

Other Important information

Need some financial advice?When you make a claim, or receive an insurance benefit, not only is it likely to be a difficult time, but it can be hard to know what your next step is. You may need help with a tailored financial plan or help in moving into a new or different phase of your financial life after a major event and/or insurance payout. You don’t need to panic and you don’t need to be rushed into a course of action.

Speak to your adviser or contact Sunsuper to get the advice you need. Call 13 11 84 to speak to one of our qualified financial advisers1 who can give you simple advice about your Sunsuper account at no additional cost, quickly over the phone. For more comprehensive advice, we may refer you to an accredited external financial adviser2. Advice of this nature may incur a fee.1 Sunsuper employees provide advice as representatives of Sunsuper Financial

Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), wholly owned by the Sunsuper Superannuation Fund.

2 Sunsuper has established a panel of accredited external financial advisers who are not employees of Sunsuper. Sunsuper is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined.

Your Duty of Disclosure for insurance cover

A person who enters into a life insurance contract in respect of your life has a duty to disclose anything to the insurer that they know, or could reasonably be expected to know, that may affect the insurer’s decision to provide the insurance and on what terms.

The person entering into the contract has this duty until the insurer agrees to provide the insurance. The person entering into the contract has this same duty before they extend, vary or reinstate the contract. The person entering into the contract does not need to tell the insurer anything that reduces the risk you are insured for; or is common knowledge; or the insurer knows or should know as an insurer; or if the insurer waives the duty to tell them.

If you do not tell us or the insurer something that you know, or could reasonably be expected to know, that may affect the insurer’s decision to provide the insurance and on what terms, this may be treated as a failure to comply with this Duty of Disclosure.

If you do not tell us or the insurer something

In exercising the following rights, the insurer may consider whether different types of cover can constitute separate contracts of life insurance. If they do, the insurer may apply the following rights separately to each type of cover.

Where there is a failure to comply with this Duty of Disclosure, and the insurer would not have provided the insurance if the Duty of Disclosure had been complied with, the insurer may avoid the contract within three years of entering into it.

If the insurer chooses not to avoid the contract, the insurer may, at any time, reduce the amount of insurance provided. This would be worked out using a formula that takes into account the premium that would have been payable if the Duty of Disclosure had been complied with. However, if the contract has a surrender value, or provides cover on death, the insurer may only exercise this right within three years of entering into the contract.

If the insurer chooses not to avoid the contract or reduce the amount of insurance provided, they may, at any time vary the contract in a way that places them in the same position the insurer would have been if the Duty of Disclosure had been complied with. However, this right does not apply if the contract has a surrender value or provides cover on death. If the failure to comply with the Duty of Disclosure is fraudulent, the insurer may refuse to pay a claim and treat the contract as if it never existed.

For further information please call us on 13 11 84.

10 Definitions

The following terms are used throughout this guide:

Term Definitions

Accident Accident is defined as a physical injury 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 physical condition.

Activities The definition of Activities means:

i) Mobility: The ability to:

• Bend, kneel or squat to pick something up from the floor and straighten up again and get into and out of a standard sedan car; or

• To walk more than 200 metres at a normal pace on a level surface without stopping due to breathlessness as a result of a medical condition or angina.

ii) Hearing: the ability to hear such that an audiologist can certify that you have a hearing ability 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.

iii) Communicating through speech: the ability to speak with sufficient clarity to be able to hold a conversation in a quiet room in your first language. This involves understanding a simple message and relaying that message to another person.

iv) Seeing: the ability to see even when tested with visual aids, such that an ophthalmologist can certify that your visual acuity is better than 6/60 in the better eye or a visual field of greater than 10 degrees (i.e. not legally blind).

v) Lifting and carrying: The ability to lift (from bench height) and carry a 5kg weight a distance of ten (10) metres and place the item back down at bench height.

vi) Manual dexterity: The ability to use:

• at least one hand to pick up and/or manipulate 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.

For the purpose of assessing a TPD claim, where you are unable to perform one or more of the Activities upon commencement of cover, that Activity shall not be taken into consideration for TPD assessment.

Aids and adaptations

Aids and adaptations mean equipment or fixtures to assist you without the assistance of another person to carry out Activities.

Approved Leave

Approved Leave means parental leave, annual leave, bereavement leave, long service leave or any other leave approved by your employer for reasons other than related to injury or sickness.

At Work At Work means you are: a) actively performing or capable of performing all of your normal duties, without limitation or restriction due to

injury or sickness, and where working you are working normal hours, and

b) in the insurer’s opinion, not restricted by injury or sickness from being capable of actively performing your full and normal duties on a full-time basis (for at least 30 hours per week) even though actual employment may be on a full-time, part-time, casual or contract basis, and

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

You will be considered to be At Work on the applicable date, as the context requires, if you are on Approved Leave for reasons other than injury or sickness, and not taking into account the leave, are able to meet the At Work definition.

In addition for Death and TPD cover only, At Work also means if you are not gainfully employed but are engaged in full-time Domestic Duties you will meet the At Work requirement if you are able to actively perform your normal full-time Domestic Duties without limitation or restriction due to injury or sickness.

Benefit Period

Benefit Period means the maximum period of time for which benefits will be paid for any one period of Total Disability, Limited Total Disability or one period of Total Disability and Partial Disability.

Cognitive Function

Cognitive Function means intellectual capacity, loss of which requires you to be under the continuous care and supervision of another adult person for at least three consecutive months and, at the end of that 3-month period, you are likely to require permanent ongoing continuous care and supervision by another adult person.

p50 p51

Term Definitions

Date of Disablement (IP)

The Date of Disablement is where you are:a) working and then cease work as a result of a sickness or injury, the last day you worked provided this was as a

result of a sickness or injury and which has been certified by a registered Medical Practitioner, or

b) on Approved Leave or unemployed and suffer a sickness or injury which prevents you from returning to work as a result of that sickness or injury, the Date of Disablement will be determined based on the certification provided by the registered Medical Practitioner as at the date on which you became disabled.

Date of Disablement (TPD Assist)

The Date of Disablement depends on your employment status and the type of injury or sickness that caused your permanent disablement:

Claiming under TPD component

Date of Disablement

Part A

The date:You suffer the loss of the use of two limbs (where ‘limb’ is defined as the whole hand or the whole foot), the sight in both eyes, or the sight in one eye and the use of one limb; or

That is three months after loss of intellectual capacity.

Part B

The first day you permanently ceased all work solely as a result of the injury or sickness, or where you have been unemployed less than six months the date you are medically certified by a Medical Practitioner that the injury or sickness is preventing you from being able to work, even though work may not be available at that time.

Part CThe first day of the three month qualifying period being the date on which you, as a result of an injury or sickness, are unable to perform at least three (3) Activities, and are not able ever again to perform these three (3) Activities and medical certification has been provided with respect of that date.

Part D

The first day you ceased all work solely as a result of suffering one or more of the listed Medical Conditions outlined in Part D of the TPD Assist definition, or where you have been unemployed less than six months the first day on which you are medically certified by a Medical Practitioner as suffering one or more of the listed Medical Conditions outlined in Part D of the TPD Assist definition.

Date of Disablement- (Tailored TPD)

The Date of Disablement depends on your employment status and the type of injury or sickness that caused your permanent disablement:

Claiming under TPD component

Date of Disablement

Part A

The date:You suffer the loss of the use of two limbs (where ‘limb' is defined as the whole hand or the whole foot), the sight in both eyes, or the sight in one eye and the use of one limb; or That is three months after loss of intellectual capacity.

Part B

The first day of the three month qualification period being the day you permanently ceased all work solely as a result of the injury or sickness, or where you have been unemployed less than six months the date you are medically certified by a Medical Practitioner that the injury or sickness is preventing you from being able to work, even though work may not be available at that time.

Part CThe first day of the three month qualification period being the date on which you, as a result of an injury or sickness, are unable to perform at least three (3) Activities, and are not able ever again to perform these three (3) Activities and medical certification has been provided with respect of that date.

Date of Lodgement

Date of Lodgement means the date you lodge a claim for a TPD Assist benefit with Sunsuper under the TPD Assist definition and provide all mandatory documentation required by the insurer in relation to the claim to commence assessment.

Domestic Duties

Domestic Duties means you have chosen to remain at home and perform unpaid home duties as your primary occupation. The choice to remain at home should not be due to unemployment or as a result of a sickness or injury.

Employed (TPD)

Employed means:i) you are engaged under a contract of employment with an Australian employer (which includes on secondment or

transfer to an international subsidiary or an associated or affiliated company of an Australian employer), or

ii) you are Self-Employed and earning an income under an ABN registered entity, or

iii) you have been unemployed for less than six months, or

iv) you have been on Unpaid Leave for less than two years with an Australian employer, or

v) you are working for an overseas employer for at least 15 hours per week, or

vi) you are engaged in unpaid Domestic Duties in your own home.

Term Definitions

Fixed Cover Fixed Cover basis means your amount of insurance cover stays the same, but your weekly premium will generally increase as you get older.

Fixed Premium

Fixed Premium basis means your weekly premium stays the same, but your insurance cover will generally decrease as you get older.

Income (IP) Income means your pre-tax income derived from your occupation, less any expenses incurred in deriving that income. Unless otherwise agreed with the insurer, Income does not include director’s fees, overtime payments, commissions, bonuses, penalty or shift allowances, mandated superannuation contributions, investment income, income received from deferred compensation plans, disability income policies, retirement plans or any income derived from non-vocational activities.

For Self-Employed Persons, Income means the income generated by the business or practice due to your personal exertion or activities, less your share of necessarily incurred business expenses and investment income.

Income is determined when applying for Income Protection cover.

Proof of Income is also required at the time of a benefit claim.

For claims, Income is determined at the first day of absence from your employment due to the injury or sickness resulting in Total Disability. The amount of benefit will depend on the cover most recently accepted by the insurer.

Limited Cover Limited Cover means you are only covered for claims arising from a sickness which first Manifests itself or an injury which occurred on or after the date your cover commenced, most recently commenced or increased (where applicable) under the policy and was not related to the condition that occurred before the date your cover commenced, most recently commenced or increased (where applicable) under the policy.

“Manifests” means that symptoms exist which would cause an ordinary prudent person to seek diagnosis, care or treatment, or that medical advice or treatment has been recommended by or received from a Medical Practitioner.

Limited Total Disability (IP)

Limited Total Disability means as a result of sickness or injury, you:

a) have been incapacitated to such an extent as to render yourself unable to engage in your usual occupation or any occupation for which you are reasonably suited by education, training and experience, and

b) remain under the regular care, attendance and following the advice of a registered Medical Practitioner in relation to that sickness or injury, and

c) are not engaged in any occupation (whether paid or unpaid).

The above definition applies for up to 24 months while you are on Unpaid Leave if you were working on average less than 15 hours per week in the three months immediately prior to going on Unpaid Leave.

Medical Conditions

The following are the definitions for the specified Medical Conditions as per Part D of the TPD Assist definition:

Primary Pulmonary Hypertension means:

Primary pulmonary hypertension associated with right ventricular enlargement established by cardiac catheterisation and echo cardiography, resulting in significant irreversible physical impairment of at least Class III of the New York Heart Association classification of cardiac impairment.

Pulmonary Hypertension in association with chronic lung disease is specifically excluded.

Other forms of hypertension (involving increased blood pressure) are specifically excluded.

The New York Heart Association classifications are:

i) Class I – no limitation of physical activity, no symptoms with ordinary physical activity.

ii) Class II – slight limitation of physical activity, symptoms occur with ordinary physical activity.

iii) Class III – marked limitation of physical activity and comfortable at rest, symptoms occur with less than ordinary physical activity.

iv) Class IV – symptoms with any physical activity and may occur at rest, symptoms increased in severity with any physical activity.

Major Head Trauma means:An accidental head injury resulting in permanent neurological deficit, resulting in you suffering at least a 25% impairment of whole person function as defined in “Guides to the Evaluation of Permanent Impairment 5th edition”, American Medical Association. Diagnosis must be confirmed by a consultant neurologist.

Motor Neurone Disease means:The unequivocal diagnosis of motor neurone disease confirmed by a consultant neurologist.

p52 p53

Term Definitions

Medical Conditions

Multiple Sclerosis means:The unequivocal diagnosis of multiple sclerosis confirmed by a consultant neurologist.

Muscular Dystrophy means:The unequivocal diagnosis of muscular dystrophy confirmed by a consulting neurologist.

Dementia / Alzheimer’s Disease means:The diagnosis of dementia as confirmed by a consultant neurologist or geriatrician resulting in significant cognitive impairment. Significant cognitive impairment means deterioration in your mini-mental state examination, or equivalent thereof, scores to 20 or less.

Parkinson’s Disease means:The unequivocal diagnosis of idiopathic Parkinson’s disease as confirmed by a consultant neurologist. All other types of Parkinsonism are excluded (e.g. secondary to medication or Parkinson-plus syndromes).

Chronic Lung Disease means:End stage respiratory failure requiring permanent oxygen therapy with FEV 1 test results consistently showing less than one litre.

Medical Practitioner

Medical Practitioner means a legally qualified and registered doctor of medicine. It does not include your employer, you, an employee of your employer or a member of your or your employer’s immediate family or business partner(s).

New Assessment Date

New Assessment Date means the date a claim is lodged for a TPD Assist benefit with Sunsuper under the TPD Assist Part B2 definition and provides all mandatory documentation required by the insurer in relation to the claim to commence assessment, and cannot be less than 12 months after the later of:

a) the date your claim is accepted following the Date of Lodgement; and

b) the previous New Assessment Date at which you met the TPD Assist Part B2 definition.

Occupational Categories

The following Occupational Categories apply within Tailored cover. Professional and White will also apply to White Collar cover.

ProfessionalWhite Collar professionals performing no manual duties (e.g. doctor, lawyer, accountant). Usually those with a tertiary qualification or registered with a professional body (and they must be using these qualifications in their occupation).

WhiteClerical, administration and managerial occupations involving office duties only. Includes those who do less than 10% light manual duties (e.g. administrator, bookkeeper, computer operator).

Light BlueCertain light manual skilled workers (e.g. photocopy/TV repairers), purchasing officers, travelling sales representatives, claims/loss assessors, business owners in non-hazardous industries involved in light manual work (e.g. coffee shop owner) and supervisors of workers in Medium Blue occupations.

Medium BlueQualified tradespeople involved in non-hazardous industries doing light manual work (e.g. qualified tradespeople such as cabinetmaker, carpenter, plumber, mechanic).

Heavy BlueHeavy manual workers, unskilled or performing higher risk occupations, tradespeople involved in heavier manual work (e.g. brick layer (qualified), interstate bus driver, warehouse worker, carpet layer, house removalist).

HazardousThere are other occupations classified as hazardous including airline crew and pilots, fire fighters, professional sports people, police, underground workers, miners, abalone divers, asbestos workers, bouncers and those working at heights above 10 metres. For hazardous occupations, the insurer reserves the right to assess applications for cover on a different premium basis to the five categories listed above.

Term Definitions

Occupational Rehabilitation Program

Occupational Rehabilitation Program means any program which, at the Date of Lodgement and each New Assessment Date or any other date the Insurer deems appropriate, the insurer in its sole discretion determines will assist you to improve your ability to work in your own occupation or another occupation for which you are, or may be at the conclusion of rehabilitation or retraining, reasonably suited by education, training or experience through the skills acquired during any Occupational Rehabilitation Program.

In determining these rehabilitation services, the insurer may take into account the following criteria and any other criteria the insurer considers appropriate:

i) your current or potential vocational abilities; and

ii) available medical evidence; and

iii) the nature, scope, objective and costs of any rehabilitation or re-training program.

The insurer may require at its own cost an independent examination(s) to assist in designing and implementing an Occupational Rehabilitation Program that is appropriate for you to participate in. You will not be required to pay for any Occupational Rehabilitation Program. Any Occupational Rehabilitation Program must be designed in accordance with any criteria agreed between the insurer and Sunsuper and amended or replaced from time to time.

Any Occupational Rehabilitation Program will not include any program providing ‘hospital treatment’ or ‘general treatment’ within the meaning of the Private Health Insurance Act 2007 (Cth) or any other program which might cause the policy to cease to be exempt from the relevant health insurance legislation.

Partial Disability or Partially Disabled (IP)

Partial Disability means that, following a period of Total Disability (for 7 out of the first 10 working days of the Waiting Period) and while you continue to be either Totally Disabled or Partially Disabled during the Waiting Period you:

a) have returned to work in your usual or an alternative occupation, and

b) are under the care of and complying with the reasonable advice given by a registered Medical Practitioner, and

c) as a result of the disability, you have suffered and continue to suffer loss of income as a direct result of the injury or sickness.

The income benefit paid during Partial Disability will be calculated in line with the proportionate loss of income from the end of the Waiting Period.

Permanent Incapacity

Permanent Incapacity is a condition of release of superannuation benefits defined in the Superannuation Industry (Supervision) Regulations 1994 (Cth). A member of a superannuation fund is taken to be suffering Permanent Incapacity if the Trustee of the fund is reasonably satisfied that the member’s ill-health (whether physical or mental) makes it unlikely that the member will engage in gainful employment for which the member is reasonably qualified by education, training or experience.

Pre-Disability Income (IP)

Pre-Disability Income means the higher of the gross monthly income you earned at the Date of Disablement or an average of the gross monthly income earned by you over the three months immediately prior to the Date of Disablement.

If you are a casual or contract employee, or unemployed, the Pre-Disability Income means the average of the gross monthly income earned over the 12 months (or if employed less than 12 months, over your period of employment) immediately prior to the Date of Disablement.

If you are Self-Employed, Pre-Disability Income means the greater of the average of the gross monthly income earned over the 12 months and the latest financial year immediately prior to the Date of Disablement.

Self-Employed Person

A Self-Employed Person means a person who operates a business or profession as a sole proprietor, partner in a partnership, independent contractor or consultant and reports income earned from self-employment.

Terminal Illness

Terminal Illness means you are suffering from an illness, or have incurred an injury, that is likely to result in your death within a period of 24 months from the date of certification of the Terminal Illness by two registered Medical Practitioners (one being a specialist physician in the particular medical field), both acceptable to the insurer and the certification periods have not ended. The benefit the insurance policy pays out is termed as a Terminal Illness benefit.

Terminal Medical Condition

Terminal Medical Condition is a condition of release of superannuation benefits defined in the Superannuation Industry (Supervision) Regulations 1994 (Cth). For more information refer to the Sunsuper for life guide.

p54 p55

Term Definitions

Total and Permanent Disablement (TPD) Assist

Total and Permanent Disablement (TPD) Assist means:

Part A a) As a result of an injury or sickness you have suffered, at the Date of Disablement, the total and irrecoverable

loss of:

• the use of two limbs; or

• the use of the sight of both eyes; or

• the use of one limb and the sight of one eye; or the loss of Cognitive Function (this has a three consecutivemonth Waiting Period). (where limb is defined as the whole hand or the whole foot); and

b) the insurer, after considering all relevant evidence which is reasonably available, then determines that you will beunable ever again to be gainfully employed in any occupation for which you are reasonably suited by education,training or experience; or

Part B1Where you were Employed immediately prior to the Date of Disablement and solely by reason of an injury or sickness:

a) you have been continuously unable to perform your occupational duties since the Date of Disablement andremain so at the Date of Lodgement solely due to the injury or sickness; and

b) you are under the care of, and following the advice and treatment of a Medical Practitioner; and

c) the insurer determines in its opinion that you, as at the Date of Lodgement, will be unable ever again to begainfully employed in any occupation for which you are reasonably suited by education, training or experience.

The determination by the insurer under paragraph (c) is to be made after considering all relevant evidence which is reasonably available to the insurer as at the Date of Lodgement, including any education, training or experience acquired by you up to the Date of Lodgement.

Part B2Where you were Employed immediately prior to the Date of Disablement and solely by reason of an injury or sickness:

a) you have been continuously unable to perform your occupational duties since the Date of Disablement andremain so at the New Assessment Date solely due to the injury or sickness; and


c) either:

i) you have not been required by the insurer to participate in an Occupational Rehabilitation Program; or

ii) have been required by the insurer to participate in an Occupational Rehabilitation Program and are fullyparticipating in the Occupational Rehabilitation Program to the satisfaction of the insurer*; and

d) the insurer determines in its opinion that you, as at the New Assessment Date, will be unable ever again to begainfully employed in any occupation for which you are reasonably suited by education, training or experience.

The determination by the insurer under paragraph (d) is to be made after considering all relevant evidence which is reasonably available to the insurer as at the relevant New Assessment Date, or subsequently given to the insurer and relevant to the assessment of you as at the relevant New Assessment Date, including any Occupational Rehabilitation Program and any education, training or experience acquired by you up to the relevant New Assessment Date; or* Where you cease to participate in a required Occupational Rehabilitation Program on the advice of your treating Medical Practitioner, the insurer will

consider whether it should vary the Occupational Rehabilitation Program or withdraw its requirement that you participate in the Occupational RehabilitationProgram and in doing so will consider any independent evidence in its consideration as well as any written documentation from your treating Medical Practitioner addressing the following:

i) outlining the reasons that you have been advised to cease participation in the Occupational Rehabilitation Program; and

ii) stipulating the duration of any required period of cessation and the anticipated timeframe for return to participation in the Occupational RehabilitationProgram; and

iii) whether any variations can be made to the Occupational Rehabilitation Program that would enable you to participate; and

iv) all medical information relied upon by the treating Medical Practitioner in forming their opinion.

Term Definitions

Total and Permanent Disablement (TPD) Assist

Part CWhere you were not Employed immediately prior to the Date of Disablement and solely by reason of an injury or sickness:

a) you have not been able to perform at least three of the following Activities; Mobility, Hearing, Communicatingthrough speech, Seeing, Lifting and Carrying and Manual dexterity for a period of three consecutive months afterthe Date of Disablement; and


c) the insurer, after considering all relevant evidence which is reasonably available, then determines that it islikely, due to the injury or sickness, that you are totally and permanently unable to perform (with Aids andadaptations) at least three Activities in paragraph (a) above; and

d) the insurer, after considering all relevant evidence which is reasonably available, then determines that you will beunable ever again to be gainfully employed in any occupation for which you are reasonably suited by education,training or experience; or

Part D Where you were Employed immediately prior to the Date of Disablement and are absent from all work and have been certified by a Medical Practitioner as being unable to perform your occupational duties since the Date of Disablement:

a) solely as a result of suffering one or more of the following; Primary Pulmonary Hypertension, Major Head Trauma,Motor Neurone Disease, Multiple Sclerosis, Muscular Dystrophy, Dementia and Alzheimer’s Disease, Parkinson’sDisease or Chronic Lung Disease; and

b) the insurer, after considering all medical evidence which is reasonably available, then determines that you will beunable ever again to be gainfully employed in any occupation for which you are reasonably suited by education,training or experience.

Note: a different TPD definition may apply to some members and if this applies to you, you will have been informed separately.

Tailored Total and Permanent Disablement (TPD)

Tailored Total and Permanent Disablement (TPD) means:

Part A a) As a result of an injury or sickness you have suffered, at the Date of Disablement, the total and irrecoverable loss of:

• the use of two limbs; or

• the use of the sight of both eyes; or

• the use of one limb and the sight of one eye; or

• the loss of Cognitive Function (this has a three consecutive month Waiting Period)(where limb is defined as the whole hand or the whole foot); and

b) the insurer, after considering all relevant evidence which is reasonably available, then determines you will beunable ever again to be gainfully employed in any occupation for which you are reasonably suited by education,training or experience; or

Part BWhere you were Employed immediately prior to the Date of Disablement and solely by reason of an injury or sickness:

a) you are unable to perform your occupational duties for a period of three consecutive months since the Date ofDisablement solely due to the injury or sickness, and

b) you are under the care of, and following the advice of, a registered Medical Practitioner; and

c) the insurer, after considering all relevant evidence which is reasonably available, then determines you will beunable ever again to be gainfully employed in any occupation for which you are reasonably suited by education,training or experience; or (refer to Part C overleaf)

p56

Term Definitions

Tailored Total and Permanent Disablement (TPD)

Part CWhere you were not Employed immediately prior to the Date of Disablement and solely by reason of an injury or sickness:

a) you have not, as a result of an injury or sickness, been able to perform at least three of the following Activities;Mobility, Hearing, Communicating through speech, Seeing, Lifting and Carrying and Manual dexterity, for a periodof three consecutive months after the occurrence of the Date of Disablement; and

b) you are under the care of, and following the advice and treatment of, a registered Medical Practitioner; and

c) the insurer, after considering all relevant evidence which is reasonably available, then determines that it islikely, due to the injury or sickness, that you are totally and permanently unable to perform (with Aids andadaptations) at least three (3) Activities in paragraph (a) above; and

d) the insurer, after considering all relevant evidence which is reasonably available, then determines you will beunable ever again to be gainfully employed in any occupation for which you are reasonably suited by education,training or experience.

Note: a different TPD definition may apply to some members and if this applies to you, you will have been informed separately

Total Disability or Totally Disabled (IP)

Total Disability means that, as a direct result of injury or sickness, you are:

a) continuously and completely unable to perform at least one of the major duties of your usual occupation basedon the work performed at the time of injury or sickness, and

b) under the regular care of and complying with the reasonable advice given by a registered Medical Practitioner inrespect of that injury or sickness, and

c) not in any occupation for which a person would normally expect to receive remuneration or profit.

A major duty is an income-producing duty of your regular occupation, which involves at least 20% of your overall occupational tasks.

For those on Unpaid Leave, the above definition applies for up to 24 months while you are on Unpaid Leave if you were working an average of 15 hours or more per week in the 3 months immediately prior to going on Unpaid Leave.

Unpaid Leave Unpaid Leave means leave (not being cessation of employment) without pay from your employer. This leave must be:a) approved by your employer or authorised by:

• the Commonwealth, a State or a Territory, or

• a certified agreement or award made by a tribunal or body having the authority to do so under the law of theCommonwealth, a State or a Territory.

b) in relation to which you have a statutory or contractual right to resume employment at the end of the leave, and

c) in relation to which you are not being paid by the employer.

Unpaid Leave excludes leave:a) that is due to your injury or sickness, or

b) during which you receive or are entitled to receive:

• income benefits, or

• disability income benefits, or

• social security sickness benefits, or

c) due to strike or lockout.

Waiting Period

The Waiting Period is the number of continuous days which you must remain off work due to an injury or sickness before the Total Disability benefit or Partial Disability benefit begins to accrue. The Waiting Period commences from the date you are Totally Disabled and unable to work, as certified by a registered Medical Practitioner.

of 4

Please continue over page

2A

2C

$

M F

1 %

1 %

2 %

2 %

3 %

3 %

YES NO YES NO

YES NO

FRM-P-S0013C-0917 / 2008 (09/17)

Transfer of insurance cover

#Please provide a daytime phone number where we can reach you if we have additional questions about your application. Note: Unless you have elected to receive printed information, Sunsuper will confi rm this change electronically if we can. We’ll email or SMS you if you have information to view in Member Online.If you would prefer information is posted to you in the future, change your preferences in Member Online, the Sunsuper app or call us on 13 11 84.

Personal email address Mobile phone number*

Daytime phone number*#Home phone numberSuburb / Town* State* Postcode*

Country of Birth*Street Address / PO Box*

First name* Middle nameTitle

Date of birth (DD/MM/YYYY)* Gender*Last name*

Important: Please provide us with as much information as possible. Please tick box where appropriate. Use BLOCK letters and dark ink when completing this form and ensure it is signed and dated. If you are under 18 please call us on 13 11 84 before completing this form.

13 11 84 sunsuper.com.auReply Paid 2924 Brisbane Qld 4001

Personal details

Details of your occupation

Previous cover details - Applying to transfer cover from a super fund or an individual policy

Member numberif already a member

List the principal duties of your occupation, and the percentage of time at work spent doing each (e.g. offi ce work 20%, site inspection 80%)

List the primary locations of your occupation, and the percentage of time at each location (e.g. offi ce 20%, home 30%, suburban driving 50%)

I confi rm that these documents show details of my existing cover, including Waiting and Benefi t Periods for Income Protection cover (if applicable) and any loadings or exclusions. I confi rm that my cover remains valid at the date of this application.

Your occupation Degree/Trade qualifi edAre you currently working?If ‘No’, go to Section 2B

Industry (e.g. Mining, Manufacturing, Construction, Agriculture, Retail)

Previous Super fund or Life Insurance Company name

Name of your employer

Member/Policy Number

Your annual IncomeRefer to page 51 of the Sunsuper for life Insurance guide for the defi nition of ‘Income’.

Hours that you worka week (on average):

Under 15 hours2

15 hoursto 60 hours

Greater than60 hours

1 If you are a casual or a contractor you will only be eligible to apply for a 2-year Income Protection Benefi t Period.

2 If you are working less than 15 hours per week you will not be eligible to apply for Income Protection.

It’s simple, you can apply to transfer cover anytime.Use this form to apply to transfer your current insurance cover from an existing superannuation fund (“previous fund”) or an individual insurance policy (“previous policy”) to Sunsuper.

Please provide:• a letter or certifi cate of currency from your previous super fund or Life Insurance provider detailing your current insurance cover,• details of any loadings, exclusions and restrictions applicable to that cover, and• the confi rmation must have been issued within the last 30 days.

What is your employment status?

If unemployed - specify your duties (e.g. student, home duties, or retired)

Permanent full time

Contractor1 UnemployedPermanent

part timeSelf

employedCasual12B

You should not cancel your existing cover until you have received confi rmation from Sunsuper that your transfer request has been accepted by Sunsuper.Please complete all mandatory sections. *DENOTES MANDATORY FIELD.

Important

1

2

3

PERFORATE HERE 10mm FROM SPINE FOLD

Page 2 of 4

I understand that any transferred Death and TPD cover will be subject to the terms and conditions of the Sunsuper insurance policy (including defi nition of Total and Permanent Disablement), and subject to a maximum dollar value of $1,000,000 for Death cover and $1,000,000 for TPD cover. Transferred cover is in addition to any existing cover.


6A

6B

$

$ $ YES NO

Income Protection (IP) cover

Personal statement/Confi rmation of requirements

Death and/or TPD cover

I confi rm that the existing level of cover under my previous fund or policy is as follows:

If you want to replace your transferring cover with a lower amount of cover or prefer fi xed premiums^ to apply to your transferring cover, please specify below:

Death cover

Death cover

TPD cover

TPD cover

$ $Your transferring cover will be fi xed cover (your cover stays the same and your premiums will generally increase on each birthday).

Fixedpremium^

^ Your premium remains the same and your cover will generally reduce on each birthday.

Note: Transferred cover is provided as Tailored cover. When Tailored Death and TPD cover is approved, any existing Death and TPD cover/ premium you have may change based on your occupational classifi cation.

Your application for transfer of cover will be assessed by our insurer and we will notify you of the outcome. Our insurer may need to contact your previous fund or the insurer of your previous policy in completing its assessment of your application.

If your application to transfer existing Death and Total and Permanent Disablement (TPD) cover is accepted, you will be allocated additional Sunsuper Tailored cover (up to a maximum dollar value of $1,000,000 for this transfer) to replace your Death and TPD cover under your previous fund or previous policy. This transferred cover will be fi xed cover unless you specify otherwise. Any automatic Death and TPD Assist cover amount you were eligible to receive on joining Sunsuper (and any existing additional Tailored cover) will continue as Tailored cover.

Premiums may vary. If your application to transfer existing underwritten Income Protection

(IP) insurance is accepted, you will be allocated Tailored IP cover (up to a maximum of $10,000 monthly benefi t and 85% of your salary). Any existing IP cover may continue, subject to maximum limits. We will advise you of the Waiting Period available to you (30, 60, 90 or 180 days), upon acceptance of your application.

If you have applied for additional cover through Sunsuper and been declined or been eligible for a TPD Assist claim, this Transfer of insurance cover application will not be accepted.

The cost of approved transferred cover will be based on the applicable premium rates and will refl ect your occupational category and any premium loadings or exclusions that may have applied to your previous cover.

Benefi t Period

Waiting Period

monthly benefi t days

I understand that any transferred IP cover will be subject to the terms and conditions of the Sunsuper insurance policy (including defi nition of Totally Disabled). A $10,000 maximum monthly benefi t limit applies (subject to 85% of your salary). Where the Waiting Period offered under my previous fund / policy is different to the available Waiting Periods under the Sunsuper Insurance policy, my Waiting Period will be rounded up to the next longest Waiting Period. Where the Benefi t Period offered is different to the available Benefi t Period under the Sunsuper insurance policy, my Benefi t Period will be limited to the next shortest Benefi t Period available.

IP cover

You should not cancel your existing cover until you have received confi rmation that your transfer request has been accepted by Sunsuper.

Note: Transferred cover is provided as Tailored cover. When Tailored IP cover is approved, any existing IP cover/premium you have may change based on your occupational classifi cation.

I do NOT want to have my IP cover indexed on 1 July each year

For transfer of cover from an existing superannuation fund or an individual retail insurance policy:

Important

Please confi rm (by ticking the box below) that the statements are true and correct and you agree to abide by the requirements set out in these statements:

Please answer yes or no to the following questions:

i. The existing insurance cover under my previous fund or retail insurance policy will be cancelled, upon acceptance of this request;

ii. I will not be transferring the cover under my previous fund or retail insurance policy to any other division of that previous fund or insurer or to any other fund (other than Sunsuper) or insurer;

iii. I will not exercise a continuation option or subsequently reinstate cover within the previous fund or any associated fund or previous insurance policy;

iv. I will provide supporting evidence of my current insurance cover (a letter or certifi cate of currency from your previous Super fund or Life Insurance provider). Please note, your supporting evidence for IP cover must include the Waiting Period and Benefi t Period of your current cover.

1. Due to illness or injury are you absent from work or restricted from carrying out all your usual duties on a full time basis for at least 30 hours per week (even if you are currently working on a part-time basis)?

2. Have you ever been paid/ lodged or are eligible to lodge any TPD, Terminal Illness or IP claims or received a benefi t as a result of Permanent Incapacity or a Terminal Medical Condition from any superannuation fund or life insurance policy?

3. Have you been diagnosed with an illness that reduces your life expectancy to less than 24 months from today?

4. Within the past 12 months have you seen or have you been advised to see within the next 12 months a medical specialist? Your GP is not considered a medical specialist.

5. Have you ever had any special conditions or restrictions (loadings or exclusions) placed on any Death, TPD or IP insurance? If yes, please provide all details you have received from the insurer or fund with this application

If you answered “Yes” to question 4 or 5 above please provide full details in the Notes/ Additional information on page 4 of this form.If you answered Yes to Questions 1, 2 or 3 you are not eligible to transfer your existing cover to Sunsuper. If you wish to increase your current cover, please go to sunsuper.com.au/insuranceforms and complete the Tailored insurance application.

YES NO

YES NO

YES NO

YES NO

YES NO

5

6

4

Page 3 of 4

Authorisation and declaration Sign this application form and return to Sunsuper:

Full name (print in BLOCK letters)*

Date (DD/MM/YYYY)*

Member to sign here*

The information I have given in this application and any separate statements I have given with it are true. I have disclosed everything about me andmy health that Sunsuper and its insurerneed to know when deciding whether to accept my application for transfer of cover. I will notify Sunsuper of any changes to my health before my cover transfer application has been assessed.

I have read and understood my Duty of Disclosure and accept the above acknowledgements.

Please return the form and supporting documentation to Sunsuper Reply Paid 2924 Brisbane Qld 4001 or [email protected]

I authorise my previous fund or the insurer of my previous policy to provide Sunsuper and/or its insurer with any information about my current insurance cover. For this authority, a photocopy of this Declaration is as valid as the original.

I acknowledge that:

i. if I do not fully complete, sign and date this application, or do not attach any additional information requested, I will not be eligible to transfer my existing cover to Sunsuper,

ii. if the insurer accepts my application, the existing amount of insurance cover as at the effective transfer date under my previous fund or previous policy will be replaced by an equivalent allocation (or such lower amount as I have specifi ed) of additional voluntary insurance cover (up to a maximum amount of $1,000,000 for Death and TPD and a maximum of $10,000 monthly benefi t) under my Sunsuper account. This cover will be in addition to any existing insurance cover I may hold through Sunsuper. Maximum cover limits will apply,

iii. my replacement cover will not commence in Sunsuper until the later of:

a. the date the insurer accepts my application, and

b. the date of cancellation of my existing insurance cover under the previous fund or previous policy,

iv. Sunsuper and its insurer may undertake appropriate enquiry and investigation to verify the answers I have provided (including contacting my previous fund or life insurance company to obtain additional details of my current insurance cover),

v. Sunsuper and its insurer may investigate whether any premium loadings, restrictions and exclusions may have applied in the previous fund/previous policy,

vi. I agree to provide Sunsuper and its insurer with access to any health and/or fi nancial evidence I have provided to the previous fund and their insurer or retail insurer in an application for the cover. Any non-disclosure to the previous fund or its insurer may be acted upon by Sunsuper and/or its insurer,

vii. Should it become apparent to Sunsuper or its insurer that I have not undertaken the requirements that I have agreed to in Section 6A above, then any insurance benefi t that may be payable to me, my dependants or my estate from Sunsuper may be reduced by the insurance amount paid or payable from my previous fund, another division of the previous fund, another fund, my previous policy or any policy issued under any continuation option that I exercised, as a consequence of my failure to abide by these requirements. This reduction in benefi t will, however, be limited to the extent that my benefi t from Sunsuper is no less than I would have been eligible to receive under the terms of the policy between Sunsuper and its insurer had I not made this application for transfer of cover,

viii. I hereby declare that the information contained in this Transfer of insurance cover form application (whether written by hand or not) is true and correct and that no information material to this application for transfer has been withheld,

ix. If the insurer accepts my application, the terms and conditions as outlined in Sunsuper’s insurance policy document will apply, and the terms and conditions of my former policy/fund and/or former insurer will not apply,

x. I have read the duty of disclosure notice and understand its contents and what is meant by my duty to disclose. I also understand that my duty to disclose continues after I have completed this application for transfer until the insurer has accepted the risk.










Please ensure all applicable questions are fully answered.

Privacy

By completing this form you consent to the collection, use and disclosure of any personal information, including information that may be of a sensitive nature we or AIA Australia may collect about you and exchange with third parties located in Australia and overseas, in the manner outlined in our and AIA Australia’s respective privacy policies as updated from time to time. Policies are available by visiting sunsuper.com.au/privacy and aia.com.au. These policies are consistent with the requirements of the Privacy Act 1988.

Sunsuper Pty Ltd ABN 88 010 720 840 AFSL No. 228975 Trustee of the Sunsuper Superannuation Fund ABN 98 503 137 921 MySuper Authorisation 98 503 137 921 996

8

I have attached (or previously provided) a signed third party authority for my fi nancial adviser to access information about my Sunsuper account(s). Please communicate with my fi nancial adviser where possible regarding requirements of this form.

Financial adviser7

Adviser name/Company:

FOLD

Page 2 of 4

I understand that any transferred Death and TPD cover will be subject to the terms and conditions of the Sunsuper insurance policy (including definition of Total and PermanentDisablement), and subject to a maximum dollar value of $1,000,000 for Death cover and $1,000,000 for TPD cover. Transferred cover is in addition to any existing cover.


6A

6B

$

$ $ YES NO

Income Protection (IP) cover

Personal statement/Confirmation of requirements

Death and/or TPD cover

I confirm that the existing level of cover under my previous fund or policy is as follows:

If you want to replace your transferring cover with a lower amount of cover or prefer fixed premiums^ to apply to your transferring cover, please specify below:

Death cover

Death cover

TPD cover

TPD cover

$ $Your transferring cover will be fixed cover (your cover stays the same and your premiums will generally increase on each birthday).

Fixedpremium^

^ Your premium remains the sameand your cover will generallyreduce on each birthday.

Note: Transferred cover is provided as Tailored cover. When Tailored Death and TPD cover is approved, any existing Death and TPD cover/ premium you have may change based on your occupational classification.

Your application for transfer of cover will be assessed by our insurer and we will notify youof the outcome. Our insurer may need to contact your previous fund or the insurer of yourprevious policy in completing its assessment of your application.

If your application to transfer existing Death and Total and Permanent Disablement (TPD)cover is accepted, you will be allocated additional Sunsuper Tailored cover (up to a maximumdollar value of $1,000,000 for this transfer) to replace your Death and TPD cover under yourprevious fund or previous policy. This transferred cover will be fixed cover unless you specifyotherwise.Any automatic Death and TPD Assist cover amount you were eligible to receive onjoining Sunsuper (and any existing additional Tailored cover) will continue as Tailored cover.

Premiums may vary. If your application to transfer existing underwritten Income Protection

(IP) insurance is accepted, you will be allocated Tailored IP cover (up to a maximum of$10,000 monthly benefit and 85% of your salary).Any existing IP cover may continue, subjectto maximum limits.We will advise you of the Waiting Period available to you (30, 60, 90 or180 days), upon acceptance of your application.

If you have applied for additional cover through Sunsuper and been declined or been eligiblefor a TPD Assist claim, this Transfer of insurance cover application will not be accepted.

The cost of approved transferred cover will be based on the applicable premium rates and willreflect your occupational category and any premium loadings or exclusions that may haveapplied to your previous cover.

BenefitPeriod

WaitingPeriod

monthly benefit days

I understand that any transferred IP cover will be subject to the terms and conditions of the Sunsuper insurance policy (including definition of Totally Disabled). A $10,000maximum monthly benefit limit applies (subject to 85% of your salary). Where the Waiting Period offered under my previous fund / policy is different to the available Waiting Periodsunder the Sunsuper Insurance policy, my Waiting Period will be rounded up to the next longest Waiting Period. Where the Benefit Period offered is different to the available BenefitPeriod under the Sunsuper insurance policy, my Benefit Period will be limited to the next shortest Benefit Period available.

IP cover

You should not cancel your existing cover until you have received confirmation that your transfer request has beenaccepted by Sunsuper.

Note: Transferred cover is provided as Tailored cover. When Tailored IP cover is approved, any existing IP cover/premium you have may change based on your occupational classification.

I do NOT want to have my IP cover indexed on 1 July each year

For transfer of cover from an existing superannuation fund or an individual retail insurance policy:

Important

Please confirm (by ticking the box below) that the statements are true and correct and you agree to abide by the requirements set out inthese statements:

Please answer yes or no to the following questions:

i. The existing insurance cover under my previous fund or retail insurance policy will becancelled, upon acceptance of this request;

ii. I will not be transferring the cover under my previous fund or retail insurance policyto any other division of that previous fund or insurer or to any other fund (other thanSunsuper) or insurer;

iii. I will not exercise a continuation option or subsequently reinstate cover within the previous fund or any associated fund or previous insurance policy;

iv. I will provide supporting evidence of my current insurance cover (a letter or certificateof currency from your previous Super fund or Life Insurance provider). Please note,your supporting evidence for IP cover must include the Waiting Period and BenefitPeriod of your current cover.

1. Due to illness or injury are you absent from work or restricted from carrying out all your usual duties on a full time basis for at least30 hours per week (even if you are currently working on a part-time basis)?

2. Have you ever been paid/ lodged or are eligible to lodge any TPD, Terminal Illness or IP claims or received a benefit as a result of Permanent Incapacity or a Terminal Medical Condition from any superannuation fund or life insurance policy?

3. Have you been diagnosed with an illness that reduces your life expectancy to less than 24 months from today?

4. Within the past 12 months have you seen or have you been advised to see within the next 12 months a medical specialist?Your GP is not considered a medical specialist.

5. Have you ever had any special conditions or restrictions (loadings or exclusions) placed on any Death, TPD or IP insurance?If yes, please provide all details you have received from the insurer or fund with this application

If you answered “Yes” to question 4 or 5 above please provide full details in the Notes/ Additional information on page 4 of this form.If you answered Yes to Questions 1, 2 or 3 you are not eligible to transfer your existing cover to Sunsuper. If you wish to increase your current cover,please go to sunsuper.com.au/insuranceforms and complete the Tailored insurance application.

YES NO

YES NO

YES NO

YES NO

YES NO

5

6

4

Page 3 of 4

Authorisation and declaration Sign this application form and return to Sunsuper:

Full name (print in BLOCK letters)*

Date (DD/MM/YYYY)*

Member to sign here*

The information I have given in this application and any separate statements I have given with it are true. I have disclosed everything about me andmy health that Sunsuper and its insurerneed to know when deciding whether to accept my application for transfer of cover. I will notify Sunsuper of any changes to my health before my cover transfer application has been assessed.

I have read and understood my Duty of Disclosure and accept the above acknowledgements.

Please return the form and supporting documentation to Sunsuper Reply Paid 2924 Brisbane Qld 4001 or [email protected]

I authorise my previous fund or the insurer of my previous policy to provide Sunsuper and/or its insurer with any information about my current insurance cover. For this authority, a photocopy of this Declaration is as valid as the original.

I acknowledge that:

i. if I do not fully complete, sign and date this application, or do not attach any additional information requested, I will not be eligible to transfer my existing cover to Sunsuper,

ii. if the insurer accepts my application, the existing amount of insurance cover as at the effective transfer date under my previous fund or previous policy will be replaced by an equivalent allocation (or such lower amount as I have specifi ed) of additional voluntary insurance cover (up to a maximum amount of $1,000,000 for Death and TPD and a maximum of $10,000 monthly benefi t) under my Sunsuper account. This cover will be in addition to any existing insurance cover I may hold through Sunsuper. Maximum cover limits will apply,

iii. my replacement cover will not commence in Sunsuper until the later of:

a. the date the insurer accepts my application, and

b. the date of cancellation of my existing insurance cover under the previous fund or previous policy,

iv. Sunsuper and its insurer may undertake appropriate enquiry and investigation to verify the answers I have provided (including contacting my previous fund or life insurance company to obtain additional details of my current insurance cover),

v. Sunsuper and its insurer may investigate whether any premium loadings, restrictions and exclusions may have applied in the previous fund/previous policy,

vi. I agree to provide Sunsuper and its insurer with access to any health and/or fi nancial evidence I have provided to the previous fund and their insurer or retail insurer in an application for the cover. Any non-disclosure to the previous fund or its insurer may be acted upon by Sunsuper and/or its insurer,

vii. Should it become apparent to Sunsuper or its insurer that I have not undertaken the requirements that I have agreed to in Section 6A above, then any insurance benefi t that may be payable to me, my dependants or my estate from Sunsuper may be reduced by the insurance amount paid or payable from my previous fund, another division of the previous fund, another fund, my previous policy or any policy issued under any continuation option that I exercised, as a consequence of my failure to abide by these requirements. This reduction in benefi t will, however, be limited to the extent that my benefi t from Sunsuper is no less than I would have been eligible to receive under the terms of the policy between Sunsuper and its insurer had I not made this application for transfer of cover,

viii. I hereby declare that the information contained in this Transfer of insurance cover form application (whether written by hand or not) is true and correct and that no information material to this application for transfer has been withheld,

ix. If the insurer accepts my application, the terms and conditions as outlined in Sunsuper’s insurance policy document will apply, and the terms and conditions of my former policy/fund and/or former insurer will not apply,

x. I have read the duty of disclosure notice and understand its contents and what is meant by my duty to disclose. I also understand that my duty to disclose continues after I have completed this application for transfer until the insurer has accepted the risk.










Please ensure all applicable questions are fully answered.

Privacy

By completing this form you consent to the collection, use and disclosure of any personal information, including information that may be of a sensitive nature we or AIA Australia may collect about you and exchange with third parties located in Australia and overseas, in the manner outlined in our and AIA Australia’s respective privacy policies as updated from time to time. Policies are available by visiting sunsuper.com.au/privacy and aia.com.au. These policies are consistent with the requirements of the Privacy Act 1988.

Sunsuper Pty Ltd ABN 88 010 720 840 AFSL No. 228975 Trustee of the Sunsuper Superannuation Fund ABN 98 503 137 921 MySuper Authorisation 98 503 137 921 996

8

I have attached (or previously provided) a signed third party authority for my fi nancial adviser to access information about my Sunsuper account(s). Please communicate with my fi nancial adviser where possible regarding requirements of this form.

Financial adviser7

Adviser name/Company:

of 4

Notes/Additional information

If you require additional space to answer 6B or any of the questions on this form please use the space provided below.

Sunsuper Pty Ltd ABN 88 010 720 840 AFSL No. 228975

Sunsuper Superannuation FundABN 98 503 137 921Unique Super Identifier (USI) 98 503 137 921 001

MySuper Authorisation 98 503 137 921 996

Sunsuper is a member of The Association of Superannuation Funds of Australia Limited (ASFA).

13 11 84 (+61 7 3121 0700 when overseas)

GPO Box 2924 Brisbane QLD 4001

sunsuper.com.au

twitter.com/sunsuper

facebook.com/sunsuper

linkedin.com/company/sunsuper

OUTSTANDING VALUE

NOITAUNNAREPUS

OUTSTANDING VALUE

SNOISNEP DESAB TNUOC

CA

Best Corporate Solution Super Fund of the Year 2017

Important information:

Canstar, Chant West, SuperRatings, Super Review and The Heron Partnership have given their consent and have not withdrawn it in relation to the inclusion of references to their ratings throughout the PDS and guides. They do not make, or purport to make, any statement in the PDS and guides other than these references.

For further information about the ratings methodology used and awards, refer to sunsuper.com.au/ratingsagencies

2008 (09/17)

The Sunsuper for life Insurance guide is prepared and issued by Sunsuper Pty Ltd, the issuer and Trustee of the Sunsuper Superannuation Fund (referred to as ‘the Fund’ or ‘Sunsuper’):

Sunsuper for life Insurance guide · p1 Important information This is the Sunsuper for...

Documents

Transcript of Sunsuper for life Insurance guide · p1 Important information This is the Sunsuper for...