April 2020 Insurance Guide - Christian Super · Income Protection 11 Insurance Choice Form Super...

The information in this document forms part of the Product Disclosure Statement issued April 2020

April 2020

Insurance Guide

2 Insurance Guide 2020

"We consider insurance to be a vital part of living life with financial health and understanding. It provides financial peace of mind so you can focus on other things in life!"

3Insurance Guide 2020

Insurance we've got you covered 4

Death & Disablement 6

Income Protection 11

Insurance Choice Form Super Member 15

Personal Health Statement 17

Transfer of Insurance 23

Other Important Information 26

Essential Details 28

Legislation Changes 29

Definitions 30

Contents


At Christian Super we consider insurance to be a vital part of living life with financial health and understanding. It provides financial peace of mind so you can focus on other things in life! Christian Super provides insurance cover in case of death, total and permanent disablement, or if you are unable to work for a long period due to illness or injury. It is designed to provide protection for you and your family against financial hardship should any of these circumstances occur.

Insurances available• Death (includes terminal illness)• Total and Permanent Disablement (TPD)• Income Protection (IP)

Christian Super provides:

• Premiums at wholesale rates, generally less than what you would pay as an individual

• Easy premium payments deducted from your Christian Super account on a monthly basis

• Options to change your insurance cover any time to suit your changing needs (Note to increase cover a formal application will need to be completed.)

• Fixed cover (On Application)• Flexible cover for young members

Insurance can be applied for at any time and in certain circumstances is provided automatically.

What is Automatic Default Cover?Automatic Default insurance cover is designed to automatically provide members with a basic level of financial protection in the event of death, TPD or loss of income due to prolonged illness or injury. The cover includes:

• Death Cover: A lump sum in the event of death or terminal illness and is provided automatically once a member receive an eligible employer contribution.

• Total and Permanent Disablement (TPD) Cover: A lump sum should you become sick or injured and are not expected to ever work again

• Income Protection (IP) Cover: A regular income should you be unable to work for a prolonged period of time due to injury or sickness.

Members who are self-employed when joining Christian Super are unfortunately, ineligible for automatic default cover.

Unitised Insurance CoverChristian Super’s default insurance cover is unitised, meaning that each unit of insurance cover equals a dollar amount, which changes

as you age. When applying for insurance cover through Christian Super you will need to select the number of units you wish to be covered for. Christian Super also offers a Fixed Cover on an ‘opt-in only’ basis.

Our approach to Death and TPD Insurance takes into account our standard member's changing needs due to life stage. Death insurance lump sums are lower when you are younger, then increase in your mid 20’s to 30’s before decreasing again as you get older. In general, people under 25 years old carry less debt and have fewer or no dependants, so usually need less insurance cover. In contrast, TPD insurance starts much higher and slowly decreases over time.

Insurance cover on joining Christian SuperMembers who join Christian Super and receive mandatory employer contributions will be provided with our Automatic Default cover once they are 25 years of age AND their account balance has reached $6,000. If your balance decreases below $6,000 after you have reached this threshold, we will not reduce your cover.

Please see table on page 6 for Insurance on TPD and Death cover. Please see table on page 14 for Income Protection.

The Automatic Default cover that you receive may not cover preexisting health conditions if you did not join when First Eligible or if you were not at work at the time cover commenced.

If you are not receiving mandatory employer contributions (e.g. if you are self employed or not currently employed), you can apply for insurance cover by completing an Insurance Change Form and Personal Health Statement. Alternatively, if you wish to transfer insurance policies held elsewhere to Christian Super, you can complete a Transfer of Insurance form. These forms can both be found on our website or you can apply online via MemberAccess.

CommencementIf you are provided automatic default cover, you will be covered from the start of the period for which your first on-time mandatory employer contribution is received or when a successful application is approved.

Cover for an eligible person commences if:

• You join Christian Super within 180 days of commencing work with a Christian Super registered employer, or when your employer became a registered employer of Christian Super; and

• An on-time mandatory employer contribution is received within 180 days of you or your employer joining the Fund. ; and

• You are at work on the date that IP cover commences. If this • item is not satisfied, you will receive default IP cover on a

“Limited Cover”1 basis only. This will revert to full IP cover once you are back at work again.

Insurance is a topic few of us enjoy discussing, however organising your insurance can give you peace of mind should something unfortunate occur.

Insurancewe've got you covered!


If your application for Income Protection cover is outside the 180 day period above, you will be eligible for default IP cover but will not be covered for preexisting health conditions. If you are at work 24 months after this commencement this cover will revert to full IP cover from that date. If you have not returned to work at this date, you will retain the “Limited Cover” until you have returned to work.

Life Events CoverSome stages in life require higher levels of insurance. Christian Super has established a number of life events where increased coverage is available, without a health check, where appropriate evidence is provided initially this additional cover will not cover preexisting health conditions. However, after 24 months the cover will revert to full coverage. After this time the cover will revert to full coverage.

Eligible life events include:• Marriage or divorce• Birth or adoption of first child• First mortgage over $100,000• First child commences private schooling• Death of the member’s spouse

Occupational Codes - What type of work do you do?The type of work you do will determine your Occupational Group. This will affect your premiums and your level of cover. Generally, the riskier your occupation the more you pay for insurance.

It is highly important that you check that you’re in the correct occupation group. Not doing so may affect any potential claim being issued or result in paying higher premiums required for your level of insurance.

The four occupational groups below are based on the risk of injury involved in each occupation.

Group 1 Professional White Collar

Executives and senior professional workers who typically possess tertiary qualifications and hold a degree of authority for executive change.

E.g. lawyers, doctors, solicitors, accountants, headmasters, school business managers.

Group 2 White Collar

Tertiary qualified community professionals, clerical or relevantly certified workers.

E.g. teachers, clergy, social workers, office workers, personal assistants.

Group 3 Light Blue Collar

Skilled or trade based workers and supervisors in non-hazardous industries.

E.g. shop assistants, waiters, nurses, bus drivers.

Group 4 Heavy Blue Collar

Skilled or semi-skilled manual workers who are not exposed to high-risk accidents or health hazards.

E.g. cleaners, gardeners, mechanics

Insurance is not available to unskilled workers and high-risk occupations (e.g. miners or pilots). If you work in one of these categories, please contact our Member Care Team to discuss your options.

If we were not advised of your Occupational Group, you will be allocated into Occupational Group 4. You can check and update this in the insurance tab of your online account which can be accessed by using our web based Member Access or the Christian Super mobile app.

"Some stages in life require higher levels of insurance".


Choosing cover thats right for youWhile many members receive automatic default cover which provides a basic level of cover, in most cases this cover will not be the right level for your unique needs. With Christian Super's Death and

TPD insurance you can request to change your cover at any time (increases will be subject to a health check).

Important note: Your Death cover is directly linked to your TPD insurance cover within Christian Super. Your Death cover will be reduced by any TPD benefit paid or benefit paid through a Terminal Illness claim. Terminal Illness BenefitIf you are diagnosed with a terminal illness and you have been given a life expectancy of less than 24 months, you may be eligible for a Terminal Illness benefit. Terminal Illness benefit payments are subject to the full terms of the policy, including:

• The date of diagnosis of the Terminal Illness is on or after the date that your cover commenced.

• Maximum Terminal Illness benefit is $3,000,000. You will be paid the lesser of either your Agreed Benefit or $3,000,000. Any residual benefits will be paid at death.

• You will need to supply supporting medical evidence from your treating specialist.

Terminal Illness benefit is not a stand-alone benefit, it is an early payment of your Death benefit and also cancels your TPD amount insured.

1. Conditions apply – depending on your eligibility and the Insurer agreeing to provide you with this cover.

2. Any insurance increase request is subject to approval by the Insurer and will be confirmed to you in writing.

What Death and TPD insurance does Christian Super offer?The following table provides an overview of the Death and TPD insurance covers offered.

Cover Benefit Payment Maximum Cover Cover expiry age

Death Lump sum benefit: the insured amount plus your Christian Super account balance

$20,000,000 Age 70

Terminal Illness (included in Death cover)

Terminal illness benefit enabling earlier payment of death benefit

$3,000,000

Any death cover in excess of this will be payable on death, provided you remain a Christian Super Member and cover is still in force.

Age 70

Total and Permanent Disablement

Lump sum benefit: your insured amount (in addition to your Christian Super account balance)

$3,000,000 Age 70

Automatic Default CoverEligible new members will receive Death & TPD insurance in accordance with the following table, based on your age and your account balance when you become a member.

Under 25 years 25 years and over

Account Balance Under $6,000 No cover No cover

Account Balance Over $6,000 No cover 3 units

Your level of Death & TPD cover will automatically change in accordance with the table once you reach 25 years of age and/or have an account balance over $6,000. If you joined the fund before 1 April 2020, you may have received a different level of automatic Death & TPD Insurance.

Most members automatically receive a basic level of age based Death and Total & Permanent Disablement (TPD) cover based on their age. This means no health information is required. This automatic cover is designed to provide you with a basic level of financial protection for death and permanent disablement. Here are some things you should know:

• Your default cover is based on your age and the amount of cover will change as you get older. See cost and cover tables on pages 7.

• Provided you're are receiving mandatory employer contributions, members younger than 25 and/or with account balances below

Death cover provides financial support for your dependants if you pass away. Death and TPD cover through Christian Super is available from age 16 through to 70.

Death and disablement

"Most members automatically receive a basic level of Insurance cover"

$6,000 can request to receive the Automatic Default Death and TPD insurance (without the need for a health check).

• If you don’t receive Death and TPD insurance automatically when you join you can still apply for cover by logging into your MemberAccess at christiansuper.com.au or completing the Insurance Change Form provided.

Total & Permanent Disablement Total and Permanent Disablement insurance (TPD) provides a lump sum if you suffer an illness or injury that leaves you totally and permanently disabled. TPD insurance benefits are often used to eliminate debts, pay for medical expenses or fund any permanent lifestyle changes resulting from disablement.

An insured member is deemed to be Totally and Permanently Disabled when the Insurer is satisfied on medical or other grounds that the individual is:

Part 1 – Unable to return to work

1. Unable to do any work as a result of injury or illness for three consecutive months; and

2. At the end of that three months the insured member continues to be so disabled as a result of their ill health (whether physical or mental), that they are unable to resume their previous occupation at any time in the future and will be unable, at any time in the future, to engage in gainful employment for which they are reasonably suited by education, training or experience.

Part 2- Permanent impairment

The insured member is gainfully employed when suffering an illness or injury and as a result of that illness or injury:

Suffers a permanent impairment of at least 25% of the whole person function; and Is disabled to such an extent, that as a result of impairment the insured member is unable to ever again be able to engage in any occupation, business, profession or employment for which the insured member is reasonably fitted by education, training or experience.

Part 3 – Lost the use of

The insured member suffers the total, permanent and irrecoverable loss of:• The use of two limbs; or• The sight of both eyes; or• The use of one limb and the sight of one eye.

Part 4 – Cognitive Loss

The insured member, as a result of illness or injury suffers cognitive loss.In certain circumstances the Insurer will waive the usual three month TPD waiting period.

Part 5 – Activities of Daily Living

The insured member has become so disabled by illness or injury that they are:Totally and irreversibly disabled that it prevents them from performing two of the activities of daily living without assistance from another adult person for at least three consecutive months; andSince the insured member has become ill or injured, that they have been under the regular care and attention of a Doctor for that illness or injury; andIn the opinion of the Insurer, the illness or injury means that the insured member is unable to ever again be able to perform at least two of the activities of daily living without assistance from another adult person.

Lump Sum Payments The lump sum Death benefit will be paid (in addition to your Christian Super account balance) to your dependants on your death.

You can make a non-binding nomination of your preferred beneficiaries on your Membership Form, and may change this nomination at the time. In this situation, the Trustee will still be required to assess amounts your dependants should receive. Alternatively, you can make a Binding Nomination where you direct the Trustee to pay your benefit to one or more dependants specified by you. The Binding Death Benefit Nomination Form can be found at our website: www.christiansuper.com.au/join-the-family/forms


The lump sum Total and Permanent Disablement benefit is available to be paid (in addition to your Christian Super account balance) to you if you become Totally and Permanently Disabled in accordance to the Insurance Policy. In certain circumstance this payment may have tax withheld when withdrawn.

Levels of Cover

Age Benefit per Unit

Death Cover TPD Cover

16- 22 27,900 251,100

23 41,850 237,150

24 55,800 223,200

25 69,750 209,250

26 83,700 195,300

27 97,650 181,350

28 111,600 167,400

29 125,550 153,450

30 139,500 139,500

31 139,500 139,500

32 137,500 137,500

33 130,500 130,500

34 123,000 123,000

35 115,500 115,500

36 106,500 106,500

37 96,000 96,000

38 86,000 86,000

39 79,000 79,000

40 74,000 74,000

41 69,000 69,000

42 64,000 64,000

43 61,000 61,000

44 58,000 58,000

45 55,000 55,000

46 52,000 52,000

47 49,000 49,000

48 46,000 46,000

49 43,000 43,000

50 40,000 40,000

51 37,500 37,500

52 35,000 35,000

53 32,000 32,000

54 28,500 28,500

55 25,500 25,500

56 22,500 22,500

57 19,500 19,500

58 16,500 16,500

59 13,500 13,500

60 11,000 11,000

61 10,000 10,000

62 9,500 9,500

63 9,000 9,000

64 8,500 8,500

65 7,500 7,500

66 6,500 6,500

67 6,000 6,000

68 5,500 5,500

69 5,000 5,000

Cost of Death and TPD insurance The below table outlines the weekly cost per unit of cover, based on the type of cover (Death & TPD or Death only) and your regular occupation.

Occupational Group Death & TPD Death Only Cover

Group 1 $1.07 $0.51

Group 2 $1.48 $0.70

Group 3 $2.80 $1.33

Group 4 $3.97 $1.88

All Death and TPD premiums are deducted directly from your Christian Super account on a monthly basis and is calculated based on the number of Fridays in the month.

Reducing or cancelling cover You can reduce or cancel all, of your cover at any time. However, if you decide to increase or reapply for cover in the future, you will need to supply health information as part of your application, and your application will be assessed by the Insurer.

To change your cover, use the Insurance Change Form in this Insurance Guide. Alternatively, you can contact the Member Contact Centre to reduce or cancel your cover at any time.

We recommend that you consult your financial planner and health professional before making changes to your insurance cover.

When cover ceases Under the terms of the policy your Death and TPD insurance cover can cease for a variety of reasons. The most common reasons include when:

• your superannuation benefit in Christian Super is transferred or paid out;

• your account balance reduces to nil; • your account has been inactive (see definitions) for 16 months; • or you reach age 70.

For a full list of reasons your cover may cease refer to the insurance policy document, available upon request.

Fixed Value CoverUnder the default insurance cover with Christian Super for Death & TPD, your premiums remain constant while your cover decreases with age. Recognising that individuals may prefer to keep a consistent level of cover with the Fund, Christian Super now offers a Fixed Cover option. This allows Members to set a level of cover that will generally not change as the Member ages (subject to TPD tapering explained below). Instead, the premiums applied to the Member's account wll increase with age. Christian Super’s Fixed Cover insurance is only available through an application process (i.e. you won’t be automatically placed in this product). This product is available under the following conditions:

• Applications must be made using the appropriate forms or online systems.

• Cover must be entirely unitised or entirely fixed. Therefore, any successful application for the Fixed Cover will result in unitised cover ceasing (or vis versa).

• The member may adjust (including cancel) their fixed cover at any point in time, however any increases in cover will be subject to the completion of a health check.

• A taper would be applied to fixed cover TPD benefits when a member reaches their 61st birthday, with TPD benefit reducing by 10% each year until the cover ceasing age (70).

• The member is over 30 years of age and younger than 60.


How to calculate your Fixed Value Cover Premiums• The weekly Fixed Cover premium is calculated by dividing the

desired insured sum by $1,000, multiplying against the age based premium rates (see adjacent table) and dividing by 52.

• The weekly cost of this calculated cover is multiplied by the occupation premium factor (see table below) to determine an insured person’s weekly premium per unit of cover. The same factors apply to each Option.

The Premium factor for each Occupation Classification is:

• The costs of Death and TPD cover is calculated separately. The total cost of fixed cover will be the combined cost of both the Death & TPD cover.

• Any exclusions, premium loading, limitation, special terms, conditions or restrictions, including Limited Cover, will continue to apply.

• If you require any assistance in calculating your premiums, contact the Member Care Centre.

Switching between Unitised Cover and Fixed Value CoverA member can choose to convert their Unitised Cover (or vis versa) without a health check. The process is subject to:

• The conversion occurring prior to the members 60th birthday.• Only one conversion is allowed every 5 years (additional

conversion will be subject to a health check).• Cover would be the same value as their Unitised Cover and

remains fixed at the same level (subject to TPD tapering - see right).

Changes between fixed and unitised cover can be completed via MemberAccess or the “Insurance Choice” Form.

Contact our Member Care Team to find out more about calculating fixed cover.

Premium Rates

Age Death Cover TPD Cover

16 0.51 0.1917 0.51 0.1918 0.51 0.1919 0.51 0.1920 0.51 0.1921 0.48 0.1922 0.45 0.1923 0.41 0.2024 0.40 0.2125 0.38 0.2226 0.37 0.2327 0.37 0.2528 0.35 0.2729 0.34 0.3030 0.32 0.3331 0.30 0.3332 0.30 0.3433 0.32 0.3534 0.34 0.3735 0.35 0.3936 0.38 0.4337 0.42 0.4738 0.48 0.5239 0.51 0.5740 0.55 0.6041 0.58 0.6642 0.63 0.7043 0.67 0.7344 0.70 0.7845 0.73 0.8246 0.79 0.8647 0.83 0.9148 0.87 0.9749 0.94 1.0450 1.01 1.1351 1.07 1.1952 1.15 1.2853 1.26 1.4054 1.42 1.5755 1.58 1.7556 1.78 1.9857 2.07 2.2858 2.43 2.7059 2.97 3.0860 3.49 3.7861 3.84 4.2662 4.23 4.6963 4.75 5.1864 5.28 5.7265 5.98 6.4966 6.74 7.4767 7.30 8.1068 7.96 8.8469 8.75 9.72

Weekly premium____________ Units X

$ __________ pw

= $ _________ pw


Feel confident knowing you've insured your income if you become disabled or ill and are temporarily unable to work.


Automatic Default cover on joining Income Protection cover provides a regular monthly income of up to 75% of your gross salary and regular mandatory super contributions in the event of illness or injury and prolonged time off work.

Eligible new members will also receive Income Protection insurance in accordance with the following table, based on your age and your account balance when you become a member.

Like Death & TPD, members who join Christian Super and receive a mandatory employer contribution will be automatically provided with a default level of Income Protection insurance once they are 25 years of age AND their account balance has reached $6,000.

Under 25 years 25 years and over

Account Balance Under $6,000 No cover No cover

Account Balance Over $6,000 No cover At least 6 units

Group 1 18 Units ($1800 per week)Group 2 12 Units ($1200 per week)Group 3 9 Units ($900 per week)Group 4 6 Units ($600 per week)The level of automatic default cover is based on your Occupational Group when you became a Christian Super member (refer to page 3).

If you are automatically provided with default insurance, cover will be provided in units. You will keep the number of units advised when you first joined Christian Super unless you successfully apply to change your cover. To change or cancel your cover, complete the Insurance Change Form in this Insurance Guide.

If you are not provided default cover automatically, you can apply for Income Protection cover by completing the Insurance Change Form, that can be found on our website or via MemberAccess.

All Income Protection premiums are deducted directly from your Christian Super account on a monthly basis.

Income ProtectionIn addition to default cover, you may apply for Income Protection cover (IP) and choose your level of cover. Income Protection insurance is available from age 16 to 70.

While Income Protection cover is available up to age 70, members aged 67 or over are not eligible to obtain new cover.

Default level of Income Protection

1. “Limited Cover” means cover for an illness diagnosed or an injury that occurs on or after the date cover commences or recommences.

Income ProtectionIncome Protection cover provides an income in times of prolonged absence from work due to illness or injury.

Premium ($)

Age Male Female

16-21 $0.05 $0.05

22 $0.05 $0.06

23 $0.05 $0.06

24 $0.05 $0.06

25 $0.05 $0.06

26 $0.05 $0.06

27 $0.05 $0.06

28 $0.06 $0.08

29 $0.06 $0.09

30 $0.06 $0.09

31 $0.06 $0.09

32 $0.08 $0.10

33 $0.09 $0.10

34 $0.09 $0.11

35 $0.09 $0.12

36 $0.10 $0.12

37 $0.10 $0.13

38 $0.11 $0.13

39 $0.12 $0.14

40 $0.12 $0.16

41 $0.13 $0.17

42 $0.14 $0.18

43 $0.15 $0.19

44 $0.16 $0.20

45 $0.17 $0.22

46 $0.18 $0.24

47 $0.19 $0.25

48 $0.22 $0.27

49 $0.24 $0.27

50 $0.27 $0.31

51 $0.29 $0.33

52 $0.31 $0.35

53 $0.34 $0.38

54 $0.37 $0.40

55 $0.40 $0.43

56 $0.43 $0.46

57 $0.48 $0.49

58 $0.53 $0.53


59 $0.57 $0.57

60 $0.67 $0.63

61 $0.73 $0.67

62 $0.81 $0.73

63 $0.89 $0.81

64 $0.99 $0.89

65 $1.10 $0.99

66 $1.20 $1.10

67 $1.25 $1.12

68 $0.80 $0.72

69 $0.26 $0.24

Each Unit of cover provides a weekly benefit of $100. Premiums above are rounded to the nearest cent.

The weekly premium is multiplied by the factor for the applicable Occupational Group (see page 3), as follows:

Occupational Group Factor

Group 1 0.91

Group 2 1.00

Group 3 2.02

Group 4 2.94

Waiting and Maximum Benefit PeriodYou are eligible to receive an Income Protection benefit if you are disabled continuously for more than the Waiting Period. Christian Super's default waiting period is 60 days. However you can choose between 30, 60, 90 (subject to application and approval). while by default you will continue to receive Income Protection insurance payments while off of work for up to 2 years, you can also choose to increase this maximum benefit period to 5 years or to continue until you reach age 65. N.B. Changing the waiting period or benefit period will effect the cost of the insurance cover as outlined below.

When cover ceasesUnder the terms of the policy your Income Protection insurance cover can cease for a variety of reasons. The most common reasons include when:

• You advise the fund that you have cease to work at least 15 hours per week;

• Your superannuation benefit in Christian Super is transferred or paid out;

• Your account balance reduces to nil; or• You reach age 70• your account has been inactive (see definitions) for 16 months.For a full list of reason your cover may cease refer to the insurance policy document, available upon request.

Gross SalarySalary is defined in the insurance policy as your annual remuneration from your usual occupation before deduction of income tax as well as any regular mandatory superannuation contributions received by your superannuation fund. It does not include:

Director’s fees; Commissions; Overtime payments; Bonuses; Penalty or shift allowances; Investment income; Income received from deferred compensation plans; Disability income policies; Income from retirement plans; Income from vocational activities; and other monetary benefits (e.g. performance related commission bonuses). Please note that this is not an exhaustive list.

A member's Income Protection benefit includes an income component (up to 75% of salary) and a superannuation contribution. If you are self-employed, salary equals the total amount earned by the business over the financial year as a direct result of your personal exertion or activities through your usual occupation, less your share of business expenses, but before the deduction of income tax, for that busines

ConsiderationsIncome Protection payments are reduced by any amounts you receive (e.g. from Workers’ Compensation or social security, but not accumulated sick leave).

Payment of the Income Protection benefit commences after you have been off work for the required waiting period, and the Benefit period continues to be paid until either you are able to return to work or you reach your maximum benefit period. Some restrictions apply to Income Protection cover:

• You must have been regularly working at least 15 hours per week when you ceased work. You must tell Christian Super if you work less than 15 hours per week, otherwise premium deductions will continue even though you are not insured.

• You cannot claim this cover to top up or complement an existing Income Protection Policy.

• Income Protection cover excludes claims arising from pregnancy, self-inflicted injuries, or acts of war.

• Additional conditions may apply if you reside overseas for a period of more than three months. (see page 18).

Level of coverCover is provided in Units and you may select up to 80 units of cover. Each Unit of cover provides a weekly benefit of $100. You may obtain Income Protection cover up to a maximum of 75% of your gross salary income and superannuation contributions. While we make it easy to automatically receive a default level of Income Protection insurance, it is ultimately your responsibility to ensure the amount you have is appropriate for your needs. If you have more cover than 75% of your income you will be unable

Income Protection Options

Benefit Period Waiting Period Multiplication Factor

2 years 30 days 1.20






To Age 65 30 days 10.65

To Age 65 60 days 8.45

To Age 65 90 days 6.80


Remember that the default level of income protection is based on your occupation group.

to use the 'excess' amount and will be paying for unusable insurance (which is not refundable). Similarly, if you have cover that is less than 75% of your income you may find it hard to cover your personal costs should you be unable to work due to illness or injury.

Calculating the cost of cover?Calculating the cost of your income Protection may seem complicated especially if you wish to modify your maximum benefit or waiting periods.

In order to calculate the total weekly cost of your Income Protection, you will first need to multiply the amount of units you have (available in MemberAccess) by the weekly cost for each unit as determined by your age (on page 12). This cost is then multiplied by your Occupational Group Factor (also on page 12). Finally, if you have made any modifications to your Benefit or Waiting Period, you will need to multiply this value by the Factor applicable from the right.

Weekly premium

__________ Units X

$ _________ pw X

___________ X

= $ ________ pw

Insurance through your super fund is often the most cost effective way of securing cover.


Insurance Choice Form Super Member

Mr/Mrs/Ms/Rev/Other Surname

Given Names

Date of Birth

■■ ■■ ■■■■Street Number/PO Box Street Name

Suburb/Town State Postcode

Phone [daytime] Mobile

Email

1. Your personal details

Please complete this form in BLOCK letters and black pen

Only complete this form to change your default insurance option.Please note that confi rmation of your insurance switch will be sent to you within 7 days of us actioning your change. Please check this carefully and contact us immediately if it does not refl ect the instructions you provided on this form.

Have you at any time received a Total & Permanent Disablement (TPD) payment or other disability benefi t (including worker’s compensa-tion) or have been denied cover for TPD?

Yes No I wish to cancel my Death & TPD insurance

Unitised coverSelect the cover you require:

Death & Disablement Death Only

Unitised coverI wish to receive a set number of units of cover with the fund. Select

1. 3. 6. 9. 12. 15. 18. other

I wish to cancel my Death & TPD insurance

Fixed coverI wish to receive a set number of units of cover with the fund. Select

I wish to have a fi xed level of cover with the fund.Select the level of cover you require noting that TPD cover cannot exceed Death cover:

Death TPD

2. Your insurance choices


6. Member declaration

I Declare that: (Please tick the box that applies to you)1. The details on this form are true and correct.2. I have received and read Christian Super’s Product Disclosure Statement.3. I acknowledge that I have access to Christian Super’s Privacy Policy and understand that my personal information will be handled to

provide and manage my superannuation.4. I consent to Christian Super using my TFN to access the ATO SuperMatch system

I hereby apply to become a member of Christian Super.

Your Signature Date

2. Occupational group

Select the Group that accurately refl ects your occupation (your benefi t may be affected if your Group is incorrect when you make a claim):

Group 1 (e.g. lawyer, doctor, solicitor, accountant, principal, school business manager)

Group 2 (e.g. teacher, clergy, social worker, offi ce worker, travel consultant, home duties)

Group 3 (e.g. jeweller, computer technician, shop assistant, waiter, nurse, bus driver)

Group 4 (e.g. cleaner, gardener, mechanic, storeman)

Income Protection (IP)Select the cover you require:

Income Protection Not requiredAre you employed for less than 15 hours per week on average?

Yes (you cannot receive IP cover) No

Select the number of IP Units you require for your annual gross salary (equivalent salary in brackets):

3 ($20,800) 6 ($41,600) 9 ($62,400) 12 ($83,200)

4 ($27,700) 7 ($48,500) 10 ($69,300) 18 ($124,800)

5 ($34,700) 8 ($55,500) 11 ($76,300) Other (maximum 80)

I wish to cancel my Income Protection insurance

Benefi t Period Waiting Period

2 years 30 days 60 days 90 days

5 years 30 days 60 days 90 days

To age 65 30 days 60 days 90 days


PERSONAL HEALTH STATEMENT

Only complete this form if you are applying for new or increased insurance cover.

IMPORTANT: Prior to completing this form, you should read about ‘Your duty of disclosure’. Attach any required extra details to this form . Send your form to the Christian Super Member Care Centre. Complete and return form to: Christian Super, Locked Bag 5073, Parramatta NSW 2124.

Your duty of disclosureBefore you enter into a life insurance contract with us, whether on your own behalf or on behalf of another person, you have a duty to tell us anything that you know, or could reasonably be expected to know, may affect our decision to insure and the terms of that insurance.

This duty of disclosure continues after you have completed this statement until the cover has been issued by us. The same duty applies before you extend, vary or reinstate the contract.

You do not need to tell us anything that:• reduces the risk we insure you for; or• is common knowledge; or• we know or should know as an insurer; or• we waive your duty to tell us about.

If the insurance is for the life of another person and that person does not tell us everything he or she should have, this may be treated as a failure by you to disclose.

If you or the person who becomes the life insured under the policy do not tell us somethingIn exercising the following rights, we must consider whether different types of cover can constitute separate contracts of life insurance. If they do, we may apply the following rights separately to each type of cover.

If you or the life insured do not tell us something that you or they are required to tell us, and we would not have insured on the same terms if we had been told, we may avoid the cover within 3 years of issuing it.

If we choose not to avoid the cover, we may, at any time, reduce the amount for which you or the life insured have been insured. This would be worked out using a formula that takes into account the premium that would have been payable if you and the life insured had told us everything you should have. However, for death cover, we may only exercise this right within 3 years of issuing the cover.

If we choose not to avoid the cover or reduce the amount for which you or the life insured have been insured, we may, at any time vary the cover in a way that places us in the same position we would have been in if we had been told everything we should have been told. However, this right does not apply to death cover.

If the failure to tell us is fraudulent, we may refuse to pay a claim and treat the cover as if it never existed.

Privacy Collection NoticeThe Privacy Act 1988 sets out a number of principles that we must comply with in the collection, security, storage, use and disclosure of personal information.

These principles are known as the Australian Privacy Principles.

Collection and useYour personal information is being collected by Hannover Life Re of Australasia Ltd and Christian Super. We collect personal information so that we can assess and process your application for insurance, and assess any claims made by you or on your behalf. If you fail to provide us with all or part of the personal information we require, we may be unable to assess and process your application for insurance or assess and pay any claim.

We may also use information for regulatory and compliance purposes. This may include conducting sanctions screening of policy holders.

DisclosureWe may disclose your personal information to other organisations for the same purposes as we collected it. We may disclose your personal information to medical practitioners, health service providers, legal and any other professional advisers, agents or consultants including accountants, third parties authorised by you, other insurers and reinsurers, our parent company, investigators and loss assessors, external dispute resolution bodies, legal tribunals and courts, the trustee and the administrator of superannuation funds, interpreters, and regulatory bodies, government agencies, law enforcement agencies or, as required, other persons authorised or permitted by law.

Overseas disclosureWe may disclose your personal information to our parent company in Germany for the same purposes as we collected it (see Collection and Use above). We may also disclose your personal information to other overseas recipients (including, for example, our reinsurers who are located overseas) for the same purposes as we collected it. For further information on the locations where your personal information may be disclosed, please refer to our privacy policy, which is available at https://www.hannover-re.com/#/overlay/400611.

AccessYou may request access to the personal information we hold about you. We may be entitled to deny your request for access in some circumstances. If we deny your request, we will tell you why. Your right to access your personal information is set out in our Privacy.

ContactFor more information about our privacy practices, please refer to our Privacy Policy or contact our Privacy Offi cer as outlined in the Privacy Policy.

This page is temporarily unavailable.

To apply for or increase your insurance cover, you can do so online by following these steps:

1. Login to MemberAccess

2. Select Insurance details

3. Click on the link to apply for more insurance.

For more information please contact our Member Care Team.

Email: [email protected] Phone: 1300 360 907

https://member.aas.com.au/Login/CH


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Transfer of Insurance

Only complete this form to change your default insurance option.

Section A

Member details

Member Number

Title Mr/Mrs/Miss/Ms Dr Other

Surname

Given Name

Sex

Date of Birth

Address

Section B

Eligibility & Transfer Details Y N

If you are currently insured for death only cover, death and total and permanent disablement (TPD) cover or income protection with another Australian insurer you may be able to transfer your existing benefi ts into Christian Super without the need for underwriting.

To be eligible you must be able to answer ‘Yes’ to each of the following questions. Please tick the appropriate box:

I am currently insured for the type and amount of cover in my current employer sponsored superannuation fund, or under a retail insurance policy which commenced within the last 5 years, (if yes, please attach details of insurance company, alterations made to policy, date and reason, if known), and

I am less than 65 years of age, and

My occupation is not an Excluded Occupation, as defi ned under the Christian Super policy, and

My existing cover in the other fund or personal retail insurance policy will cease on acceptance by Christian Super, and

I will transfer my entire superannuation fund account balance to Christian Super, and

I will not continue the existing cover under any other insurance arrangement, reinstate cover or effect a continuation option with another fund, and

I have attached a Benefi t Statement or Policy Renewal Statement dated within the previous 12 months as evidence of my current cover and insured benefi t previously held. This includes a copy of the other insurer’s letter advising acceptance of cover and if cover was subject to additional terms, and

My existing benefi ts are not subject to any premium loading, restriction, exclusion or pre-existing condition.

If you answer ‘No’ to any of the above questions, you will not be eligible to transfer your insurance cover and will need to complete a Personal Health Statement to apply for additional cover with Christian Super.

The amount of cover transferred will be added to any cover currently held with Christian Super. The transferred cover must not exceed $1,000,000 for Death only or Death & TPD cover, or $15,000 per month for Income Protection cover. When combined with your existing Christian Super cover the total must not exceed the maximum cover limit.

Please specify the type and amount of cover you wish to transfer to Christian Super:

Death cover $

Total and Permenant Disablement cover

$

Income Protection cover (per week)

$

Section C

Statement of good health Y N

Please tick the appropriate box for each of the following questions:

Do you have any injury or illness which restricts you or is likely to restrict you in the future from carrying out, on a full-time basis, all the identifi able duties of your current employment? (Full-time means more than 30 hours a week on an ongoing basis. It is not necessary that you work full-time, but only that you have the physical and mental capacity to do so).

Please note that confi rmation of your insurance switch will be sent to you within 7 days of us actioning your change. Please check this carefully and contact us immediately if it does not refl ect the instructions you provided on this form.

Please write in blue or black pen.


Have you ever submitted a claim for TPD, income protection or terminal illness? Or are you eligible for, or entitled to, such a claim from any superannuation fund or any insurance policy?

Do you have or have you ever had any disease, illness, injury or any other conditions (other than colds, fl u or mild asthma) which:

1. Has required more than a total of 2 consecutive weeks off work during the last 12 months, or

2. Has recurred more than twice in the last two years and/or is currently causing you symptoms or requiring treatment?

If you answer ‘Yes’ to any of the above questions, you will not be eligible to transfer your insurance cover and will need to complete a Personal Health Statement to apply for additional cover with Christian Super.

Section D

Duty of disclosure

Before you enter into a contract of insurance with an insurer, you have a duty, under the Insurance Contracts Act 1984, to disclose to the Insurer every matter that you know or could be reasonably expected to know, that is relevant to the Insurer’s decision whether to accept the risk of insurance and, if so, on what terms.

You have the same duty to disclose those matters to the Insurer before you renew, extend, vary or reinstate a contract of insurance. Your duty, however, does not require disclosure of a matter that diminishes the risk to be undertaken by the Insurer; that is of common knowledge; that the Insurer knows or in the ordinary course of its business ought to know; as to which compliance with your duty is waived by the Insurer.

If you fail to comply with your duty of disclosure and the Insurer would not have entered into the contract on any terms if the failure had not occurred, the Insurer may avoid the contract within three years of entering into it. If your non-disclosure is fraudulent, the Insurer may avoid the contract at any time. An Insurer who is entitled to avoid a contract of insurance may, within three years of entering into it, elect not to avoid it but to reduce the sum that you have been insured for in accordance with a formula that takes into account the premium that would have been payable if you had disclosed all relevant matters to the Insurer.

Section E

Declaration Y N

I declare that:

The information I have given on this form and any accompanying information is true and correct, and

I satisfy all of the eligibility criteria for a transfer of insurances, and

(c) I have read and carefully considered the questions on this form, and I have understood the Duty of Disclosure above, and

I have not withheld any information that may affect the Insurer’s decision as to whether or not to accept my application for cover.

My existing insurance cover will be cancelled from the date that Christian Super cover commences and I will not transfer my existing cover to any other policy or reinstate cover. Should it become apparent to the Insurer that I have not cancelled my previous insurance cover, no claim will be payable under the Christian Super policy.

Furthermore, I acknowledge that:

(f) If I do not fully complete this application or I do not sign and date it, I will not be eligible to transfer my insurance cover to Christian Super, and

My insurance cover will commence on the date the Insurer has accepted my application provided Christian Super has received the entire account balance transferred from my other fund and my account balance is suffi cient to pay premium. I will be required to re-complete a new Transfer of Insurance Form if Christian Super does not receive my entire account balance from my other fund within 31 days after the Insurer has accepted my application or my balance remains insuffi cient to pay premium, and

(h) My existing level of cover will be converted to units (rounded up to the next whole unit if necessary), and

(i) For Income Protection cover, a waiting period of 60 days and a benefi t period of 2 years will apply, and

(j) The Insurer may undertake appropriate inquiry and investigation to verify the answers that I have provided. These inquiries and investigations may be made at any time including, but not limited to, when the Insurer is considering this application or at the time of the claim.

Member signature

Date

Please ensure that you have completed all sections, have attached suffi cient evidence of the type and level of cover currently held, and have signed and dated this Transfer of Insurance Form.

Please return within 31 days of signing together with suffi cient evidence to:

Christian Super Locked Bag 5073 Parramatta, NSW 2124

"Choosing insurance through your super fund is often the most cost effective way of securing cover."

Have you ever submitted a claim for TPD, income protection or terminal illness? Or are you eligible for, or entitled to, such a claim from any superannuation fund or any insurance policy?

Do you have or have you ever had any disease, illness, injury or any other conditions (other than colds, fl u or mild asthma) which:

1. Has required more than a total of 2 consecutive weeks off work during the last 12 months, or

2. Has recurred more than twice in the last two years and/or is currently causing you symptoms or requiring treatment?

If you answer ‘Yes’ to any of the above questions, you will not be eligible to transfer your insurance cover and will need to complete a Personal Health Statement to apply for additional cover with Christian Super.

Section D

Duty of disclosure

Before you enter into a contract of insurance with an insurer, you have a duty, under the Insurance Contracts Act 1984, to disclose to the Insurer every matter that you know or could be reasonably expected to know, that is relevant to the Insurer’s decision whether to accept the risk of insurance and, if so, on what terms.

You have the same duty to disclose those matters to the Insurer before you renew, extend, vary or reinstate a contract of insurance. Your duty, however, does not require disclosure of a matter that diminishes the risk to be undertaken by the Insurer; that is of common knowledge; that the Insurer knows or in the ordinary course of its business ought to know; as to which compliance with your duty is waived by the Insurer.

If you fail to comply with your duty of disclosure and the Insurer would not have entered into the contract on any terms if the failure had not occurred, the Insurer may avoid the contract within three years of entering into it. If your non-disclosure is fraudulent, the Insurer may avoid the contract at any time. An Insurer who is entitled to avoid a contract of insurance may, within three years of entering into it, elect not to avoid it but to reduce the sum that you have been insured for in accordance with a formula that takes into account the premium that would have been payable if you had disclosed all relevant matters to the Insurer.

Section E

Declaration Y N

I declare that:

The information I have given on this form and any accompanying information is true and correct, and

I satisfy all of the eligibility criteria for a transfer of insurances, and

(c) I have read and carefully considered the questions on this form, and I have understood the Duty of Disclosure above, and

I have not withheld any information that may affect the Insurer’s decision as to whether or not to accept my application for cover.

My existing insurance cover will be cancelled from the date that Christian Super cover commences and I will not transfer my existing cover to any other policy or reinstate cover. Should it become apparent to the Insurer that I have not cancelled my previous insurance cover, no claim will be payable under the Christian Super policy.

Furthermore, I acknowledge that:

(f) If I do not fully complete this application or I do not sign and date it, I will not be eligible to transfer my insurance cover to Christian Super, and

My insurance cover will commence on the date the Insurer has accepted my application provided Christian Super has received the entire account balance transferred from my other fund and my account balance is suffi cient to pay premium. I will be required to re-complete a new Transfer of Insurance Form if Christian Super does not receive my entire account balance from my other fund within 31 days after the Insurer has accepted my application or my balance remains insuffi cient to pay premium, and

(h) My existing level of cover will be converted to units (rounded up to the next whole unit if necessary), and

(i) For Income Protection cover, a waiting period of 60 days and a benefi t period of 2 years will apply, and

(j) The Insurer may undertake appropriate inquiry and investigation to verify the answers that I have provided. These inquiries and investigations may be made at any time including, but not limited to, when the Insurer is considering this application or at the time of the claim.

Member signature

Date

Please ensure that you have completed all sections, have attached suffi cient evidence of the type and level of cover currently held, and have signed and dated this Transfer of Insurance Form.

Please return within 31 days of signing together with suffi cient evidence to:

Christian Super Locked Bag 5073 Parramatta, NSW 2124


Health EvidenceWhen you apply for insurance or to increase your current insurance cover, you may be asked for evidence of health. If you need to provide health evidence, your cover or increased cover will only apply from the date the Insurer accepts your application.

Your Duty of DisclosureYou have a duty under the Insurance Contracts Act 1984 (Cth.) to disclose to the Insurer every matter that you know or could reasonably be expected to know that is relevant to the Insurer’s decision whether to accept the risk of insurance and, if so, on what terms.

Your duty of disclosure applies even after your application is completed and until the Insurer has assessed and accepted your application for insurance cover, or an increase in cover or, in the event that a condition is applied to your cover, you accept the offer of cover provided by The Insurer. You have the same duty to disclose those matters to the Insurer before you change your insurance cover or apply for new cover. Your duty, however, does not require disclosure of a matter that diminishes the risk to be undertaken by the Insurer; is of common knowledge; the Insurer knows, or in the ordinary course of business, ought to know; or the Insurer has waived.

Non DisclosureIf you fail to comply with your duty of disclosure, and the Insurer would not have entered into the contract on any terms if the failure had not occurred, the Insurer may void the contract within three years of entering into it. If your non-disclosure is fraudulent, the Insurer may void the contract at any time.

An insurer who is entitled to void a contract of life insurance may, within three years of entering into it, elect not to void it but to reduce the sum that you have been insured for in accordance with a formula that takes into account the premium that would have been payable if you had disclosed all relevant matters to the Insurer.

Loadings & Exclusions In some circumstances the Insurer may place certain restrictions on your insurance, or may only accept cover with a premium loading. If these circumstances apply to you, you will be notified.

Any health evidence you submit is covered by our Privacy Policy, which can be viewed at www.christiansuper.com.au

Interim Accident CoverWhen you apply for insurance, you may receive Interim Accident Cover for an interim accident cover period - this is the time while your application for cover is being considered by the Insurer. If you have an accident during the interim accident cover period, an interim accident cover benefit will be paid if you die, or become totally and permanently disabled, within 90 days of your application.

The interim accident cover period will start on the date that Christian Super receives your application for insurance and will end when:

• Your application is withdrawn, accepted or rejected• The policy is terminated • 90 days has passed since Christian Super received your

application for insurance

Accidental InjuryIf the required cover is in force, you will be paid the agreed benefit for interim Accident Cover in the event of Death or TPD.

The interim accident benefit is payable once, and if paid, your application for insurance will be cancelled. The interim Accident Cover benefit will be the lesser of the amount of cover you applied for or $1,500,000 for Death and TPD. The amount of the monthly benefit for Income Protection shall be no greater than the maximum amount of cover which would have been applicable or $15,000 per month whichever is the lesser. Where this applies, you will be eligible to receive a monthly benefit for a maximum period of 24 months. There will be no partial disability payment under Accident Cover.

Accident means bodily injury caused solely and directly by accidental, external and visible means, independent of any other cause.

Transfer of Insurance CoverYou may have the opportunity to transfer any Death and TPD insurance cover you have with a previous superannuation fund or individual insurance policy. Use the Transfer of Insurance Form in this Insurance Guide to request a transfer.

Transfer of Cover for The Purpose of Choice Under Superannuation LegislationYou can elect to transfer your existing cover into Christian Super if you are insured under either of the following:

a. Another employer sponsored policy; or b. An individual insurance policy with another Australian life

Other important informationProtecting you and your family through all of life’s unexpected events, for your peace of mind.


insurer provided they were underwritten and accepted for cover within the previous 5 years.

• The transfer of existing cover to Christian Super is subject to you meeting the following criteria:

c. You must be aged less than 65, andd. You must not be working in an excluded occupation, ande. You must confirm that your insured benefit in the existing

fund or insured policy will cease on cover commencing with Christian Super. No claim will be considered by Christian Super where you retain any form of your previous cover elsewhere; and

f. You must transfer your entire account balance to Christian Super; and

g. You must not continue the cover under any other insurance arrangement, reinstate cover or effect a continuation option with any fund; and

h. You must provide a copy of the most recent Benefit Statement or Policy Renewal Statement dated within the previous 12 months as evidence of your current cover and insured benefit previously held. This includes a copy of the advice you received from the insurer or fund advising you of acceptance of your insurance and if on standard terms or subject to additional terms; and

i. Your existing cover not being subject to any premium loading, restriction, exclusion or pre-existing condition exclusion or restriction in regard to medical or other conditions, and

j. The maximum amount of cover that can be transfer for death only or Death and TPD is $1 million; and

k. Your total Death and TPD cover without a health check must not exceed $1 million, including any existing default cover and any transferred amount; and

l. You must satisfactorily complete a Transfer of Insurance Application Form, including answering ‘no’ to the agreed health questions, and be received by Christian Super within 31 days of being signed and dated.

Your transferring cover will be converted into a number of units required to match the existing type and level of cover held, rounded up to the next highest number of units of cover.

Where all of the above requirements have been met, cover will commence from the date we accept your Transfer of Insurance Application Form, assuming your account balance is sufficient to pay the required premium.

If Christian Super has not received an account balance transfer within 31 days of accepting your Transfer of Insurance Application Form, or the account balance is insufficient to pay the premium, then cover will not have commenced and you will be required to complete a new Transfer of Insurance Application Form. Cover will then only commence from the date we accept the new Transfer of Insurance Application Form if your account balance is sufficient to pay the premium.

Where any of the above requirements have not been met, no transfer of cover can occur and the cover will be subject to a Personal Health Statement being completed in the first instance and will commence on the date that we advise in writing.

Increasing cover You can apply for new or increased cover at any time. Your application will be assessed by the Insurer and you will need to provide health information. You can also apply via MemberAccess online.


Payment of Insured BenefitsThe timely payment of insured benefits depends on the Insurer receiving information from you, your employer(s) and medical practitioners. Any delay in receiving this information may result in the payment of benefits being delayed.

The Insurer reserves the right to investigate your claim, and this may delay the payment of insured benefits.

The payment of insurance benefits is also subject to any special conditions for exclusions that may apply to you.

Cover During Employer Approved LeaveYour insurance cover will continue on the same terms and conditions if you are on employer approved leave provided:

• You continue to be employed by their Employer and your premiums continue to be paid; and

• The period of leave is no longer than 2 years.• Cover may continue after 2 years on such terms as permitted.

We require written notification prior to the commencement of any period of leave if cover is not to be continued.

24 Hour CoverOnce it has come into force and while it remains in force, the cover we provide operates 24 hours a day. Cover comes into force and takes effect from midnight Australia Eastern Standard Time on the day it commences. Cover ceases at midnight Australia Eastern Standard Time on the day it terminates.

Cover During Overseas ResidenceWhen you take up residence overseas for a period of more than 3 months we will continue to cover you, subject to certain conditions. These include but are not limited to:

• You retain your insurance cover throughout the period of your overseas residence; and

• Your country of residence is not a Hazardous Destination; and• Your insurance premium continues to be paid throughout the

period of overseas residence.

Where these conditions are not met, approval for continuation of cover will be subject to our approval and should be obtained from us prior to departure from Australia. If we approve this cover it may be subject to an additional premium.

We reserve the right to require you to return to Australia at your own expense in the event that you submit a claim for Total & Permanent Disablement or Terminal Illness.

At Christian Super, we believe having adequate insurance is part of living life with financial health and understanding

Essential detailsChoosing insurance through your super fund is often the most cost effective way of securing cover.


Two pieces of legislation have been passed recently that affect the way Christian Super can offer insurance to members. This Insurance Guide has been written so as to already take into account the effects of these changes, but the changes and potential impacts to new and existing members are further outlined below.

Protecting Your Super (PYS) The Government has recently passed new legislation to ensure that inactive members are not paying premiums for insurance cover that may inappropriately erode their retirement savings.

From 1 July 2019, any Christian Super members who have an account that has been inactive for at least 16 months will have their insurance cover cancelled.

How do I know if this affects me? This affects you if you have an account that has been inactive for 16 months. This means that, for 16 months:

• no contributions have been made to the account and • you have not taken any of the following actions:

- adjusted insurance cover - switched investments - nominated or amended a Binding Beneficiary Nomination - completed the Inactive Low account Balance Form.

You should also have been provided a notice from us that your account has been inactive at 9 months, 12 months and 15 months before you reach 16 months of inactivity.

What if I want to keep my insurance cover? If you wish to maintain your insurance cover in this account, you need to take one of the following steps before you reach 16 months of inactivity:

Complete the Election to Maintain Insurance Cover form and return it to us;

or

Login to MemberAccess and select to retain your insurance cover via the ‘Update personal details’ section;

or

Make your account active again by engaging in one of the activities above (such as by making a contribution to the account)

If you are unsure about whether or not you should keep your insurance cover, we encourage you to use our Christian SuperEquip tool, available through your online account. Alternatively, you can call our Member Care Team to book an appointment with an adviser to get a better understanding of your insurance needs.

For further information about ‘Cancellation of Insurance Accounts’, you can visit ASIC’s MoneySmart website www.moneysmart.gov.au

Putting Members' Interest First (PMIF) The Government has recently passed new legislation to ensure that young members and members with low account balances are not paying premiums for insurance cover that may inappropriately erode their retirement savings.

From 1 April 2020, any new Christian Super members joining OR waiting for their default insurance cover to commence won’t receive default cover until they’re 25 years of age AND have a minimum balance of $6,000.

How do I know if this affects me? This affects you if, after 1 April 2020, you are a new Christian Super member joining or waiting for default insurance cover to commence and you are either under 25 OR have an account balance of $6,000.

If you take no other action, you will automatically receive default insurance when you have reached 25 years of age AND have a minimum balance of $6,000.

What if I wish to obtain insurance cover? If you wish to obtain insurance before meeting the criteria on this account, you need to take one of the following steps within 180 days of joining as a member:

Complete the Election to Opt In for Insurance Cover form and return it to us

or

via MemberAccess.

If you are unsure about whether or not you should obtain insurance cover, we encourage you to use our Christian SuperEquip tool, available through your online account. Alternatively, you can call our Member Care Team to book an appointment with an adviser to get a better understanding of your insurance needs.

Legislative Changes Protecting Your Super (PYS) and Putting Members' Insterets First (PMIF).


Accident Cover means only where a claim is as a result of injury solely by visible, violent and external means to the body.

Activities of Daily Living refers to:

a. Bathing: the ability to wash or shower without assistanceb. Dressing: the ability to put on and take off clothing without

assistancec. Feeding: the ability to get food from a plate into the mouth

without assistanced. Mobility: the ability to get in and out of bed and a chair without

assistancee. Toileting: the ability to use the toilet including getting on and

off without assistance.Agreed Benefit means in relation to an insured person the amount of benefit for which cover is in force, but does not include Interim Accident Cover..

At Work means that a person is:

a. Not restricted by Illness or Injury from being capable of actively performing all of their full and normal duties of their usual occupation for the Employer on a full-time basis (for at least thirty 30 hours per week) even though actual employment may be on a full-time, part-time, casual or contract basis, or

b. If on Employer approved leave, except leave caused any Illness or Injury, they would be able to attend work and perform their normal duties without restriction due to Illness or Injury, and

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

Cognitive Loss means we have determined a total and permanent deterioration or loss of intellectual capacity which requires the insured person to be under the continuous care and supervision of another adult person for at least 3 consecutive months and at the end of that 3 month period, they are likely to require permanent ongoing continuous care and supervision by another adult person.

Doctor means a qualified medical practitioner registered to practice in Australia or New Zealand or as otherwise agreed by us. That person may not be the insured member, the insured member’s business partner, a member of the insured member’s immediate family or their employer.

Employer means the participating employer of an eligible member.

Employer Contribution means the amount remitted by a participating employer to be credited to the insured member’s account.

Excluded Occupation unless we have expressly agreed in writing to provide cover for them under the Insurance Policy, any occupations which include any of the following duties are an excluded occupation:

a. Air traffic controllerb. Earth drilling, mineral exploration, miner or person working

with explosivesc. Fireman, police, ambulance officer or paramedicd. Fishermane. Forestry workerf. Offshore oil rig workerg. Pilot - for avoidance of doubt, MAF Pilots are eligible for cover

as outlined under Special Arrangement for MAF Pilots in the Policy Schedule.

h. Professional entertainer such as actor, dancer, musician or stage performer

i. Professional or semi-professional sports peoplej. Seasonal workers or employees in industries with a high level of

seasonal or casual workforcek. Security guard, doormen, bouncer or person employed in

crowd controll. Sex workerm. Sheltered workshop employeesn. Underground or underwater workero. Workers in the horse racing industry such as trainer, jockey or

strapperp. Workers whose work requires them to work at heights above

ten metres such as rigger, scaffolder, roof worker or antenna erectors.

First Eligible means a person is first eligible to join the insurance plan on the later of:

a. When they first commence employment with a participating employer in respect of which a membership number is allocated to them, or

b. When their employer becomes a participating employer in respect of which a membership number is allocated to them.

Should a participating employer first become liable to pay the Superannuation Guarantee charge for an eligible person at a date later than (a) or (b) above, then this date will become the date on which that member was first eligible to join the insurance plan.

Gainful Employment means employed or self-employed for gain or reward in any business, trade, profession, vocation, calling, occupation or employment at the time of assessing the claim

Definitions


and includes part-time occupations, an occupation which may be perceived by the person to be of lower status than the person’s previous occupation or an occupation in which the person does not earn as much income as they did in their previous occupation and taking into account any reasonable retraining they have undertaken or have a capacity to undertake in the future at the time of final assessment of their claim.

Hazardous Destination means a country that is listed on the Department of Foreign Affairs & Trade website (www.dfat.gov.au) under ‘do not travel’.

Illness means a sickness, disease or disorder.

Inactive please refer to the definition on page 29 under "How do I know if this affects me"?

Injury means bodily injury caused by violent, external and visible means.

Insured Person/s means an eligible person for whom cover other than Accident Cover is in force.

Limited Cover means an illness that manifests or an injury that occurs on or after the date cover commences or recommences or is reinstated for an Insured Person under the Policy. (for avoidance of doubt, Insured Cover is not provided for a pre - existing Injury, Illness, condition or related symptom that the Insured Person was aware of, or a reasonable person in their position should be aware of , or for which they had a medical consultation, on or prior to the date Insured Cover commences or recommences for an Insured Person .

On-Time means an employer contribution that is received by Christian Super within 6 months of the end of the month in respect of which the employer contribution relates.

Overseas means anywhere other than the Commonwealth of Australia and its Territories.

Paralysis means any of the following:

c. Diplegia which means the permanent and total loss of function of both sides of the body due to injury or illness, or

d. Hemiplegia which means the permanent and total loss of function of one side of the body due to injury or illness, or

e. Paraplegia which means the permanent and total loss of use of both legs resulting from injury or illness, or

f. Quadriplegia which means the permanent and total loss of use of both arms and both legs resulting from injury or illness, or

g. Tetraplegia which means the permanent and total loss of use of both arms and both legs resulting from injury or illness.

Participating Employer means an employer who makes or agrees to make contribution payments to Christian Super in respect of eligible persons and abides by the rules governing the Insurance plan.

Permanent Employee means an employee who is employed on a permanent basis under an ongoing contract that:

a. Requires the employee to perform identifiable duties for a regular number of hours each week, and

b. Provides the employee with paid annual leave, sick leave, leave loading and long service leave.

Premium means the money paid to Christian Super or owed to Christian Super for the insurance we provide under our insurance policy.

Terminal Illness means a disease or condition that, in the opinion of a specialist medical practitioner approved by the Christian Super insurer, is likely to lead to the insured member’s death within 24 months from the date they were diagnosed with the terminal illness.

If you have any questions or would like more information please contact Christian Super

1300 360 907 Member Care Team Our member services team are here

to help. Call Monday to Friday 9am to 6pm AEDT.

[email protected]

christiansuper.com.au Visit us online to get the latest news

and information, download forms and factsheets, consolidate and much more.

MemberAccess Access your personal records at

christiansuper.com.au/members (contact the Member Care Team if you need help to login).

Mobile App Access your personal records

anytime, anywhere with our free member mobile app.

If you wish to make an enquiry or formal complaint about the operations or management of the Fund or about a decision of the Trustee, contact the Complaints Manager at 1300 360 907, [email protected] or PO Box 3035 Rhodes NSW 2138 Australia. Formal complaints must be in writing via email or post.

The Trustee will deal with your complaint as quickly as possible and must advise you in writing of the decision made in relation to your complaint within 90 days. If the matter is not resolved to your satisfaction by the Trustee, you may contact the Australian Financial Complaints Authority (AFCA). AFCA is a free, fair and independent body established to deal with complaints from consumers in the financial system. Full details of Christian Super’s complaint process can be found in the Fund’s Complaints Handling Policy which may be requested from the Complaints Manager through the contact details above.”

Please note: We have attempted to provide an adequate representation of the insurance policy documents in this Guide. For a full description of the insurance product, refer to the insurance policy documents which are available on request.

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April 2020 Insurance Guide - Christian Super · Income Protection 11 Insurance Choice Form Super...

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