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Insurance Guide MTAA Super

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Insurance Guide MTAA Super Powered By Docstoc
					                                                                     www.mtaasuper.com.au
                                                       Phone: 1300 362 415 / Fax: 1300 365 142



                                                           Insurance Guide
                                                           Dated 1 July 2012



                                       The information in this document forms part of the Product Disclosure
                                       Statement for MTAA Super dated 1 July 2012 issued by Motor Trades
                                       Association of Australia Superannuation Fund Pty Ltd (ABN 14 008 650 628,
                                       AFSL 238 718) of Level 3, 39 Brisbane Ave Barton ACT 2600, the Trustee of
                                       the MTAA Superannuation Fund (ABN 74 559 365 913).




Insurance in your super                                                                    Contents
MTAA Super offers a range of insurance options to protect you and your family
                                                                                           Matching Cover ..............................2
from financial hardship if you are unable to work for a long period due to
sickness or injury, or become permanently disabled or die.                                 Death and TPD cover ......................3
The benefits of insurance as part of your superannuation arrangements include the                Default cover ..............................3
following:                                                                                       Limited Cover .............................4
•	 Cost savings. MTAA Super uses its purchasing power and has negotiated a group
    insurance policy on behalf of its members.                                                   Changing your cover ..................5
    C
•	 	 over is tax-effective. You do not pay for it with your after-tax income since               Work Scales ................................6
    premiums are deducted directly from your superannuation account.                             Unitised Cover ............................6
                                                                                                 Fixed Cover.................................8

Types of cover                                                                             Income Protection Insurance .........13
                                                                                                 Calculating the cost of cover.....14
MTAA Super offers three types of cover to members.
                                                                                                 Income Protection unitised scales 15
Death cover
                                                                                           Important information
Death-only cover provides an insured lump-sum benefit in the event of your death or a      about your insurance cover ...........21
terminal illness.
                                                                                           Privacy policy: group risk insurer....23
Total and permanent disability (TPD) cover
                                                                                           Forms
TPD cover provides for an insured lump-sum benefit if you become totally and
                                                                                                 Application for
permanently disabled or suffer a terminal illness.
                                                                                                 additional Insurance .................25
Income protection
                                                                                                 Application to change your
Income protection insurance will pay a benefit, usually monthly, if you are unable to            work scale ................................31
work because of illness or injury.
                                                                                                 Matching Insurance Cover ........33
                                                                                                 Application to increase
                                                                                                 cover on joining .......................37




                                                                                                                                                 1
    Matching cover
    Want to join MTAA Super and change your super fund without losing your existing
    levels of insurance cover? MTAA Super offers members the ability to apply to match
    their cover to the insurance design available. This means you may be able to consolidate
    your super accounts and not have to pay additional fees for keeping your insurance
    open in another fund. You must satisfy a number of conditions and these are outlined in
    the Matching insurance cover form on Page 33.


               Do not cancel your existing insurance until you have received
               written notification that your cover has been accepted.


               To apply, fill in the MaTching insurance cover forM on Page 33.
               This form outlines all conditions and any restrictions regarding cover.




2
Death and Total and Permanent Disablement cover
Default cover
Cover when you join MTAA Super
New MTAA Super members are automatically provided with default cover (subject to
terms and conditions). The level of cover provided to you is based on your age when you
become a member and may change in line with your age. Some new members will not be
eligible for default cover (see page 4).
The table below sets out the cost and the number of units of cover that are provided for
your age when you join:

 Cover when you join MTAA SuPer

  your age next birthday           Death units –      TPD units –       Cost of Cover
 when you join MTAA Super          General Scale     General Scale     ($0.50 per unit)

             16-21                        1                 5          $3.00 per week
             22-26                        3                 5          $4.00 per week
             27-70                        6                 6          $6.00 per week


           There are different types of work scales depending on the type
           of work you do. We classify them as General; Non-manual and
           Professional. The amount of cover you are eligible to receive will be
           different depending on the work scale applicable to you.
           It’s important you let the Fund know if you are eligible for non-
           manual or professional cover. See page 6 for more information.


how to calculate your default level of cover?
             Go to the unitised scales table on page 7
             Look at the row corresponding to your age next birthday.
             Then, look at the box in the column that corresponds to the work
             scale that applies to you. (See page 6 to find out what the different
             work scales mean).
             The amount in that box is the level of cover per unit.                                  Max is aged 29 next
             Multiply the amount of cover in that box by the number of units                         birthday. He works in an
                                                                                                    office environment and is
             you are eligible for.
                                                                                           eligible to apply for the non-manual
                                                                                           work scale. As a member of MTAA
           Not enough cover to meet your needs? Why not look at the other                  Super, he will receive 6 units of death
           options available to you.                                                       and 6 units of TPD cover:
           The level of cover provided under the unitised benefit scales                   $67,750 X 6 = $406,500.
           varies with age. Your insurance needs will vary with time, too,                 His default level of cover is $406,500
           so we recommend that you review your insurance regularly to                     of Death and TPD insurance
           ensure that the level of cover provided remains sufficient to                   at a cost of $6.00 per week.
           meet your needs.

Cover changes as you stay with MTAA Super
Insurance can’t be ‘one size fits all’ and your needs change from when you are just
entering the workforce to when you take out a mortgage and have children. This is why
we have introduced aged based default insurance scales. This means:
•	 If	you	turn	21	while	you	are	a	member	and	you	haven’t	changed	your	Death	&	TPD	
   cover, your default level of death cover will increase to three units
•	 If	you	turn	26	while	you	are	a	member	and	you	haven’t	changed	your	Death	&	TPD	
   cover,	your	default	level	of	Death	and	TPD	cover	will	increase	to	6	units.

                                                                                                                                     3
    When does default cover start?
    Your default cover will begin for eligible members on the earlier of:
    •	 the	start	of	the	contribution	period	from	which	your	first	on-time	employer	contribution	
       is	received	(up	to	a	maximum	of	180	days	prior	to	the	cash	received	date);	and
                                                                                          	
    •	 the	effective	date	of	your	account	balance	with	MTAA	Super	being	greater	than	zero.	

                   It is important to ensure that your employer pays ongoing
                   contributions to your account and on time.

    Are you eligible for default cover?
    To	be	eligible	for	the	default	death	and	total	and	permanent	disability	cover	when	you	
    join,	you	must:
    •	 be	between	15	and	69	years	of	age	
    •	 have	not	received	a	TPD	benefit	through	a	superannuation	fund	or	insurance	policy	
       at	any	time	previously;	and
    •	 not	be	currently	claiming	or	be	eligible	to	claim	a	TPD	benefit.

                   Please contact MTAA Super if you are not eligible for default
                   insurance cover for any reason other than age.


    Limited cover
    If	you	are	an	eligible	Employer	Supported	Member	who	joins	MTAA	Super	as	a	new	
    member	and	you	meet	the	following	conditions:
    •	 your	employer’s	first	employer	contribution	to	your	account	is	received	within	
       6	months	of	you	commencing	employment	with	your	employer;	and
    •	 you	are	in	Active	Employment	when	default	cover	commences.
    The	default	cover	you	receive	will	not	be	subject	to	Limited	Cover.
    If	you	are	an	Employer	Supported	Member	not	in	Active	Employment	on	the	date	the	
    cover	commences	you	will	receive	Limited	Cover	until	you	return	to	Active	Employment.	
    Once	you	return	to	Active	Employment	the	Limited	Cover	restriction	will	be	removed.	
    For	all	other	members	who	do	not	meet	the	conditions	above	you	will	receive	Limited	
    Cover	for	the	first	24	months.	Should	you	be	in	Active	Employment	after	the	expiry	of	
    this	24	month	period	Limited	Cover	will	be	removed.

                   Employer Supported Member
                   Any	member	who	receives	an	employer	(Superannuation	Guarantee)	
                   contribution	from	their	employer.	
                   Limited Cover
     Definitions




                   Limited	Cover	means	a	member	is	covered	only	for	an	injury	that	first	occurred	
                   or	an	illness	that	first	became	apparent	on	or	after	the	day	cover	began.	
                   Active Employment – Employer Supported Members
                   A	person	in	‘Active	Employment’	is	a	person	who	is	employed	by	an	employer	
                   and	who,	in	the	insurer’s	opinion,	is	capable	of	performing	their	identifiable	
                   duties	without	restriction	as	a	result	of	any	illness	or	injury	for	at	least	35	hours	
                   a	week	(whether	or	not	they	are	actually	working	those	hours).	
                   Active Employment – All other members
                   A	person	in	‘Active	Employment’	is	a	person	who	in	the	insurer’s	opinion	is	
                   capable	of	performing	their	identifiable	work	duties	without	restriction	as	
                   a	result	of	any	illness	or	injury	for	at	least	35	hours	a	week	(whether	or	not	
                   they	are	actually	working	those	hours).

4
Changing your cover
You can apply to increase, decrease or cancel your cover at any time.
Increase your cover: without providing evidence of health
You may be eligible to increase your cover without the need to provide evidence of
health to the insurer in two ways:

You first join MTAA Super
When you first join MTAA Super you may be eligible to increase your cover without the
need to provide health evidence.

             To apply, fill in the APPLICATION TO INCREASE COVER ON JOINING FORM
             on page 37. This form outlines all conditions and any restrictions regarding
             cover.


Your life changes
If you already have at least default cover with MTAA Super you can apply to increase
your Death and TPD cover by up to 3 units on the General Scale within 60 days of one
of the following events occurring:
•	 you	get	married
•	 you	have	a	child	or	adopt	a	child
•	 you	take	out	a	mortgage	to	purchase	or	build	your	home
•	 you	get	divorced.
If you are not in Active Employment at the time you apply for this increase, Limited
Cover	will	apply	to	the	amount	of	additional	cover	until	you	return	to	work,	and	have	
been in active employment.
This increase in cover cannot result in you holding more death or TPD cover than your
applicable Automatic Acceptance Limit, which for members aged 54 or less is $800,000.

             To apply, fill in the LIFE EVENTS COVER FORM on our website. This form
             outlines all conditions and any restrictions regarding cover.


Increase your cover: when you need to
As a member of MTAA Super you can apply for additional death or TPD cover at any
time. The maximum total amount of cover you can apply for:
Death cover:        $5,000,000
TPD cover:          $3,000,000

             To increase your cover, please fill in the APPLICATION FOR ADDITIONAL
             INSURANCE on page 25.


Reduce or cancel your cover
You can reduce or cancel your insurance cover at any time by writing to MTAA Super.
You can also elect to hold death-only or TPD only cover at any time.




                                                                                            5
                                             Work scales: General, Non-Manual or Professional?
                                             MTAA Super offers members three types of insurance benefit scales on which to base
              Jenny is 35 years old and is
              an administration assistant.   their benefit levels.
             She works in an office and      What is the general work scale?
    qualifies for the non-manual work
    scale. She has 6 units of death cover:   This scale is available to everyone but is generally used by members who work in a trade
    Her age next birthday is 36. Given       environment. Unless you apply (and are accepted) for the non-manual or professional
    she is eligible for non-manual cover,    scale, the general scale will apply to your insurance cover.
    if she applies to change this cover      Are you eligible for the non-manual work scale?
    and the insurer accepts that she
    is eligible, her cover will increase     If you work entirely in an office environment, and do not perform manual duties or work
    without an increase to the amount        in a hazardous environment, or do not spend more than 20 per cent of your working
    deducted from her superannuation         time outside an office environment, then you are eligible to apply for the non-manual
    account each week.                       scale.
    General work scale                       Are you eligible for the professional work scale?
    Jenny will receive $49,000 of death
                                             If you are a white-collar professional and perform no manual work (e.g doctor, lawyer,
    cover for each unit. She has 6 units
                                             accountant) you may be eligible for the professional scale. Usually these occupations
    of cover:
                                             require tertiary qualifications or are senior management positions within your
    $49,000 X 6 = $294,000                   organisation and also earn at least $120,000 per annum.
    Jenny is insured for $294,000
    Non-manual work scale
                                             Unitised or Fixed cover
    Jenny will receive $69,600 of death      You can choose to have your death or TPD cover as either unitised or fixed cover,
    cover for each unit. She has 6 units     although there are conditions you might have to satisfy. You cannot have a combination
    of cover:                                of unitised and fixed cover for death and TPD.
    $69,600 X 6 = $417,600                   Unitised cover
    Jenny is insured for $417,600            Unitised cover is based on an insurance benefit scale that determines the amount of
                                             money you will receive if you become eligible to claim a benefit for death or TPD.
    Jenny could get more death cover,
                                             The levels of cover vary according to your age, but the cost for each unit remains the
    for the same cost per week by filling
                                             same regardless of your age. See page 14 to find out how to calculate unitised cover.
    in the APPlicATion To cHAnGe
    your work ScAle on page 31.              The cost of unitised cover
    why not look at the other
                                             The charges for unitised death and TPD insurance cover are as follows:
    options available to you.
                                             Death only:                          $0.50 per unit per week
                                             Total & Permanent Disability:        $0.50 per unit per week
                                             Death & TPD cover:                   $1.00 per unit per week
                                             Unitised Scales: Death and Total & Permanent Disability
                                             The table on page 7 shows the amount of insurance cover provided by a (1) unit of
                                             cover based on your age and your work scale. Your work scale depends on the sort of
                                             work you do. See the section Work Scales above for more information.




6
 Unitised scales: death and total & Permanent disability
 (1 Unit of cover)
                                                                                                                      Sam is a mechanic and aged
        age next                     General                     non-manual                   Professional            27 next birthday. He has
        birthday                    Work scale                    Work scale                   Work scale            6 units of death cover. As
          16 - 22                      $27,500                       $39,100                      $59,100     a mechanic, he works in a manual
            23                         $28,400                       $40,300                      $61,100     environment and is eligible for the
            24                         $30,500                       $43,300                      $65,600     general work scale.
            25                         $34,100                       $48,400                      $73,300     Death cover is 6 units X $0.50 = $3.00
            26                         $39,400                       $55,900                      $84,700     per week
            27                         $42,900                       $60,950                      $92,200     The total cost of cover is $3.00
            28                         $45,900                       $65,200                      $98,700     per week
            29                         $47,700                       $67,750                      $102,600
                                                                                                              1 unit of death cover for his age
            30                         $48,900                       $69,400                      $105,100    next birthday (27) is $42,900 (on the
            31                         $49,500                       $70,300                      $106,400    general work scale)
            32                         $49,600                       $70,400                      $106,600
                                                                                                              $42,900 x 6 units = $257,400
            33                         $49,500                       $70,300                      $106,400
            34                         $49,500                       $70,300                      $106,400    $3.00 per week covers Sam for
            35                         $49,300                       $70,000                      $106,000    $257,400 death cover
            36                         $49,000                       $69,600                      $105,400
            37                         $48,700                       $69,200                      $104,700
            38                         $48,000                       $68,200                      $103,200
            39                         $45,800                       $65,000                       $98,500
            40                         $43,400                       $61,600                       $93,300
            41                         $41,000                       $58,200                       $88,200
            42                         $38,800                       $55,100                       $83,400
            43                         $36,800                       $52,300                       $79,100
            44                         $34,600                       $49,100                       $74,400
            45                         $32,600                       $46,300                       $70,100
            46                         $30,400                       $43,200                       $65,400
            47                         $28,300                       $40,200                       $60,800
            48                         $26,100                       $37,100                       $56,100
            49                         $24,000                       $34,100                       $51,600
            50                         $21,800                       $31,000                       $46,900
            51                         $19,700                       $28,000                       $42,400
            52                         $17,500                       $24,900                       $37,600
            53                         $15,300                       $21,700                       $32,900
            54                         $13,700                       $19,500                       $29,500
            55                         $11,500                       $16,300                       $24,700
            56                          $9,460                       $13,420                       $20,340
            57                          $8,250                       $11,770                       $17,740
            58                          $7,260                       $10,340                       $15,610
            59                          $6,600                        $9,400                       $14,190
            60                          $5,850                        $8,300                       $12,580
            61                          $5,500                        $7,810                       $11,830
            62                          $5,170                        $7,370                       $11,120
            63                          $4,850                        $6,900                       $10,430
            64                          $4,400                        $6,270                        $9,460
            65                          $4,070                        $5,830                        $8,750
           66*                          $3,750                        $5,300                        $8,060
           67*                          $3,300                        $4,730                        $7,100
           68*                          $2,970                        $4,200                        $6,390
           69*                          $2,650                        $3,800                        $5,700
           70*                          $2,200                        $3,100                        $4,730
* Activities of Daily Living (ADL) definition of TPD applies from 65th birthday. See ‘Features of total and
  permanent disability insurance’ on page 11 for more information.



                                                                                                                                                       7
    Fixed cover
    If you don’t want your insurance cover to reduce each year, you can retain a fixed level
    of cover.
    Fixed cover allows you to choose the level of cover you want in multiples of $1,000.
    Your chosen level of cover will not vary with your age and will remain the same each
    year until you reach age 70 for death-only or death plus TPD cover. Your premium will,
    however, vary each year according to your age.

                If you are eligible to apply for the non-manual or professional scale, fill
                in the applIcatIon to change your workscale form on page 31.
                please note that the insurer must accept that you are eligible in order for
                the non-manual or professional scale to apply.


    The cost of fixed cover
    To calculate the cost of fixed Death or TPD cover:
    The amount of cover / 1,000 X premium for your age (within your work scale) = weekly
    premium cost.
    Fixed Scales: Death and Total & Permanent Disability
    The table on page 9 shows the weekly cost for $1,000 of fixed Death and TPD cover
    based on your age and your work scale. Your work scale depends on the sort of work
    you do. See page 6 for more information.




8
 Fixed ScaleS: death and total & Permanent diSability
                           General                        non manual                        Professional                    Tony is aged 32 next
     age
                          Work scale                      Work scale                         Work scale                     birthday and would like to
    next
                                                                                                                           apply for $500,000 worth of
  birthday           Death             TPD             Death             TPD             Death                TPD   death cover. Tony is an accountant
     16-22          $0.0182          $0.0182          $0.0128          $0.0128          $0.0085          $0.0084    and meets the eligibility criteria for
       23           $0.0176          $0.0176          $0.0124          $0.0124          $0.0082          $0.0082    the professional work scale.
       24           $0.0164          $0.0164          $0.0115          $0.0116          $0.0076          $0.0076    Tony has calculated the cost of his
       25           $0.0147          $0.0146          $0.0103          $0.0104          $0.0068          $0.0068    cover as:
       26           $0.0127          $0.0127          $0.0089          $0.0090          $0.0059          $0.0059    $500,000 / 1,000 X $0.0047 = $2.35
       27           $0.0117          $0.0116          $0.0082          $0.0082          $0.0054          $0.0054    per week
       28           $0.0109          $0.0109          $0.0077          $0.0076          $0.0051          $0.0050    Tony will pay $2.35 per week for
       29           $0.0105          $0.0105          $0.0074          $0.0074          $0.0049          $0.0048    $500,000 of death cover.
       30           $0.0102          $0.0102          $0.0072          $0.0072          $0.0048          $0.0047    it’s important to note, that if Tony
       31           $0.0101          $0.0101          $0.0071          $0.0071          $0.0047          $0.0047    fixes his level of cover the insurance
       32           $0.0101          $0.0101          $0.0071          $0.0071          $0.0047          $0.0047    premium deducted from his
       33           $0.0101          $0.0101          $0.0071          $0.0071          $0.0047          $0.0047    account will increase each year.
       34           $0.0101          $0.0101          $0.0071          $0.0071          $0.0047          $0.0047
       35           $0.0101          $0.0102          $0.0071          $0.0072          $0.0047          $0.0047
       36           $0.0102          $0.0102          $0.0072          $0.0072          $0.0047          $0.0048
       37           $0.0103          $0.0102          $0.0072          $0.0073          $0.0048          $0.0048
       38           $0.0104          $0.0104          $0.0073          $0.0074          $0.0048          $0.0049
       39           $0.0109          $0.0109          $0.0077          $0.0077          $0.0051          $0.0051
       40           $0.0115          $0.0115          $0.0081          $0.0081          $0.0054          $0.0053
       41           $0.0122          $0.0122          $0.0086          $0.0086          $0.0057          $0.0056
       42           $0.0129          $0.0129          $0.0091          $0.0090          $0.0060          $0.0060
       43           $0.0136          $0.0136          $0.0096          $0.0095          $0.0063          $0.0063
       44           $0.0145          $0.0144          $0.0102          $0.0102          $0.0067          $0.0067
       45           $0.0153          $0.0154          $0.0108          $0.0108          $0.0071          $0.0072
       46           $0.0164          $0.0165          $0.0116          $0.0115          $0.0076          $0.0077
       47           $0.0177          $0.0176          $0.0124          $0.0125          $0.0082          $0.0082
       48           $0.0192          $0.0191          $0.0135          $0.0135          $0.0089          $0.0089
       49           $0.0208          $0.0209          $0.0147          $0.0146          $0.0097          $0.0097
       50           $0.0229          $0.0230          $0.0161          $0.0162          $0.0107          $0.0106
       51           $0.0254          $0.0254          $0.0179          $0.0178          $0.0118          $0.0118
       52           $0.0286          $0.0285          $0.0201          $0.0201          $0.0133          $0.0133
       53           $0.0327          $0.0327          $0.0230          $0.0231          $0.0152          $0.0152
       54           $0.0365          $0.0365          $0.0256          $0.0257          $0.0169          $0.0170
       55           $0.0435          $0.0435          $0.0307          $0.0306          $0.0202          $0.0203
       56           $0.0529          $0.0528          $0.0373          $0.0372          $0.0246          $0.0246
       57           $0.0606          $0.0606          $0.0425          $0.0425          $0.0282          $0.0282
       58           $0.0689          $0.0688          $0.0484          $0.0483          $0.0320          $0.0321
       59           $0.0758          $0.0757          $0.0532          $0.0532          $0.0352          $0.0353
       60           $0.0855          $0.0854          $0.0602          $0.0603          $0.0397          $0.0398
       61           $0.0909          $0.0909          $0.0640          $0.0640          $0.0423          $0.0422
       62           $0.0967          $0.0967          $0.0678          $0.0679          $0.0450          $0.0449
       63           $0.1031          $0.1031          $0.0725          $0.0724          $0.0479          $0.0480
       64           $0.1136          $0.1137          $0.0797          $0.0798          $0.0529          $0.0528
       65           $0.1229          $0.1228          $0.0858          $0.0857          $0.0571          $0.0572
      66*           $0.1333          $0.1334          $0.0943          $0.0944          $0.0620          $0.0621
      67*           $0.1515          $0.1515          $0.1057          $0.1057          $0.0704          $0.0704
      68*           $0.1684          $0.1683          $0.1190          $0.1191          $0.0782          $0.0783
      69*           $0.1887          $0.1887          $0.1316          $0.1316          $0.0877          $0.0877
      70*           $0.2273          $0.2272          $0.1613          $0.1613          $0.1057          $0.1057

* Activities of Daily Living (ADL) definition of TPD applies from 65th birthday. See ‘Features of total and
  permanent disability insurance’ on page 11 for more information.


                                                                                                                                                             9
     What happens after you apply for cover?
     You will receive confirmation it is under consideration. This confirmation will be in the form
     of either a letter or a phone call, and will generally be received within 6 business days.
     You may be contacted directly by phone or letter by the Fund’s insurer MetLife and/
     or their medical provider United Health Group (UHG) seeking further information or to
     arrange a medical examination or blood test. (Note that medical examinations required
     by the insurer are usually paid for by the insurer). If you wish to supply additional
     information to support your application, this will be at your own expense. Cover will
     not become operative until all the information the insurer requires has been received,
     considered and accepted by the insurer.
     During this post-application process you will be covered for up to 90 days of interim
     accident cover while the insurer is making its determination. See below for more
     information.
     You will receive a letter informing you whether or not cover has been granted. If your
     cover has been granted, the date that the cover begins and any special terms that apply
     will be noted.


                 You have a 14-day period from notification of acceptance of
                 additional insurance cover in which to review the terms and
                 conditions of coverage. You can cancel your additional insurance
                 by writing to MTAA Super during this period.
                 Any insurance charge paid during that time will be refunded
                 to your MTAA Super account.


     Interim death and TPD accident cover
     When you apply for additional insurance, you will be covered for interim accident cover
     from the date MTAA Super receives your application. Interim accident cover provides
     you with accident cover for any increased cover amount for which you have applied
     above your current cover with MTAA Super. Interim Accident cover will cease on one of
     the following events occurring:
     •	 your	application	is	withdrawn,	accepted	or	rejected,	
     •	 90	days	has	passed	since	MTAA	Super	received	your	application.	
     Where interim accident cover applies, we will provide cover for the increased insured
     amount but only if the condition which gives rise to a benefit is the sole and direct result
     of	accidental	bodily	injury	occurring	whilst	the	interim	accident	cover	is	in	force	and	is	
     not affected by a pre-existing condition.
     Please	note:	Interim	accident	cover	is	subject	to	the	lesser	of	the	amount	applied	for	and	
     $2m for Death and TPD.




10
              What is Death cover?
              Death cover provides for an insurance benefit that is payable to your
              dependants or your legal personal representative on your death, so long
              as you are a member of MTAA Super and receiving insurance cover at the
Definitions




              time of your death. Death insurance is not available to members aged 70
              years or more. Your death cover can also be paid to you should you suffer
              a terminal illness.

              What is total and permanent disability (TPD) cover?
              TPD cover provides for an insurance benefit if you become totally and
              permanently disabled. Before paying any TPD insurance benefit, the
              Trustee must be satisfied that the amount is able to be released from the
              Fund under superannuation legislation. TPD insurance is not available to
              members who are aged 70 years or more.
              The definition of ‘total and permanent disability’ varies according to your
              employment status and age at the time of becoming disabled:
              •	 If	you	were	employed	at	any	time	during	the	six	months	before	your		
                 date of disablement and aged less than 65: ‘total and permanent
                 disability’ means:
                  The member having, as a result of injury or illness, been unable to work
                  for an initial period of three consecutive months and in the insurer’s
                  opinion,	having	become	incapacitated	to	such	an	extent	as	to	render	
                  the member unlikely ever to engage in or work for reward in any
                  occupation or work he or she is reasonably capable of performing by
                  reason	of	education,	training	or	experience.	
              •	 The	Activities	of	Daily	Living	(ADL)	definition	states	that	if	the	insured	
                 member	was	not	employed	at	any	time	during	the	six	months	before	
                 the ‘Date of Disablement’ or the member is aged from 65 to 69, ‘total
                 and permanent disability’ means:
                  As a result of injury or illness, the member has become permanently
                  unable to perform the basic activities normally undertaken as part
                  of everyday life. This will be evidenced by the insurer being satisfied
                  that the member is permanently unable to engage in any two of the
                  following activities:
              	   •	 bathing	–	to	shower	or	bathe	
              	   •	 dressing	–	to	dress	or	undress	
              	   •	 toileting	–	to	use	the	toilet,	including	getting	onto	it	and	off	
              	   •	 feeding	–	to	eat	and	drink	
              	   •	 mobility	–	to	get	into	or	out	of	bed	or	a	chair	or	wheelchair	
              	   •	 continence	–	to	control	bladder	and	bowel	function.	
              	   If	the	insured	person	can	perform	the	activity	on	their	own	by	using	
                  special equipment, they will be considered able to perform that activity.
              •	 Where	the	insured	member	is	engaged	in	full-time	unpaid	domestic	
                 duties in their own residence, ‘total and permanent disability’ means:
                  As a result of illness or accident, the member is under the care of a
                  medical practitioner and is unable to perform their normal domestic
                  duties or leave their residence unaided and has not engaged in or
                  worked	for	reward	in	any	occupation	or	work	for	six	consecutive	
                  months.




                                                                                               11
                   At the end of the six months, the member continues to be so disabled that
                   he or she is, in the insurer’s opinion, unlikely to perform his or her normal
                   domestic duties at any time in the future and is unlikely at any time in the
                   future to ever engage in or work for reward in any occupation or work he



     Definitions
                   or she is reasonably capable of performing by reason of education, training
                   and experience.
                   In all cases a member will be considered for a total and permanent
                   disability benefit if he or she permanently suffers the loss of the use of two
                   limbs or the loss of the sight of both eyes or the loss of the use of one limb
                   and a loss of sight in one eye (where ‘limb’ is defined as the whole hand or
                   whole foot).

                   ‘Date of Disablement’ means the later of:
                   •	 The	date	when	a	medical	practitioner	examines	the	insured	member	
                      and certifies in writing that the member is disabled; and
                   •	 the	date	the	insured	member	ceases	all	work.	
                   This	date	does	not	apply	should	a	member	suffer	the	loss	of	the	use	of	two	
                   limbs or the loss of sight of both eyes or the loss of the use of one limb
                   and the loss of sight of one eye.

                   What is Terminal Illness?
                   A	member	who	is	insured	for	death	or	Total	and	Permanent	Disablement	
                   suffers from a sickness which:
                   (a)	 Two	medical	practitioners,	specialising	in	the	insured	member’s	sickness,	
                        certifies in writing, will despite reasonable medical treatment lead
                        to the insured member’s death within 12 months of the date of the
                        certification
                   and
                   (b) the insurer is satisfied, on medical or other evidence, will despite
                       reasonable medical treatment lead to the insured member’s death
                       within 12 months of the date of the certification referred to in
                       paragraph (a).
                   The	sickness	from	which	the	insured	member	suffers	must	occur,	and	the	
                   date of the certification referred to in paragraph (a) must be made, while
                   the insured member is covered under the policy and must be current at the
                   time the claim is lodged.
                   The	Terminal	Illness	Benefit	will	be	based	on	the	member’s	higher	insured	
                   cover	for	Death	or	Total	and	Permanent	Disablement	at	the	time	they	meet	
                   the	Terminal	illness	definition	defined	above.	

                   Eligibility for Terminal Illness or Total and Permanent Disability (TPD)
                   In	order	to	be	considered	for	a	Terminal	Illness	or	TPD	benefit,	a	member	
                   must complete and return the relevant claim forms.

                   ‘Domestic duties’ means:
                   Duties	normally	performed	by	a	person	who	remains	at	home	and	is	not	
                   working in regular employment for income.




12
Income Protection Insurance
Why consider income protection?
It is highly probable that your most important financial asset is your ability to earn an
income. But, although most people insure their homes, cars and other valuables, few
consider insuring their income.
Income protection insurance will pay a benefit for a specified benefit period, usually
monthly in arrears, if you are unable to work after the qualifying period because of
illness or injury. This can provide security in a person’s time of need.

Who can apply?
MTAA Super members who are actively engaged in full-time, part-time, casual or
contracted employment, either as an employee or as a self employed person and are
performing normal occupational duties are eligible to apply for income protection
insurance.
A member who is not at work on their commencement date with their employer will still
be considered to be performing normal occupational duties if the member is employed
and the absence is for reasons other than illness or injury.
You are not eligible if you are:
•	 working	less	than	15	hours	per	week	
•	 aged	65	years	or	more	
•	 not	an	Australian	citizen	or	permanent	resident	
•	 engaged	in	an	occupation	that	the	insurer	does	not	cover.	If	this	is	the	case,	the	
   insurer will notify you.
Members of MTAA Super can apply for income protection cover with the following
features:
•	 up	to	85	per	cent	of	your	pre-disability	income	(with	up	to	75	per	cent	of	your	pre-
   disability	income	paid	directly	to	you	(less	PAYG)	and	any	balance	(up	to	10	per	cent)	
   payable	as	superannuation	contributions	to	your	MTAA	Super	account),	subject	to	a	
   maximum	benefit	of	$25,000	per	month.	
•	 a	benefit	period	of	two	years,	five	years	or	until	age	65.
•	 cover	in	units	of	$250	per	month,	with	a	minimum	of	three	units	required	
•	 waiting	periods	of	30	days,	60	days	and	90	days	
•	 The	cost	of	cover	is	dependent	on	your	age,	insured	benefit	amount,	occupational	
   category	(general,	non-manual	or	professional),	chosen	waiting	period	and	chosen	
   benefit	period.	See	page	16	for	more	information.	
•	 A	rehabilitation	expense	benefit	which	pays	the	costs	of	a	rehabilitation	program	that	
   a medical practitioner certifies is necessary for your rehabilitation and that, in the
   insurer’s opinion, may help you return to employment.
•	 The	age	65	benefit	period	also	provides	indexation	of	your	monthly	benefit	on	the	
   anniversary of your first benefit payment. Your benefit will be increased by the lesser
   of	CPI	and	5%.	


            It is very important that you read this document carefully to
            understand the costs involved, any exclusions or limitations,
            and when an income protection claim may be payable under
            the policy.




                                                                                             13
     How much cover can you apply for?
     The maximum amount you can apply for is a benefit equal to the lesser of:
     •	 75	per	cent	of	your	pre-disablement	monthly	income,	and	10	per	cent	of	your	
        pre-disablement	monthly	income	paid	as	a	contribution	to	your	MTAA	Super	account	
     •	 $25,000	a	month.	
     The	minimum	level	of	cover	available	is	three	units.	

     Calculating the cost of cover
                 To	calculate	the	level	of	cover	you	want,	take	the	following	steps.	
                 Step 1 Calculate the figure that corresponds to 85% of your monthly
                 average gross income. If this amount exceeds $25,000, use the figure
                 $25,000 instead. See the definition of ‘income’ on page 16 to find
                 out what is classified as income.
                 Step 2 Divide the figure from step 1 by $250. This gives you the
                 number of units you need in order to receive the maximum benefit
                 you are eligible for. Write the number of units down. Round up to
                 the nearest unit.
                 Step 3 Choose the benefit scale that applies to you:
                 •	 general	
                 •	 non-manual
                 •	 professional
                 If you are unsure, see page 6.
                 Step 4 Choose the benefit period you would like to be covered for:
                 •	 2	years	
                 •	 5	years
                 •	 Aged	65
                 Step 5 Select your age band from the table that applies to you.
                 Step 6 Select your preferred waiting period:
                 •	 30	days	
                 •	 60	days	
                 •	 90	days.	
                 Step 7 Write down the cost per unit of cover per week for your age
                 band that falls within your preferred waiting period.
                 Step 8 Multiply the figure from step 7 by the number of units you
                 determined in step 2. The answer is the standard weekly premium for
                 the income protection cover you want.


                 You can adjust the cost of your premium by choosing a different
                 waiting period or benefit period or by changing the number of
                 units you select.
                 When you reach a birthday that moves you into the next
                 age band your insurance cost will change.




14
Income Protection unitised scales
Weekly cost Per $250 Monthly BenefIt
2 Year Benefit
                               General Work scale          non Manual Work scale         Professional Work scale
    age next Birthday
                           30 days   60 days   90 days   30 days   60 days   90 days   30 days   60 days   90 days
   16      to       20    $0.1848    $0.0955   $0.0640   $0.1060   $0.0546   $0.0430   $0.0851   $0.0441   $0.0346
   21      to       25    $0.1984    $0.1029   $0.0640   $0.1123   $0.0546   $0.0430   $0.0902   $0.0441   $0.0346
   26      to       30    $0.2121    $0.1092   $0.0640   $0.1187   $0.0619   $0.0430   $0.0955   $0.0494   $0.0346
   31      to       35    $0.2583    $0.1228   $0.0714   $0.1523   $0.0683   $0.0430   $0.1218   $0.0546   $0.0346
   36      to       40    $0.3444    $0.1712   $0.0998   $0.1984   $0.1029   $0.0567   $0.1585   $0.0818   $0.0462
   41      to       45    $0.4631    $0.2394   $0.1428   $0.2646   $0.1365   $0.0787   $0.2121   $0.1092   $0.0630
   46      to       50    $0.6552    $0.3412   $0.2499   $0.3706   $0.2048   $0.1428   $0.2961   $0.1638   $0.1144
   51      to       55    $0.9460    $0.5324   $0.4284   $0.5355   $0.3077   $0.2499   $0.4284   $0.2456   $0.1995
   56      to       60    $1.4090    $0.7990   $0.7286   $0.7938   $0.4641   $0.4284   $0.6352   $0.3717   $0.3423
   61      to       65    $1.9119    $1.1266   $0.9996   $1.0845   $0.6489   $0.5922   $0.8683   $0.5187   $0.4746

5 Year Benefit
                               General Work scale          non Manual Work scale         Professional Work scale
    age next Birthday
                           30 days   60 days   90 days   30 days   60 days   90 days   30 days   60 days   90 days
   16      to       20    $0.2981    $0.1911   $0.1355   $0.1386   $0.0892   $0.0640   $0.1113   $0.0714   $0.0515
   21      to       25    $0.3108    $0.1984   $0.1281   $0.1460   $0.0892   $0.0567   $0.1165   $0.0714   $0.0462
   26      to       30    $0.3245    $0.1984   $0.1144   $0.1460   $0.0892   $0.0504   $0.1165   $0.0714   $0.0399
   31      to       35    $0.4032    $0.2394   $0.1281   $0.1848   $0.1092   $0.0567   $0.1480   $0.0871   $0.0462
   36      to       40    $0.5428    $0.3213   $0.1785   $0.2446   $0.1439   $0.0787   $0.1953   $0.1144   $0.0630
   41      to       45    $0.7475    $0.4578   $0.2856   $0.3370   $0.2121   $0.1281   $0.2698   $0.1691   $0.1029
   46      to       50    $1.0447    $0.6761   $0.4851   $0.4767   $0.3077   $0.2216   $0.3811   $0.2456   $0.1775
   51      to       55    $1.5150    $1.0310   $0.8358   $0.6950   $0.4715   $0.3854   $0.5554   $0.3770   $0.3087
   56      to       60    $2.2952    $1.6316   $1.4426   $1.0521   $0.7444   $0.6573   $0.8410   $0.5953   $0.5250
   61      to       65    $2.8306    $2.0064   $1.7702   $1.2904   $0.9145   $0.8063   $1.0321   $0.7318   $0.6457

to aGe 65 Benefit Period (annUaL indeXation at tHe LeSSer of CPi & 5%)
                               General Work scale          non Manual Work scale         Professional Work scale
    age next Birthday
                           30 days   60 days   90 days   30 days   60 days   90 days   30 days   60 days   90 days
   16      to       20    $0.5796    $0.4924   $0.2825   $0.3034   $0.2583   $0.1480   $0.2278   $0.1932   $0.1113
   21      to       25    $0.6373    $0.5418   $0.2866   $0.3339   $0.2835   $0.1501   $0.2499   $0.2132   $0.1123
   26      to       30    $0.7245    $0.6152   $0.2909   $0.3790   $0.3223   $0.1523   $0.2845   $0.2415   $0.1144
   31      to       35    $0.9428    $0.8011   $0.3507   $0.4935   $0.4200   $0.1837   $0.3706   $0.3149   $0.1376
   36      to       40    $1.2852    $1.0919   $0.4715   $0.6730   $0.5722   $0.2468   $0.5050   $0.4284   $0.1848
   41      to       45    $1.7639    $1.4982   $0.7308   $0.9240   $0.7854   $0.3832   $0.6929   $0.5890   $0.2866
   46      to       50    $2.3760    $2.0191   $1.1413   $1.2452   $1.0573   $0.5984   $0.9334   $0.7938   $0.4483
   51      to       55    $3.1372    $2.6658   $1.7408   $1.6432   $1.3965   $0.9124   $1.2327   $1.0478   $0.6835
   56      to       60    $3.6822    $3.1016   $2.3320   $1.9287   $1.6243   $1.2221   $1.4468   $1.2179   $0.9166
   61      to       65    $2.8306    $2.1335   $1.8154   $1.3828   $1.1171   $0.9512   $1.0373   $0.8379   $0.7129




                                                                                                                     15
                    Your circumstances will probably change with time, so it is wise to
                    regularly review the number of income protection insurance units
                    you have, to make sure your level of cover is sufficient to provide
                    the protection you need.

     What waiting period is best for me?
     In choosing your waiting period you might wish to consider:
     •	 how	long	you	could	afford	to	be	without	an	income	–	for	example,	if	you	qualify	for	
        sick	leave	or	have	other	forms	of	savings	or	income	on	which	you	could	rely;
     •	 the	amount	you	are	willing	to	pay	and	to	have	deducted	from	your	MTAA	Super	
        account	in	income	protection	insurance	premiums.	Generally,	the	longer	the	waiting	
        period,	the	lower	the	premium.	
     No	benefit	is	payable	during	the	waiting	period.	Once	insurance	is	in	place,	if	you	want	
     to	reduce	your	waiting	period	–	say,	from	90	days	to	30	days	–	you	must	complete	a	new	
     application	form,	and	be	assessed	by	the	insurer.	You	can	choose	a	longer	waiting	period	
     simply	by	writing	to	the	Fund.	
     The	waiting	period	you	nominate	begins	when	a	doctor	who	has	examined	you	certifies	
     that	you	are	“Disabled”,	as	defined	on	page	18.	You	need	to	be	“Disabled”	or	“Partially	
     Disabled”	on	each	day	during	the	waiting	period.	The	calculation	of	the	waiting	period	is	
     also	subject	to	the	following	rules:
     •	 you	must	be	Disabled	for	at	least	7	out	of	the	first	12	working	days	of	the	waiting	
        period	to	qualify	for	an	income	protection	benefit;	
     •	 if	you	return	to	work	at	full	capacity	during	the	waiting	period,	the	waiting	period	
        starts	again	unless	you	return	to	work	only	once	and	it	is	for	a	period	of	no	more	than	
        5	consecutive	days.	If	you	return	to	work	only	once	for	a	period	of	5	consecutive	days	
        or	less,	the	number	of	days	worked	will	be	added	to	the	waiting	period.		
     What benefit period is best for me?
     In	choosing	your	benefit	period	you	might	want	to	consider	the	following:	
     •	 whether	it	will	take	a	short	period	(two	years)	or	a	medium	period	(five	years)	for	you	
        and	your	family	to	adjust	your	budget	and	finances	in	order	to	survive	without	your	
        income;	alternatively	you	may	not	want	your	family	to	adjust	and	would	like	a	income	
        for	the	long	term	(aged	65)
     •	 the	amount	you	are	willing	to	pay	and	have	deducted	from	your	MTAA	Super	account	
        in	income	protection	insurance	premiums.	The	shorter	the	benefit	period,	the	lower	
        the premium.

                    Income and monthly income definitions
                    Income	means	the	total	monthly	value	of	income	received	by	the	insured	
                    member	from	his	or	her	usual	occupation,	averaged	over	the	most	recent	
                    12-month	period	or	since	the	insured	member	started	their	occupation,	if	
      Definitions




                    the	period	is	less	than	12-months.	
                    Salary	package	items	taken	instead	of	cash	are	included	as	salary	where	
                    the	insured	member,	would	be	required	to	pay	for	that	item	in	the	event	of	
                    total	or	partial	disability.	
                    Regular	over-time	and	shift	allowances	will	be	averaged	over	the	previous	
                    12-month	period	or	since	the	insured	member	started	their	occupation,	if	
                    the	period	is	less	than	12	months.	




16
                Performance related commission, bonuses and other monetary benefits
                will be averaged over the lesser of previous 3 years, or since the insured
                member started his or her current occupation.
                Where the insured member directly or indirectly owns all or part of the
  Definitions




                business from which he or she earns his or her usual income, income
                will be calculated as the total amount earned by the business over the
                financial year as a direct result of the insured member’s personal exertion
                or activities through his or her usual occupation, less his or her share
                of business expenses, but before the deduction of income tax, for that
                business (or the relevant proportion for part of a financial year).
                The income calculated in accordance with these principles is divided by
                12 to get the “monthly income”.
                For casual and contract workers, salary will be averaged over the previous
                6 month period, rather than 12 months.
When does cover for income protection commence?
Your cover will commence when the insurer has accepted your application for cover.

Interim Disability by Accident cover
If you apply for income protection cover but you are not eligible for cover automatically,
you may be eligible for interim disability by accident cover while the insurer considers
your application. The insurer will pay you a disability by accident benefit if you suffer an
injury which results in your being Disabled or Partially Disabled during this period.
The amount payable will be equivalent to the Disability benefit, Partial Disability benefit
or superannuation contribution benefit as applicable, except that the amount of the
benefit will be the lesser of:
•	 85%	of	your	monthly	income;	or
•	 the	amount	of	cover	you	requested	in	the	fully	completed	application	for	cover;	or
•	 $15,000	per	month.	
No Disability by Accident benefit will be payable if any of the following occurred before
you suffer the injury:
•	 the	insurer	has	accepted	(on	any	terms)	or	rejected	your	application	for	income	
   protection	cover;	or
•	 you	withdraw	your	request	for	income	protection	cover;	or
•	 90	days	have	passed	from	the	date	the	insurer	receives	your	application	for	income	
   protection;	or
•	 an	exclusion	to	cover	applies	(see	the	section Are there any exclusions?	on	page	20).
Payment of the interim disability by accident benefit is subject to all the relevant terms
and conditions of MTAA Super’s Policy with MetLife.




                                                                                               17
                     What does “Disabled” and “Partially Disabled” mean for the purposes
                     of income protection cover?
                     An insured person is “Disabled” if, solely as a result of injury or illness,
                     occurring while income protection cover is in force:



       Definitions
                        T
                     •	 	 he	insured	person	is	unable	to	perform	at	least	one	duty	of	the	insured	
                        person’s occupation which generates at least 20% of the insured
                        person’s monthly income, as confirmed by a medical practitioner.
                        T
                     •	 	 he	insured	person	is	not	engaged	in	any	occupation,	whether	or	not	
                        for reward.
                        T
                     •	 	 he	insured	person	is	receiving	regular	treatment	from	and	following	
                        the advice of a medical practitioner.
                     An insured person is “Partially Disabled” if they:
                     •	 have	been	Disabled	for	at	least	7	days	out	of	the	first	12	working	days	
                        of the waiting period; and
                     •	 are	unable	to	work	in	their	occupation	at	full	capacity	as	a	result	of	the	
                        Illness or Injury resulting in Disability; and
                        a
                     •	 	 re	working	in	their	occupation	or	any	other	occupation	but	only	in	a	
                        limited capacity; and
                        a
                     •	 	 re	earning	an	income	less	than	their	monthly	income	(as	calculated	in	
                        accordance with the policy terms); and
                     •	 are	under	the	regular	care	and	following	the	advice	of	a	medical	
                        practitioner.
     How will my benefit be calculated?
     Your income protection benefit will be the lesser of:
     •	 the	maximum	benefit	of	$25,000	a	month;	or	
     •	 the	amount	accepted	and	agreed	to	in	writing	by	the	insurer;	or	
     •	 85	per	cent	of	your	pre-disability	income	(with	75	per	cent	of	that	income	being	
        payable	directly	to	you	(less	PAYG)	and	the	balance	being	payable	as	superannuation	
        contributions	to	your	MTAA	Super	account).	
     The	benefit	will	be	subject	to	any	other	terms	and	conditions	specified	in	this	document.	
     When will I receive my monthly disability benefit?
     If you are Disabled for longer than your waiting period and meet the eligibility
     requirements, you will receive your monthly disability benefit.
     If you are Partially Disabled for longer than your waiting period and meet the eligibility
     requirements, you will receive your monthly partial disability benefit.
     Also, if you are Disabled or Partially Disabled for longer than your waiting period and
     meet the eligibility requirements, you will receive your superannuation contribution
     benefit	(if	applicable).
     See	above	for	the	definitions	of	‘Disabled’	and	‘Partially	Disabled’.		
     You are eligible to make a claim if:
     •	 you	satisfy	all	the	insurer’s	claim	requirements;
     •	 the	waiting	period	you	chose	has	expired;	and	
     •	 cover	has	not	ceased	in	accordance	with	the	terms	of	the	policy.	
     The	first	monthly	benefit	payment	is	paid	one	month	after	the	end	of	the	waiting	period;	
     further	payments	are	subsequently	paid	monthly	in	arrears.	The	insurer	will	waive	income	
     protection premiums while an income protection benefit is being received by you.
     Please note that while an income protection benefit is being paid, the insurer may
     require	medical	reports	and	examinations	to	verify	your	continued	disability.	


18
What if I am on leave without pay?
If an insured member becomes sick or injured while on leave without pay, no income
protection benefit will be paid until the later of:
•	 the	time	when	the	member’s	leave	without	pay	is	to	cease	(in	accordance	with	their	
   employer’s	written	notification);	or	
•	 the	expiry	of	the	waiting	period.	
If the employer does not provide a written notification on cessation of the leave without
pay	period,	the	insurer	will	assume	that	the	leave	without	pay	period	is	24	months.
What happens if I return to work after I am disabled?
If	you	return	to	work	after	you	become	disabled	you	might	be	eligible	to	receive	a	partial	
disability	benefit.	To	receive	a	partial	disability	benefit,	you	must	be	Partially	Disabled	
after	the	waiting	period	has	ended.		See	the	above	definition	of	‘Partially	Disabled’	
above.
If	you	are	eligible	for	a	partial	benefit	the	benefit	will	be	calculated	in	proportion	to	
the	income	you	are	losing	as	a	result	of	your	limited	capacity	to	engage	in	your	normal	
occupation	and	the	monthly	benefit	you	would	receive	if	you	were	totally	disabled.	The	
proportion	will	vary	according	to	the	number	of	units	chosen	and	your	income	at	the	
time	of	your	claim.	
A	partial	disability	benefit	will	cease	to	be	payable	when	you	are	capable	of	earning	
your pre-disability salary, you return to normal duties or if one of the other events listed
below	in	the	section	“When	does	the	benefit	period	end?”	occurs.	
What is the rehabilitation expense benefit?
The	rehabilitation	expense	benefit	is	payable	if	you	become	totally	or	partially	disabled,	
the	insurer	approves	the	rehabilitation	expenses	before	they	are	incurred	and	if	the	
rehabilitation	expenses	are	incurred	directly	to	assist	you	to	return	to	work	in	any	gainful	
occupation	or	to	undertake	vocational	retraining.		The	amount	of	the	rehabilitation	
expense	benefit	is	up	to	six	times	your	disability	monthly	benefit	and	it	will	be	paid	
directly	to	the	providers	of	rehabilitation	services	to	reimburse	costs.
When does the benefit period end?
The	benefit	period	will	end	on	the	earlier	of:	
•	 the	end	of	the	benefit	period	you	selected		
•	 when	you	reach	age	65	
•	 when	you	are	no	longer	totally	or	partially	disabled.
•	 when	you	die	
What happens if the disability returns?
If,	after	being	totally	disabled	or	partially	disabled,	you	return	to	work	and	within	six	
months	the	same	disablement	recurs,	this	will	be	regarded	as	a	continuation	of	the	same	
claim	and	no	waiting	period	will	apply.	The	benefit	period	will,	however,	be	limited	to	
the	unused	portion	of	the	benefit	period	that	applied	in	respect	of	the	earlier	claim.	
If,	after	being	totally	disabled	or	partially	disabled,	you	return	to	work	and	subsequently	
experience	a	different	disablement,	you	will	need	to	submit	a	new	claim.	
The	maximum	length	of	time	a	benefit	for	a	disability	or	partial	disability	from	any	one	
or	related	illness	or	injury	will	be	limited	to	the	benefit	period	selected.		




                                                                                                19
     What happens if I am overseas while receiving an income protection benefit?
     If you reside outside Australia benefits will be payable for a maximum period of 12 months.
     However, if you reside in Canada, New Zealand, the United Kingdom, the USA or any
     other country to which the insurer agrees, benefits will be payable to the length of your
     chosen benefit period.
     Are there any exclusions?
     No income protection benefit is payable to you if your injury or illness is caused directly
     or indirectly by one of the following:
     •	 any	act	of	war	whether	or	not	declared	–	including	war,	terrorism,	civil	commotion,	
        act or invasion, rebellion or revolution
     •	 service	in	any	armed	forces
     •	 an	intentional	self-inflicted	injury	or	any	attempt	to	commit	suicide	
     •	 normal	and	uncomplicated	pregnancy,	caesarean	birth,	threatened	miscarriage,	
        participation	in	in-vitro	fertilisation	or	other	medically	assisted	fertilisation	techniques	
        and normal discomforts of pregnancy, including but not limited to morning sickness,
        back ache, varicose veins, ankle swelling and bladder problems.
     The insurer may reduce or refuse to pay a benefit in any of the following circumstances:
     •	 if	premiums	have	not	been	paid	for	your	cover	
     •	 if	you	or	MTAA	Super	do	not	comply	with	the	insurer’s	claim	requirements	
     •	 if	the	insurer’s	assessment	or	management	of	the	claim	is	prejudiced	by	not	receiving	
        or delaying notice of a claim.
     The	insurer	may	also	refuse	to	pay	a	benefit	for	an	undisclosed	pre-existing	condition	in	
     some circumstances.
     Offsets for other payments
     If you receive a payment or payments (including settlement or commutation amounts)
     from any of the following sources, the amount of the benefit will be reduced by the
     amount of the other payment(s):
     •	 any	amount	of	income	(other	than	benefits	under	the	MTAA	Super	income	
        protection policy) and the commutation of any income paid or payable in respect
        of your Disability, Partial Disability or Disability by Accident, including any amounts
        payable:
        –	 through	workers	compensation	
        –	 social	security	or	other	statutory	or	government	payments	
        –	 paid	sick	leave
        –	 in	respect	of	loss	of	income,	whether	under	legislation	or	otherwsie
        –	 under	any	statutory	accident	compensation	scheme
        –	 any	disability,	injury	or	illness	policy	(other	than	lump	sum	total	and	permanent	
           disablement)
     •	 the	amount	of	income	the	insurer	believes	you	could	reasonably	be	expected	to	earn	
        in your occupation while Disabled or Partially Disabled.




20
Important information
about your insurance cover
When does cover stop?
Your insurance cover with MTAA Super will cease in any of the following circumstances:
•	 MTAA	Super	receives	your	written	request	to	cancel	your	insurance	cover.	
•	 You	cease	to	be	a	member	of	MTAA	Super.
•	 You	die	(except	that	any	liability	to	pay	a	Death	Benefit	or	Death	by	Accident	Benefit	
   shall	remain).		
•	 A	terminal	illness	benefit	is	paid.*
•	 A	total	and	permanent	disablement	benefit	is	paid.	If,	however,	you	have	more	death	
   cover	than	TPD	cover	you	will	continue	to	have	death	cover	but	the	amount	will	be	
   limited	to	the	difference	between	your	original	death	cover	less	the	amount	of	TPD	
   benefit	paid,	providing	that	you	maintain	an	account	balance	sufficient	to	pay	for	
   premiums	due.	For	example,	if	you	have	$250,000	Death	cover	and	$100,000	TPD	
   cover	and	a	TPD	benefit	is	paid	to	you,	you	will	continue	to	have	$150,000	Death	
   cover.*
•	 Your	account	is	transferred	to	another	fund	(including	an	eligible	rollover	fund),	or	
   the	Australian	Taxation	Office.	
•	 The	day	before	you	commence	duty	in	the	armed	services	of	any	country	(other	
   than	the	Australian	Armed	Forces	Reserve	where	you	are	not	on	active	duty	outside	
   Australia).	
•	 You	do	not	have	sufficient	money	in	your	account	to	meet	the	cost	of	insurance	
   premiums.	Cover	will	cease	on	the	last	day	of	the	month	in	respect	of	which	the	last	
   premium	deduction	is	made	from	your	account.	
•	 In	the	case	of	death,	terminal	illness	and	total	and	permanent	disability	cover,	the	day	
   you	reach	70	years	of	age.	
•	 In	the	case	of	income	protection	cover,	the	day	you	reach	65	years	of	age.	
•	 The	Trustee	is	unable	to	renew	or	maintain	the	Fund’s	insurance	policy	on	acceptable	
   terms.	
What if I need to travel overseas?
MTAA	Super	insurance	cover	is	provided	24	hours	a	day,	seven	days	a	week	and	applies	
worldwide.	If	you	plan	to	travel	outside	Australia,	you	should	be	aware	an	exclusion	
applies	on	all	claims	that	were	caused	by	war,	or	war	like	activity.	
However,	you	may	be	required	by	our	insurer	to	return	to	Australia	at	your	own	expense	
to	be	assessed	for	a	Total	and	Permanent	Disablement	or	Terminal	Illness	Benefit	and	
the	period	during	which	an	income	protection	benefit	is	payable	will	be	limited	to	12	
months	unless	you	are	continuously	a	resident	in	Australia,	New	Zealand,	the	United	
Kingdom,	the	United	States	of	America	or	another	country	agreed	by	the	insurer.

*If you have Income Protection cover, providing you maintain a balance sufficient to pay premiums, that cover
 will not cease in these events.




                                                                                                                21
     Can I recommence my cover?
     If you cancel your death, TPD or income protection cover or cover ceases for you for
     any reason (other than Australian Army Reserve duty), your insurance cover will not be
     reinstated until you complete an ‘Application for additional insurance’ form and the
     insurer accepts your application.
     If you are a member receiving employer contributions and your cover ceased because
     you had insufficient money in your account to pay the premium, and then employer
     contributions recommence for you:
     •	 your	cover	will	be	reinstated	at	your	previous	level	and	type	if	an	on-time	employer	
        contribution is paid for the month following the month in which cover ceased
     •	 otherwise,	your	cover	will	be	automatically	reinstated	at	the	lower	of	your	previous	
        type and level of cover and the default cover under the general scale for any other
        employment period after cessation of cover.
     When your cover recommences you will need to be in Active Employment or all cover
     will be on a Limited Cover basis until you return to Active Employment.
     All other members must complete a personal statement and declaration of health to
     recommence cover.
     You	need	to	reapply	for	your	cover	to	be	provided	as	a	non-manual	or	professional	
     member.
     Cover Issued by MetLife
     Insurance cover for death, total and permanent disability, terminal illness and income
     protection is provided to members of MTAA Super who are accepted for cover under an
     insurance policy issued by MetLife Insurance Limited (ABN 75 004 274 882, AFSL 238 096).
     MetLife issued the insurance policies to the Trustee of MTAA Super. MTAA Super
     reserves the right to vary or discontinue death, total and permanent disability, terminal
     illness and income protection insurance at any time. It also reserves the right to change
     the insurer and policy at any time with notice.
     All insurance cover with MTAA Super is subject to acceptance by the Fund’s insurer.




22
Privacy policy: group risk insurer
MetLife Insurance Limited ABN 75 004 274 882, AFSL 238 096
The Trustee of MTAA Super has chosen MetLife Insurance Limited (‘MetLife’) to provide
the group risk insurance cover for the Fund. The personal information you provide to
us in connection to any insurance application will be provided to MetLife. MetLife is
committed to ensuring the confidentiality and security of your personal information; its
privacy policy, detailing how it handles personal information, is available on request or
can be downloaded from www.metlife.com.au. You may ask for access to information
the insurer holds about you or the policy by contacting the MetLife Privacy Officer at the
address shown at the end of this section.
In the event you make a claim, the Insurer reserves the right to investigate the claim
including but not limited to conducting surveillance and requesting information from
third parties and examinations.
Please assist MTAA Super and its insurer by contacting MTAA Super if any of your
personal information is incorrect, has changed or requires updating. MTAA Super has
established group insurance policies that provide the benefits set out herein. If you are
eligible for cover, it might be necessary for the insurer to:
•	 collect	personal	information	from	you	
•	 collect	some	personal	information	about	you	from	your	employer	or	MTAA	Super	
•	 disclose	some	of	your	personal	information	to	your	employer	or	MTAA	Super	in	order	
   to manage and administer the group risk insurance policies.
Further, in order to manage and administer the group risk insurance policies, it might
be necessary for the insurer to disclose your personal information to certain third
parties, some of which might be situated outside Australia. If you do not consent to
such disclosure the insurer will be unable to process your application, administer your
insurance, process a claim, and provide to you products and services.
Among the types of individuals and organisations to whom the insurer might
routinely disclose your personal information are doctors, medical services, surveillance
organisations, and other organisations providing services in the collection, collation or
assessment of personal information (including health information) for the purpose of
underwriting or assessing your application or assessing any claims.
The insurer will disclose your personal information to these organisations so as to
enable them to provide specified management and administration services. The insurer
collects health information with your consent. The insurer will disclose your health
information only to service providers such as doctors, reinsurers and assessors who are
directly involved in collecting, collating or assessing such information for the purpose of
underwriting or assessing your application or assessing any claim.
The insurer might also be required to provide copies of your health information to the
Trustee of MTAA Super (or its appointed administrator who administers your insurance
cover on the Trustee’s behalf) for purposes such as verifying a decision made by the
insurers in accordance with obligations imposed by law. The insurer will not disclose
your health information for any other purpose.
The insurer will also disclose your personal information in circumstances where it is
required by law to do so. Note that provisions in family law legislation enable certain
persons to request information about a member’s interest in a superannuation fund.
The insurer might, if requested, be required to provide information about your interest
in a superannuation fund to your spouse or a person who intends to enter into an
agreement with you about splitting your superannuation interests in the event of
marriage separation. The request must be in a form prescribed by law. The law prevents
the insurer from telling you about any such request for information.



                                                                                              23
     If you have any questions about MetLife’s privacy policy, write to or telephone MetLife:
     Privacy Officer
     MetLife Insurance Limited
     PO Box 3319
     Sydney NSW 2001
     Telephone 02 8225 1204 or 1300 555 625
     Email auservices@metlife.com




24
ApplicAtion for AdditionAl insurAnce


  If you want to apply for additional insurance cover you must complete the sections of this form that relate to the cover you require,
  including Sections F, G and H. If you wish to apply for non-manual or professional cover as well, complete Section B. Please use capital letters.

 Section A – Member details

MTAA Super membership number (if known)

Title                            Miss                Ms                 Mrs                 Mr                              Other (please specify)

Given name(s)

Family name

Address

Suburb                                                                                 State/Territory                 Postcode

Telephone (home)

Telephone (work)

Telephone (mobile)

Preferred contact                                                                            Time

Email

Date of birth                           /        /

Place of birth

Your MTAA Super employer (if applicable)

Present occupation

Duties performed

Are you a permanent resident of Australia                                                                                                Yes     No

 Section B – Complete this section only if you are applying for either non-manual or professional cover

  If you want to apply to have your insurance cover – that is, death-only, death plus TPD and/or income protection insurance – as either
   non-manual or professional cover you must answer the questions that follow:

Eligibility for non-manual cover
1. Are your occupational duties of a clerical, administrative, management or professional nature and performed
   entirely in an office environment (excluding travel time between offices)?                                                            Yes     No
2. Do you perform any work duties of a manual nature or work within a hazardous environment?
   Examples of work in a hazardous environment are work in a mechanical workshop, work on a factory or
   warehouse floor, work on construction or mining sites, and working with chemicals in a laboratory.                                    Yes     No
3. Do you spend more than 20 percent of your working time – that is, over eight hours a week in a 40-hour week,
   on average – outside an office environment?                                                                                           Yes     No
If you have answered ‘Yes’, ‘No’, ‘No’ to the above questions, you are eligible for non manual cover.
Eligibility for professional cover
In addition to the requirements set out for non-manual cover, please answer the following:
1. Do you hold a tertiary qualification relevant to your current occupation or are you a member of a professional body
   relevant to your current occupation or a member of your organisation’s senior management team?                                        Yes     No
2. Do you work 100% within an office environment and earn $120,000 per annum or more?                                                    Yes     No
If you have answered ‘Yes’ to both of the above questions, you are eligible for professional cover.
These questions relate to all work duties you perform as an employee for all of the employers you work for, or as
a partner in a partnership or a sole trader.
  n Eligibility for non-manual or professional cover is subject to acceptance by the insurer.
  n If accepted, all cover held with MTAA Super will be subject to the appropriate rate – non-manual or professional.
  n If the insurer rejects your application for non-manual or professional cover, you will be advised of the premium scales which apply to
    your cover with MTAA Super.




                                                                                                                                                      25
      Section C – Complete this section to apply for additional Death and TPD cover

      Please indicate which option you require and the type and level of cover for your chosen option. You may choose only one option.

           Option 1: Unitised Cover

     Please indicate the number of units you require in total including your existing cover:

     n Death cover ($0.50 per week per unit)                     Death units

     n TPD cover ($0.50 per week per unit)                       TPD units

          Option 2: Fixed Cover:

     Please indicate the total level of cover you require (in multiples of $1000) including your existing cover:

     n Death cover $

     n TPD cover      $

      n Your total cover cannot exceed $5,000,000 for death and $3,000,000 for TPD.
      n Any cover or increase in cover is subject to your application being accepted.
      n If the insurer does not accept your application you will retain your current level of cover.
      n If the insurer accepts your application, this new cover will replace the level of cover you currently have with MTAA Super. As such,
        you should apply for the total number of units or total amount of cover that you require.
      n You cannot hold a combination of unitised and fixed cover at the same time.

      Section D – Complete this section to apply for income protection cover

      The weekly per unit-cost for income protection cover will depend on your age next birthday, the waiting period/benefit period you choose,
      and whether you are eligible for the general, non-manual or professional premium scales. See the premium rate tables on page 16 of the
      Insurance Document.


     What is your salary? $

     How much Income Protection cover would you like? (maximum of 85% of salary):

         75% salary + 10% Super Contribution (rounded up to nearest unit)

         75% salary only (rounded up to nearest unit)

          Other amount – please advise number of units required

     What Waiting Period would you like?

         30 days          60 days         90 days

     What Benefit Period would you like?

         2 Year           5 Year         To age 65

     Do you work more than 15 hours per week?

         Yes         No (you are not eligible for income protection cover)

      Section E – Insurance History
     1. Has an application for Life, Trauma, TPD or Disability insurance on your life ever been declined, deferred or accepted
        with a loading or exclusion or any other special condition or terms?
                                                                                                                                        Yes    No

     2. Have you ever made a claim for or received sickness, accident or disability benefits, Workers’ Compensation,
        or any other form of compensation due to illness or injury?
                                                                                                                                        Yes    No

     3. Do you currently have or are you applying for any other insurance cover?
                                                                                                                                        Yes    No




26
 Section E – Insurance History – Continued

If “Yes” to Q.3, please give details in the table below.

    Product/Type                                              Total amount of cover                                     To be replaced by this cover

    Life insurance                                            $                                                              Yes           No

    Total and permanent disability                            $                                                              Yes           No

    Income protection                                         $                                                              Yes           No


 Section F – Medical History

 You must complete this section.
 The information you provide will be treated in strict confidence and will be used or disclosed only for matters relating to your insurance
 entitlements. If this section is not completed the insurer will be unable to process your insurance application and your requested level of
 insurance cover might be denied.

Personal Details
1. What is your height?                    cm    What is your weight?                 kg

2. Have you smoked in the last 12 months?                                                                                                       Yes       No

Medical History
1. In the last 3 years have you suffered from, been diagnosed with or sought medical advice or treatment for any of the following?
  Please tick all boxes that apply.

       Headache or Migraine                     Lung or Breathing Conditions               Eyesight Conditions
       (eg. tension or cluster headaches        (eg. asthma, sleep apnoea)                 (does not incl. contact lenses or glasses for near or far sightedness)
       or migraines)

       Ear or Hearing Conditions                Gout                                       Trapped Nerves
       (eg. hearing loss, tinnitus                                                         (eg. carpal tunnel syndrome, pinched nerve, tennis elbow)
       or swimmer’s ear)

       Infectious Diseases                      Muscle, Tendon or Ligament Problems
       (excl. cold & flu)

       None of the conditions listed above

  If you have selected any of the above conditions please give details in the table below.

    Condition                                                                Details (incl. dates, symptoms, treatment)




2. In the last 5 years have you suffered from, been diagnosed with or sought medical advice or treatment for any of the following?
  Please tick all boxes that apply.

       High Blood Pressure                      High Cholesterol                           Chronic Fatigue / Fibromyalgia

       None of the conditions listed above

  If you have selected any of the above conditions please give details in the table below.

    Condition                                                                Details (incl. dates, symptoms, treatment)




                                                                                                                                                                    27
     3. Have you ever suffered from, been diagnosed with or sought medical advice or treatment for any of the following?
       Please tick all boxes that apply.
            Bone, Joint or Limb Conditions         Back Pain                                 Digestive Conditions

            Brain or Nerve Conditions              Psychological or                          Cancer, Cyst, Growth or Tumour
            (incl. stroke)                         Emotional Conditions
            Thyroid Conditions                     Skin Disorder                             Genitourinary Conditions

            Auto Immune Diseases                   Heart Related Conditions                  Kidney or Liver Conditions

            Diabetes                               Blood Conditions

            None of the conditions listed above

       If you have selected any of the above activities please give details in the table below.

         Condition                                                               Details (incl. dates, symptoms, treatment)




     4. Are you currently pregnant? (Females Only)                                                                                      Yes         No

     5. What is the name of your usual doctor/Medical Centre?

       Address:

       Contact Number:

      Section G – Family History
     1. Has any parent, brother, sister or child been diagnosed under the age of 55 years, with any of the following conditions: Alzheimer’s Disease,
        Cancer, Dementia, Diabetes, Familial Polyposis, Heart Disease, Huntington’s Disease, Polycystic Kidney Disease, Multiple Sclerosis, Muscular
        Dystrophy, Stroke or any inherited or hereditary disease?
                                                                                                                              Yes    No        Unknown

       If “Yes”, please give details in the table below.

         Relationship to proposed insured                       Age at diagnosis          Specific condition(s)




      Section H – Lifestyle
     1. Do you have firm plans to travel or reside in another country other than New Zealand, America, Canada, the United Kingdom or Europe?

                                                                                                                                              Yes        No
       If “Yes”, please give details in the table below.

         Country                                                                          Length of stay




28
2. Do you regularly engage in or intend to engage in any of the following hazardous activities (not already disclosed in your occupation)?
  Please tick all boxes that apply.

       Water Sports                                          Motor Sports                                   Sky Sports
       (eg. underwater diving, rock fishing)                  (eg. motorcycle, auto, motor boat)            (eg. skydiving, hang gliding, parachuting, ballooning)

       Aviation (eg. other than as a fare paying passenger   Horse Sports (eg. polo, horse riding,          Combat Sports or Martial Arts
       on a commercial airline)                              rodeo, dressage, jumping)                      (eg. martial arts, boxing, fencing)

       Field Sports (eg. Hockey or football of any code      Hunting (of any kind)                          Any Activity Not Mentioned
       including touch or tag and soccer)                                                                   (eg. abseiling, base jumping, caving,
                                                                                                            free climbing, outdoor rock climbing)

       None of the activities listed above

  Please provide details for any of the activities you have selected above:

    Activity                                                                     Details




3. Have you within the last 5 years used any drugs that were not prescribed to you (other than those drugs available over the counter)?

                                                                                                                                                    Yes        No

  If “Yes”, please give details in the table below.

    Drug / Medicine                                                              Reason for Use




4. Do you drink six or more alcoholic drinks, on four or more occasions per week?                                                                   Yes        No

5. Do you currently have HIV (Human Immunodeficiency Virus) that causes AIDS (Acquired Immune Deficiency Syndrome)?                                 Yes        No

  If “No”, are you in a high risk category for contracting HIV?                                                                                     Yes        No

6. Other than already disclosed in this application, do you presently suffer from any condition, injury or illness, which you
   suspect may require medical advice or treatment in the future?                                                                                   Yes        No

   If “Yes”, please provide details below.

    Condition                                                                   Details (incl. dates, symptoms, treatment)




                                                                                                                                                                     29
      Section I – Your duty of disclosure

       Before you become insured under a contract of life insurance the Trustee has a duty to disclose, under the Insurance Contracts Act 1984.
       In order for the Trustee to comply with this duty, you must disclose in this application form, every matter that you know, or could
       reasonably be expected to know, is relevant to the insurer’s decision whether to accept the risk of the insurance and, if so, on what terms.
       The duty of disclosure also applies before cover is renewed, varied or reinstated. The duty does not, however, require disclosure
       of a matter:

       n that diminishes the risk to be undertaken by the insurer

       n as to which the duty of disclosure is waived by the insurer

       n that the insurer knows, or in the ordinary course of its business, ought to know

       n that is common knowledge.

       Non-disclosure
       If the duty of disclosure is not complied with and the insurer would not have provided the insurance cover on any terms if the failure
       had not occurred, the insurer may void the cover within three years of entering into it. If the non-disclosure is fraudulent, the insurer
       may void the cover at any time. An insurer who is entitled to void insurance cover may, within three years of entering into it, elect not
       to void it but to reduce the sum 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. The duty of disclosure continues until the insurer
       accepts (or declines) your application and issues confirmation in writing. Please ensure that all applicable questions are fully answered.

       As a member of MTAA Super, you may ask to see the information that insurer holds about you and have it corrected if required.




       Declaration
       I declare the following:

       n I have read and carefully considered the questions in this application and all answers provided are true and correct.

       n I have told the insurer everything I know that could affect its decision to accept my application.

       n I have read the duty of disclosure and understand my obligations as outlined above.

       Furthermore, I acknowledge that:

       n I have read and understood the privacy statements appearing on pages 23 and 24 of the Insurance document. I accept that the
         collection, use and disclosure of my personal information is necessary for the purpose of the administration and maintenance of
         insurance under MTAA Super’s insurance policies.

       n I understand that the insurer, the Fund Administrator and the Trustee will not be able to process my application or administer my
         insurance under the Fund’s insurance policies without this consent.

       n If I do not complete this application correctly, or I do not sign and date this form, my application will be invalid and will not be
         considered by the insurer.

       I authorise any hospital, doctor or other person who has treated or examined me to give to the insurer or any organisation duly appointed
       by them, any information on my illness or injury, medical history, consultation, prescription or treatment or copies of all hospital or medical
       reports. A photocopy of this authorisation is as valid as the original. I agree to provide further medical authorities if requested.




     Member signature

     Date                                   /          /

     This application must be received by MTAA Super within 30 days of the date on which you sign it.
     Return the completed, signed and dated application to: MTAA Super Insurance Services, Locked Bag 15, Haymarket NSW 1236.

     A representative of MetLife Insurance Limited may contact you in regards to your application.




      An Industry
      SuperFund




     Telephone 1300 362 415 Fax 1300 365 142 E-mail mtaasuper@mtaasuper.com.au
     Web www.mtaasuper.com.au Postal Address Locked Bag 15, Haymarket NSW 1236
     Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN 14 008 650 628
     AFSL 238 718 MTAA Superannuation Fund ABN 74 559 365 913 SPIN MTA0100AU




30
ApplicAtion to cHAnGe Your WorKscAle


 If you wish to apply to change your current MTAA Super insurance cover from general to either non-manual or professional cover as well as
 apply for additional insurance cover, you must complete the ‘Application for additional insurance’ form.
 If however, you simply wish to change your existing MTAA Super insurance cover from general to non-manual or professional cover, please
 complete all the sections in this application form.

MTAA Super membership number (if known)

Title                             Miss               Ms                  Mrs                Mr                        Other (please specify)

Given name(s)

Family name

Address

Suburb                                                                                 State/Territory                 Postcode

Telephone (home)

Telephone (work)

Telephone (mobile)

Email

Date of birth                         /         /

Your MTAA Super employer (if applicable)

Present occupation

 Section B – Eligibility to change your workscale

Eligibility for non manual cover

 In order to qualify for the non-manual benefits scale, (if you have unitised cover), for your death-only and death plus TPD cover, and for
 non-manual premiums for fixed cover and income protection cover (if applicable), you must be employed and be able to perform all your
 normal work duties and work your normal hours without restriction due to injury or illness. You must also confirm, by your answers to the
 following questions, 1, 2 and 3 below, that you either work entirely in an office environment, or if you do not, that you do not perform any
 duties of a manual nature, that you do not work in a hazardous environment, and that you do not spend more than 20 percent of your
 working time outside of an office environment. If you have income protection cover, you must also confirm that you are working at least
 15 hours a week on average.

1. Are your occupational duties of a clerical, administrative, management or professional nature and undertaken entirely
   within an office environment, (excluding travel time between offices)?                                                               Yes    No
2. Do you perform any work duties of a manual nature or work within a hazardous environment? Examples of hazardous
   environments include work in a mechanical workshop, work on a factory or warehouse floor, work on a construction
   or mining site, and chemical work in a laboratory.                                                                                   Yes    No
3. Do you spend more than 20 percent of your working time – for example over 8 hours per week in a 40 hour week
   on average – outside an office environment?                                                                                          Yes    No
4. Are you restricted, due to illness or injury from carrying out the identifiable duties of your current and normal occupation
   on a full time basis (even if you are not currently working on a full time basis). Full time basis is considered to be at least
   35 hours per week.                                                                                                                   Yes    No
If you have answered ‘Yes’(1), ‘No’(2), ‘No’(3) and ‘No’(4) to the above questions you are eligible for non-manual cover.
Eligibility for professional cover
In addition to the requirements set out for non-manual cover, please answer the following:
1. Do you hold a tertiary qualification relevant to your current occupation or are you a member of a professional body
   relevant to your current occupation or a member of your organisation’s senior management team?                                       Yes    No
2. Do you work 100% within an office environment and earn $120,000 per annum or more?                                                   Yes    No
If you have answered ‘Yes’ to both of the above questions, you are eligible for professional cover.
These questions relate to all work duties you perform as an employee for all of the employers you work for, or as
a partner in a partnership or a sole trader.

  n Eligibility for non-manual or professional cover is subject to acceptance by the insurer.
  n If accepted, all cover held with MTAA Super will be subject to the appropriate rate – non-manual or professional.
  n If the insurer rejects your application for non-manual or professional cover, you will be advised of the premium scales which apply to
    your cover with MTAA Super.




                                                                                                                                                    31
      Section C – Your duty of disclosure

      Before you become insured under a contract of life insurance, the Trustee has a duty to disclose, under the Insurance Contracts Act 1984.
      In order for the Trustee to comply with this duty, you must disclose in this application form, every matter that you know, or could
      reasonably be expected to know, is relevant to the insurer’s decision whether to accept the risk of the insurance and, if so, on what terms.
      The duty of disclosure also applies before cover is renewed, varied or reinstated.

      The duty does not, however, require disclosure of a matter:

      n that diminishes the risk to be undertaken by the insurer

      n as to which the duty of disclosure is waived by the insurer

      n that the insurer knows, or in the ordinary course of his/her business ought to know

      n that is common knowledge.

      Non-disclosure
      If the duty of disclosure is not complied with and the insurer would not have provided the insurance cover on any terms if that failure had
      not occurred, the insurer may void the cover within three years of entering into it. If the non-disclosure is fraudulent, the insurer may void
      the cover at any time. An insurer who is entitled to void insurance cover 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 had you disclosed all relevant matters to the insurer. The duty of disclosure continues until the insurer accepts (or declines) your
      application and issues confirmation in writing. Please ensure that all applicable questions are answered in full.

      As a member of MTAA Super, you may ask to see the information that the insurer holds about you and have it corrected if required.

      Declaration
      I declare the following:

      n I have read and carefully considered the questions appearing in the section entitled ‘Eligibility to change your workscale’ and all answers
        provided are true and correct;

      n I have told the insurer everything I know that could affect their decision to accept my application.

      n I have read the duty of disclosure and understand my obligations as outlined above.

      Furthermore I acknowledge that if I do not complete this application correctly, or I do not sign and date this form, my application will be
      invalid and will not be considered by the insurer.




     Member signature

     Date                                   /          /

     This application must be received by MTAA Super within 30 days of the date on which you sign it.
     Return the completed, signed and dated application to MTAA Super Insurance Services, Locked Bag 15, Haymarket NSW 1236.




      An Industry
      SuperFund




     Telephone 1300 362 415 Fax 1300 365 142 E-mail mtaasuper@mtaasuper.com.au
     Web www.mtaasuper.com.au Postal Address Locked Bag 15, Haymarket NSW 1236
     Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN 14 008 650 628
     AFSL 238 718 MTAA Superannuation Fund ABN 74 559 365 913 SPIN MTA0100AU




32
MAtcHinG insurAnce cover


 Complete this form if you wish to transfer insurance cover from another provider to MTAA Super. Before completing the
 member details in Section A, please review the health requirements in Section D to check your eligibility for matching cover.
 Death, TPD and income protection cover for MTAA Super is provided under insurance policies issued by MetLife Insurance Limited
 ABN 75 004 274 882 AFSL 238 096.
 Death only or death plus TPD cover
 Should your application be accepted, your cover which is to be matched will be in addition to any current cover with MTAA Super. You will be
 provided cover on a fixed level basis and your transferring cover will be rounded up to the next $1,000 subject to a maximum of $1,000,000.
 Income protection cover
 If your application is accepted, the amount of income protection cover will be replaced by an equivalent number of units (rounded up)
 subject to the maximum transferable insured benefit of $10,000 per month. If the waiting period you have with your current fund is not
 available with MTAA Super, you will be allocated the next highest waiting period available under MTAA Super; for example if your waiting
 period with your current fund is 45 days, you would be allocated a 60 day waiting period with MTAA Super. As MTAA Super offers either a
 2 year, 5 year or to age 65 benefit period, your cover may be rounded down to the next lowest benefit period if your current benefit period
 does not match one of these benefit periods. We will contact you to discuss your options if your current benefit period does not match one
 of these benefit periods or you have current cover with MTAA Super.

 Section A – Member details

MTAA Super membership number (if known)

Title                            Miss                Ms                    Mrs                Mr                         Other (please specify)

Given name(s)

Family name

Address

Suburb                                                                                  State/Territory                   Postcode

Telephone (home)

Telephone (work)

Telephone (mobile)

Email

Date of birth                         /         /

 Section B – Current cover details

Name of current cover provider

Member / Policy Number

1) Please confirm that all of the following statements are true and correct:

  a) The existing cover under my current fund or insurer will be cancelled upon approval from MTAA Super that cover can be transferred.
  b) I will not be transferring the cover under my current fund to any other division/section or to any other fund or insurer, other than
     MTAA Super.
  c) I will not effect a continuation option, or subsequently reinstate cover within my current fund or insurer.

I confirm that all three statements are true and correct and agree to abide by these requirements:                                           Yes       No

 If “No” MTAA Super will be unable to match your existing level of cover.

2) I confirm that my current level and type of cover under my current fund or insurer is as follows:

a) Death Sum Insured to be transferred                                       (please note the maximum total cover that can be transferred is $1,000,000)

b) TPD Sum Insured to be transferred                                         (please note the maximum total cover that can be transferred is $1,000,000)

c) Monthly Income Protection Benefit                              (please note the maximum total cover that can be transferred is $10,000 per month)

d) Income Protection waiting period                       days

e) Income Protection benefit period           2 years            5 years             To age 65             Other

If you are applying to match your income protection cover, what is your annual insurable income (salary)




                                                                                                                                                            33
     3) Is your cover under the current fund or insurer subject to any premium loading, exclusion or restriction in relation
        to any medical condition or other conditions?                                                                                       Yes         No

     If “Yes” please provide full details:




      Please note if you have answered “Yes” to question 3, the insurer will, where possible, provide the same terms and conditions and will provide
      confirmation in writing of the terms to be provided under MTAA Super.


      Section C – Complete this section to apply for additional Death and TPD cover

     I have attached documentary evidence of the above cover – for example a copy of the most recent benefit statement
     or letter from the current fund/insurer confirming the level and type of cover and the acceptance terms.                               Yes         No

      If “No” MTAA Super will be unable to match your existing level of cover.


      Section D – Health questions

     1) Are you restricted, due to illness or injury from carrying out the identifiable duties of your current and normal
        occupation on a full time basis (even if you are not currently working on a full time basis). Full time basis is
        considered to be at least 35 hours per week.                                                                                        Yes         No

     2) Have you ever been paid, or are you eligible to be paid, or have you lodged a claim for a total and permanent
        disablement benefit from MTAA Super, another superannuation fund or under a life insurance policy?                                  Yes         No

     3) Have you been diagnosed with an illness that reduces your life expectancy to less than 3 years?                                     Yes         No

      If you have answered “No” to all of the above questions MTAA Super should be able to match your current cover. However, please wait for
      written confirmation from MTAA Super before taking any action to cancel your current cover. If you answered “Yes” to any of these
      questions MTAA Super will not be able to match your cover but still may be able to offer you cover if you complete an ‘Application for
      additional insurance form.’ Please note an application for additional insurance does not need to be restricted to your current levels of cover.


      Section E – Your duty of disclosure


      Your duty of disclosure
      Before you become insured under a contract of life insurance, the Trustee has a duty to disclose, under the Insurance Contracts Act 1984.

      In order for the Trustee to comply with this duty, you must disclose in this application form, every matter that you could reasonably be
      expected to know, is relevant to the insurer’s decision whether to accept the risk of the insurance and, if so, on what terms. The duty of
      disclosure also applies before cover is renewed, varied or reinstated. The duty does not, however, require disclosure of a matter:

      „   that diminishes the risk to be undertaken by the insurer
      „   as to which compliance with your duty is waived by the insurer
      „   that your insurer knows, or in the ordinary course of its business, ought to know
      „   that is of common knowledge.

      Non-disclosure
      If the duty of disclosure is not complied with and the insurer would not have provided the insurance cover on any terms if the failure had not
      occurred, the insurer may void the cover within three years of entering into it. If the non-disclosure is fraudulent, the insurer may void the
      cover at any time. An insurer who is entitled to void insurance cover 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. The duty of disclosure continues until the insurer accepts (or declines) your
      application and issues confirmation in writing. Please ensure that all applicable questions are fully answered.

      As a member of MTAA Super you may ask to see the information that the insurer holds about you and have it corrected if required.

      Declaration
      I declare the following:

      „ I have read and understood the conditions of cover that include:
        „ I must be able to answer ‘No’ to questions 1, 2 and 3 in Section D of this application.
        „ I must provide documentary evidence of my insurance cover with my current insurer or fund.
      „ I have read and carefully considered the questions and statements in Section B of this application and I undertake to abide by these
        requirements. All answers provided are true and correct.
      „ I have read and understood the duty of disclosure and non-disclosure sections above and I have not withheld any information that might
        affect the insurer’s decision as to whether or not to accept my application for cover and on what terms.

      Furthermore I acknowledge that if I do not complete this application form correctly, or I do not sign and date the form, I will not be eligible to
      replace my existing cover with my current insurer or fund within MTAA Super.




34
 If the insurer accepts my application, the level of cover I have with my current insurer or fund will be replaced with:

        „      fixed cover for death-only or death plus TPD cover (rounded up to the next $1,000) as applicable to a maximum total of $1,000,000.
               This will be in addition to my current cover with MTAA Super, provided that my total cover does not exceed the maximum allowable
               by MTAA Super.
        „      units of income protection cover sufficient to replace the level of cover I had with my current fund or 75 percent of my current gross
               annual salary, (plus up to an additional 10 per cent of salary for superannuation contributions, if applicable) whichever is lesser, up to a
               maximum monthly benefit total of $10,000.

 I also acknowledge the following:

 „ Once I am allocated cover under MTAA Super, my future cover will be governed by the terms of the MTAA Super insurance arrangements,
   regardless of the basis of cover that applied under my former fund.
 „ My replacement cover will commence at the earlier of the following events:
   „ the date of the first employer contribution being received after the Matching insurance cover is approved;
   „ the date the Matching insurance cover form is received and my MTAA Super account is greater than zero;
   „ the date of receipt of the first personal contribution after the Matching insurance cover form is approved;
   „ the date of exit from the Fund for which cover is being matched occurs subject to approval of the Matching insurance cover application.

 „ MTAA Super and the insurer may make inquiries to verify the answers I have provided. These inquiries can be made at any time including
   when MTAA Super and the insurer are considering this application or at the time of any claim that I may make.
 „ Should it become apparent to MTAA Super or the insurer that I have not fulfilled the requirements that I confirmed in Section B, any
   insured benefit payable to me or my estate from MTAA Super might, as a consequence of my failure to abide by the conditions, be reduced
   by the insured amount paid or payable by the other insurer or fund, an associated section or division of that insurer or fund, or any policy
   issued under any option I exercised. However, this will not affect the payment of benefits under any insurance cover I had with MTAA Super
   before my application for matching insurance cover was accepted.



Member signature

Date                                      /          /

Please return the completed, signed and dated form to MTAA Super, Locked Bag 15, Haymarket NSW 1236




 An Industry
 SuperFund




Telephone 1300 362 415 Fax 1300 365 142 E-mail mtaasuper@mtaasuper.com.au
Web www.mtaasuper.com.au Postal Address Locked Bag 15, Haymarket NSW 1236
Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN 14 008 650 628
AFSL 238 718 MTAA Superannuation Fund ABN 74 559 365 913 SPIN MTA0100AU




                                                                                                                                                              35
     This page is intentionally left blank.




36
APPLICATION TO INCREASE INSURANCE COVER ON
jOINING (EMPLOYER SUPPORTED MEMBERS ONLY)

Section A – Member details

MTAA Super membership number (if known)

Title                             Miss                Ms                Mrs                Mr                          Other (please specify)

Given name(s)

Family name

Address

Suburb                                                                                  State/Territory                 Postcode

Telephone (home)

Telephone (work)

Telephone (mobile)

Email

Date of birth                         /          /

 Please read the Insurance document before completing this form. All eligible new members will receive a default amount of insurance cover as per
 the below table:

   Your age next birthday
                                          Death Units – General Scale          TPD Units – General Scale           Cost of Cover ($0.50 per unit)
  when you join MTAA Super
                16-21                                   1                                     5                             $3.00 per week
                22-26                                   3                                     5                             $4.00 per week
                27-70                                   6                                     6                             $6.00 per week

Section B – Additional insurance cover

 Complete this section if you are an employer-supported member joining MTAA Super for the first time and wish to apply for additional
 insurance cover for death, Total and Permanent Disablement (TPD) and Income Protection cover.
 In order for you to be eligible this application must be received by MTAA Super within six months of the date on which you
 commenced employment with your employer.
1) Are you restricted, due to illness or injury from carrying out the identifiable duties of your current and normal occupation
   on a full time basis (even if you are not currently working on a full time basis). Full time basis is considered to be at least
   35 hours per week.                                                                                                                    Yes        No
2) Have you ever been paid, or are you eligible to be paid, or have you lodged a claim for a total and permanent
   disablement benefit from MTAA Super, another superannuation fund or under a life insurance policy?                                    Yes        No
3) Have you been diagnosed with an illness that reduces your life expectancy to less than 3 years?                                       Yes        No
If you have answered “No” to all questions above and you have met all other eligibility criteria. You are able to select cover up to
the following Automatic Acceptance Levels.
 Age Next Birthday         Death & TPD Cover                General Income               Non Manual Income              Professional Income
                                                            Protection Cover             Protection Cover*              Protection Cover*
 16 to 55                  $800,000                         $8,000 per month             $10,000 per month              $12,000 per month
 56                        $340,560                         $8,000 per month             $10,000 per month              $12,000 per month
 57                        $297,000                         $8,000 per month             $10,000 per month              $12,000 per month
 58                        $261,360                         $8,000 per month             $10,000 per month              $12,000 per month
 59                        $237,600                         $8,000 per month             $10,000 per month              $12,000 per month
 60                        $210,600                         $8,000 per month             $10,000 per month              $12,000 per month
 61                        $198,000                         $8,000 per month             $10,000 per month              $12,000 per month
 62                        $186,120                         $8,000 per month             $10,000 per month              $12,000 per month
 63                        $174,600                         $8,000 per month             $10,000 per month              $12,000 per month
 64                        $158,400                         $8,000 per month             $10,000 per month              $12,000 per month
 65                        $146,520                         $8,000 per month             $10,000 per month              $12,000 per month
 66 – 70                   Default Cover                    $8,000 per month             $10,000 per month              $12,000 per month
* you must apply for Professional or Non Manual rates in order to be eligible for these rates.



                                                                                                                                                         37
     Section C – Death and TPD Cover
     Please indicate the total Death and TPD cover you require:

         Type of cover                     Total Amount of Cover required                                          Type of Cover
         (please circle)                         (multiples of $1,000)                                             (please circle)

               Death                                                                                              Unitised / Fixed
                                                                                                        (If you selected unitised, your cover
               TPD                                                                                      will be rounded up to nearest unit)


     Section D – Income Protection Cover
     Please indicate the total level of Income Protection cover you require:

     What is your salary? $

     How much Income Protection cover would you like? (maximum of 85% of salary):

         75% salary + 10% Super Contribution (rounded up to nearest unit)

         75% salary only (rounded up to nearest unit)

          Other amount - please advise number of units required

      Income Protection units are $250 per month

     What Waiting Period would you like?

         30 days            60 days        90 days

     What Benefit Period would you like?

         2 Year             5 Year

     Do you work on average more than 15 hours per week?

         Yes           No (you are not eligible for income protection cover)

      You will receive written confirmation of your cover from MTAA Super.

     Section E – Your duty of disclosure

      Before you become insured under a contract of life insurance, the Trustee has a duty to disclose under the Insurance Contracts Act 1984.
      In order for the Trustee to comply with this requirement, you must disclose in the space provided below every matter that you know, or could
      reasonably be expected to know, is relevant to the insurer’s decision whether to accept the risk of the insurance and, if so, on what terms.
      The duty of disclosure also applies before cover is renewed, varied or reinstated.

      It does not, however, require disclosure of a matter:

      n that diminishes the risk to be undertaken by the insurer
      n that is common knowledge
      n that the insurer knows or, in the ordinary course of its business, ought to know
      n as to which the duty of disclosure is waived by the insurer.

      If the duty of disclosure is not complied with and the insurer would not have provided the insurance cover on any terms if the failure had
      not occurred, the insurer may void the cover within three years of entering into it. If the non-disclosure is fraudulent, the insurer may void
      the cover at any time. An insurer who is entitled to void insurance cover may, within three years of entering into it, elect not to void it but to
      reduce the sum you have been insured for, in accordance with a formula that takes into account the premium that would have been payable
      had you disclosed all relevant matters to the insurer. The duty of disclosure continues until the insurer accepts (or declines) your application
      and confirmation is issued in writing. Please ensure that all applicable questions are fully answered.

      As a member of MTAA Super, you may ask to see the information the insurer holds about you and have it corrected if necessary.




38
Section F – Acknowledgment and signature

 This form must be signed and dated.

 I hereby:

 n apply to the Trustee for admission as a member of MTAA Super under the terms and conditions in the Trust Deed by which the
   Fund was established
 n acknowledge having received and read and understood the MTAA Super Member Product Disclosure Statement and acknowledge that
   the Trust Deed prevails if there is an inconsistency with the Member Product Disclosure Statement.
 n acknowledge that the Trustee cannot provide me with advice about my benefits, investments, insurance and any taxation implications that
   takes into account my personal circumstances and that I should speak to an appropriately qualified adviser if I require such advice
 n acknowledge that the Trustee may be required under taxation and superannuation legislation to deduct additional tax from my benefits
   and refuse or refund contributions made by or on my behalf and, in doing so, may make any adjustments to my account it considers
   necessary or appropriate
 n acknowledge that the Trustee does not guarantee my investment in MTAA Super
 n acknowledge having read and understood the privacy statements in the MTAA Super Member Product Disclosure Statement and consent
   to my personal information being collected and used in accordance with these
 n declare that I have read and carefully considered all questions and that the answers I have provided are true and correct
 n declare that I have read and understood the duty of disclosure section and have not withheld any statement that could affect the insurer’s
   decision whether to accept my application for cover
 n acknowledge that, if I do not complete this application correctly or I do not sign and date this form, my application for cover above the
   default level of cover will be invalid and will not be considered by the insurer.




Member signature

Date                                   /          /

Please return the completed, signed and dated form to MTAA Super, Locked Bag 15, Haymarket NSW 1236




 An Industry
 SuperFund




Telephone 1300 362 415 Fax 1300 365 142 E-mail mtaasuper@mtaasuper.com.au
Web www.mtaasuper.com.au Postal Address Locked Bag 15, Haymarket NSW 1236
Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN 14 008 650 628
AFSL 238 718 MTAA Superannuation Fund ABN 74 559 365 913 SPIN MTA0100AU




                                                                                                                                                39
      An Industry
      SuperFund




     Telephone 1300 362 415 Fax 1300 365 142 E-mail mtaasuper@mtaasuper.com.au
     Web www.mtaasuper.com.au Postal Address Locked Bag 15, Haymarket NSW 1236
     Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN 14 008 650 628
     AFSL 238 718 MTAA Superannuation Fund ABN 74 559 365 913 SPIN MTA0100AU


        The information provided in this document is general only and does not take into
        account your personal financial situation or needs. You should therefore consider
        obtaining financial advice that is tailored to your personal circumstances from a
        licensed financial adviser.



40                                                                                                   5478-07/12

				
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