CS 2022 Unisuper Insurance PDS

Insurance
in your super
1 November 2021
The information in this document forms part of the following

Product Disclosure Statements (as supplemented from
time to time):
> UniSuper Accumulation 1 Product Disclosure Statement
issued on 1 November 2021
> UniSuper Defined Benefit Division and Accumulation 2
Product Disclosure Statement issued on 1 November 2021
> UniSuper Personal Account Product Disclosure Statement
issued on 1 November 2021
Contents
ABOUT THIS DOCUMENT Introduction 1
This document has been prepared and issued by Types of cover 2
UniSuper Limited. It includes information about Ceasing insurance 8
insurance, including how to apply for cover, the
level and type of cover available, the cost of Insurance premiums 10
cover, eligibility and opting out of cover, relevant Eligibility requirements 15
definitions and other terms and conditions
When does cover commence? 17
including, but not limited to, any exclusions that
may apply and may affect your entitlement to Transferring between products 19
insurance cover. It should be read in conjunction When else can you get cover? 23
with the product disclosure statement (PDS) that
Exclusions and special conditions 28
applies to your UniSuper product.
How to make a claim 32
Information in this document may change from
time to time. We’ll provide updates of any changes How and when your benefit is paid 33
at unisuper.com.au/pds. You can also request a Definitions 35
paper or electronic copy of updated information
without charge by calling 1800 331 685. AWARD-WINNING FUND
UniSuper, ABN 91 385 943 850, MySuper Super is what we do, so we love that we’re recognised as one of
Authorisation Number 91385943850448 is Australia’s best super funds. We’ve won a string of awards and
referred to as ‘UniSuper’ or ‘the Fund’. UniSuper high ratings for our investment performance*, value and services
Limited, ABN 54 006 027 121, AFSL No. 492806,
from the country’s top ratings and research agencies.
is referred to as ‘USL’ or the ‘Trustee’. UniSuper
Management Pty Ltd, ABN 91 006 961 799, * Past performance is not an indicator of future performance.
AFSL No. 235907, is referred to as ‘UniSuper
Management’ or ‘USM’. USL has delegated
administration of UniSuper to USM, which is
wholly owned by USL in its capacity as UniSuper’s
trustee. UniSuper Advice is operated by USM,
which is licensed to deal in financial products UniSuper was awarded ‘Best Fund: Advice Services’ in 2020 and Pension Fund of the Year
and provide financial advice. UniSuper Advice in 2021. Our accumulation and pension products consistently receive a 5 Apples rating
from Chant West - the highest quality fund rating. Full details regarding the ratings and
financial advisers are employees of USM. They are
awards and Chant West’s Financial Services Guide are available at www.chantwest.com.au
remunerated by way of a base salary and potential © Zenith CW Pty Ltd ABN 20639121403 (Chant West), AR of Zenith Investment Partners
bonuses. External insurance cover is provided Pty Ltd ABN 27103132672, AFSL 226872/AFS Rep No. 1280401. Criteria used by Chant
to UniSuper through group insurance policies West to judge its awards is subjective and has been determined based on data supplied by
the Trustee has taken out with TAL Life Limited, third parties. While such information is believed to be accurate, Chant West do not accept
ABN 70 050 109 450, AFSL No. 237848 (referred responsibility for inaccuracies in such data. Chant West do not make any representation or
to as our ‘Insurer’ throughout this document). give any guarantee or assurance as to the performance or success of any financial product
based on the subjective ratings provided. Past performance is not a reliable indicator of
This PDS assumes that the taxable component future performance. The Chant West awards do not constitute financial product advice,
of any super benefits paid to you includes only a however, to extent the awards are considered to be advice, it is General Advice only and
taxed element. It also assumes you’re an Australian does not take into account your objectives, financial situation or needs, including target
resident for income tax. markets of financial products, where applicable. You should consider the suitability of any
advice against your personal circumstances. Awards may not be reproduced, modified or
The information in this document is of a general distributed. Except for any liability which cannot be excluded, Chant West do not accept
nature only and does not take into account your any liability whether direct or indirect, arising from use of the awards. Awards displayed for
individual objectives, financial situation or needs. previous years are for historical purposes only. Full details regarding the awards and Chant
You should consider the appropriateness of West’s FSG are available at www.chantwest.com.au.
the information having regard to your personal
circumstances and consider consulting a qualified
financial adviser before making a decision based
on information contained in this document. To the 2021
extent that this document contains any information SuperRatings, a superannuation research company, has awarded UniSuper ‘MySuper of the
which is inconsistent with the UniSuper Trust Deed Year’ for 2021, and a Platinum Choice rating for our accumulation products, something only
and Regulations (together, ‘the Trust Deed’) the the ‘best value for money’ funds receive. Our accumulation products have also achieved
Trust Deed will prevail. a 15-year Platinum Performance rating. For full details about its rating criteria, go to www.
superratings.com.au. The ratings are issued by SuperRatings Pty Ltd ABN 95 100 192 283
USM, SuperRatings Pty Ltd and Chant West Pty Ltd AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared
have consented to their logo and/or statements without taking account of your objectives, financial situation or needs. Consider your personal
being included in this document, in the form and circumstances, read the product disclosure statement and seek independent financial advice
context in which they have been included, and before investing. The rating is not a recommendation to purchase, sell or hold any product.
consent has not been withdrawn as at the date of Past performance information is not indicative of future performance. Ratings are subject to
this document. change without notice and SuperRatings assumes no obligation to update. SuperRatings uses
objective criteria and receives a fee for publishing awards. Visit www.superratings.com.au for
© UniSuper Limited 2021 ratings information and to access the full report. © 2021 SuperRatings. All rights reserved.
1
Introduction
Who provides insurance to Who should read this
UniSuper members? document?
External insurance cover is provided to UniSuper This document provides detailed information about
Accumulation 1, Accumulation 2, Defined Benefit Division the insurance options available to eligible:
(DBD) and Personal Account members through group • Accumulation 1 members
insurance policies the Trustee has taken out with TAL • Accumulation 2 members
Life Limited, ABN 70 050 109 450, AFSL No. 237848 • Personal Account members, and
(referred to as our ‘Insurer’ throughout this document). • DBD members.
This document describes the main features of DBD members also receive ‘inbuilt benefits’. These are
insurance cover provided by our Insurer, including a benefits that are provided by UniSuper. This document
summary of the key terms and conditions and eligibility only includes limited information about inbuilt benefits
criteria. You can obtain a copy of the group insurance provided to DBD members.
policies by calling us.
For more information about inbuilt benefits, visit
The full terms and conditions contained in the unisuper.com.au/pds and refer to the Defined Benefit
insurance policies prevail over any inconsistent Division and Accumulation 2 PDS.
information in this document.
Definitions
The terms which appear in italics are defined
in the policy documents. We’ve included
some of the more commonly used terms
in the ‘Definitions’ section at the end of
this document.
2
Types of cover
Types of cover available DEATH COVER (INCLUDING TERMINAL
ILLNESS COVER)
The insurance cover available to eligible UniSuper Death cover provides a lump sum payment in the event
members is: of your death or if you’re diagnosed with a terminal
• Death cover illness. Your beneficiaries and/or your estate will
• Total and Permanent Disablement (TPD) cover, and receive your benefit if you die. You’ll receive an insured
• Income Protection cover (not available to terminal illness benefit if you’re diagnosed with a
DBD members). terminal illness and satisfy any other applicable criteria.
Our intention in providing Death, TPD and Income There’s no limit on the amount of Death cover
Protection cover to our members is so that they, or you can apply for.
their families, can continue to meet their financial
obligations if they aren’t able to work due to death, Your terminal illness benefit aligns with your Death
injury or illness. cover, although it has a maximum cover limit of
$3 million. If a terminal illness benefit is paid and
We recognise that everyone’s situation is different, the Death cover is higher, the remaining Death
so we offer options to tailor your cover to meet benefit is payable on death.
your needs.
Death cover ceases at age 75.
In practice, this means that if you’re injured or get so sick
(physically or mentally) that you aren’t able to work— TPD COVER
and the injury happened or illness commenced during
TPD cover provides a lump sum payment if you become
the period that you have cover (i.e. after your cover
totally and permanently disabled due to an illness or
commenced and before it ceased and your premiums
injury and you satisfy any other applicable criteria.
have been paid)—then you may be able to claim a benefit.
The maximum amount of TPD cover you can apply
There are different criteria you have to meet to be
for is $3 million.
eligible for TPD or Income Protection benefits, and these
are outlined in this document. However, generally, to TPD cover ceases at age 70.
be eligible to claim a TPD benefit you must be so ill or
injured that:
• you’re unlikely to do your job again, or one that INCOME PROTECTION COVER
you’re qualified to do, or Not available to DBD members
• if you weren’t in employment but doing domestic
Income Protection cover gives you a monthly payment
duties, you’re unable, and unlikely again, to do them
up to a specific period if you’re assessed as temporarily
or return to employment that you’re qualified for, or
unable to do your job because you suffer from a
• you’ve suffered a loss of limbs and/or sight.
disability. You can choose a payment period of two
Generally, you can claim an Income Protection benefit years, five years or until the age of 65.*
if you’re so ill or injured that you’ve been off work and
The maximum amount of cover you can apply for
you still can’t do all or some of your usual work duties.
is 69 units or $29,900 per month.
If you’re a DBD member, you’ll generally be eligible
Income Protection cover ceases at age 65.
for inbuilt benefits (like insurance but provided by
UniSuper) that can provide:
• a lump sum payment on your death or if you’re
diagnosed with a terminal medical condition, and
• an income stream in the event of disablement or
temporary incapacity.
* Some restrictions may apply to Personal Account members. See page 15 for details.
Insurance in your super 3
TYPES OF COVER
You can also opt out of automatically receiving default

cover (i.e. before you ever receive it). However, if you
Eligibility for cover later wish to have cover, you’ll have to apply for it and
Restrictions, exclusions, terms and conditions provide health evidence that satisfies our Insurer. You
may apply to all types of cover, including can opt-out of default cover before it commences by
default and additional default cover. In order completing the Changing your insurance cover form
to be eligible for cover, you must satisfy available at unisuper.com.au/forms.
certain policy terms and conditions. See page
When you receive default cover
28 for more information.
Eligible members may receive default cover either when
joining UniSuper or after meeting certain conditions,
provided they haven’t previously applied for, opted out
of, or received, default cover.
DEFAULT COVER
Default cover is insurance cover you may receive from To find out if you’re eligible for default cover, read the
our Insurer (provided you meet the eligibility criteria) ‘Eligibility requirements’ section on page 15.
without needing to provide any evidence of your health.
You may receive default cover automatically, or you If eligible and you join UniSuper as:
may need to elect to receive it.
• an Accumulation 1 member
Default cover is: – automatically: if we receive an employer
• one unit of Death and TPD cover for members contribution and you’re aged 25 or over and have
aged 14 to 69 an account balance of at least $6,000, you will
• one unit of Death-only cover for members automatically receive default cover.
aged 70 to 74. – by election: you can elect to receive default
cover within 180 days of the date you’re first
The table on page 5 outlines the amount of Death eligible to join UniSuper, even if you’re under
and TPD cover you receive per unit. Default cover age 25 or you don’t have at least $6,000 in your
is not provided to members aged 75 and over, or for account. However, the earliest your default cover
members aged under 14. will commence is when we receive your next
employer contribution, provided we receive it
If you receive default cover, you can cancel your default within 180 days of your election.
cover or choose to reduce your Death and TPD cover
• a DBD member – you’ll generally receive default
to Death-only or TPD-only cover by:
cover when you join the DBD. If you choose to
• logging in to your account at unisuper.com.au transfer to Accumulation 2, your default cover will
• completing the Changing your insurance cover form generally continue provided you are over 25 and
available at unisuper.com.au/forms , or have at least $6,000 in your account.
• writing to us. • a Personal Account member – you can elect to
However, if you cancel your cover and wish to take receive default cover during the application process.
up cover at a later date, you’ll need to apply for it and
provide health evidence that satisfies our Insurer.
DEFAULT COVER YOU MAY BE ELIGIBLE FOR1
Product Default cover you may be eligible for
Accumulation 1 One unit of Death and TPD cover.
Personal Account One unit of Death and TPD cover.
DBD When you join the DBD for the first time, you’ll generally receive one unit of Death and
TPD cover, provided you haven’t already received, applied for, or opted out of receiving
default cover.
If you then transfer to Accumulation 1 or Accumulation 2, your default cover

will continue if you’re aged 25 or over and have an account balance of $6,000 or more.
If you don’t meet these criteria, you’ll need to tell us you want your default cover
to continue before you transfer, or we’ll cancel your cover.
Eligible DBD members transferring to Accumulation 2 may also elect to receive ‘transitioned
cover’. For information on transitioned cover, read the What happens to your inbuilt benefits if
you choose Accumulation 2? document.
1
If you join UniSuper as a result of a Family Law split, you aren’t eligible to receive default cover.
4 1800 331 685
UNISUPER.COM.AU
Additional default cover You can elect additional default cover by completing the
Not available if you join UniSuper as a Personal relevant section of the Changing your default options form
for your product or by visiting unisuper.com.au/forms
Account member.
and completing the Application for additional default
If you’re eligible and you elect, or automatically receive, insurance form.
default cover, you can elect to increase your amount
of default cover by up to two additional units without TRANSITIONED COVER
providing evidence of your health to our Insurer. If you’re eligible, you can elect to receive Death, TPD
This is called ‘additional default cover’. and Income Protection cover (‘transitioned cover’)
when you transfer from the DBD to Accumulation 2.
If you elect to receive default cover and you also want
additional default cover, you must elect to receive both
at the same time. ADDITIONAL COVER
Additional cover (as distinct from ’additional default
If you receive default cover automatically, you’ll have
cover‘) refers to any insurance for which you apply and
180 days from the date your default cover commences
go through underwriting (i.e. provide health evidence
to elect additional default cover.
that satisfies our Insurer). You can apply for additional
If you automatically receive default cover and you cover if you don’t have cover or would like to increase
choose to change your default Death and TPD cover your cover.
to Death only or TPD-only cover, any additional default
cover will also be Death-only or TPD-only cover
as applicable.
PRODUCT 1 HOW YOU RECEIVE DEFAULT COVER WHEN WE MUST RECEIVE YOUR
ELECTION FOR ADDITIONAL
DEFAULT COVER
Accumulation 1 (under age 25 or with By election (provided it’s received At the same time as electing
an account balance under $6,000) within 180 days of joining). default cover.
Accumulation 1 (age 25 or over and Automatically when we receive an Within 180 days of the date your
with an account balance over $6,000) employer contribution once you are default cover commences.
aged 25 or over and you have an
account balance of $6,000 or more.
Personal Account By election when you apply. You’re ineligible for additional
default cover.1
DBD/Accumulation 2 Automatically when you join Within 180 days of the date your
the DBD. 2 default cover commences.
1
If you join UniSuper as a Personal Account member and you transfer to another product, you will still not be eligible for additional default cover.
2
Unless you reduce your default member contributions when you join, in which case you must elect default cover, and additional criteria apply.
You can find more information about this on page 17.
TYPES OF COVER
HOW DEATH AND TPD COVER IS PROVIDED:

UNITISED OR FIXED COVER
Your duty to take reasonable care Death and TPD cover is provided as unitised cover
If you apply for life insurance, you will be by default, but you can choose to convert this to fixed
treated as if you are applying for cover cover. You can’t have a combination of both fixed and
under an individual consumer insurance unitised Death and/or TPD insurance. Here’s how both
contract. The Insurer will conduct a options work.
process called underwriting. It’s how it Unitised cover
decides whether it can cover you, and if
so on what terms and at what cost. Unitised cover means the cost of each unit of cover
stays the same over time but the amount of cover you
As part of underwriting, the Insurer get for each unit reduces as you get older. The table
will ask questions it needs to know the below shows the amount of Death and TPD cover
answers to. These will be about your provided by one unit of cover, depending on your age:
personal circumstances, such as your
health and medical history, occupation,
DEATH AND TPD BENEFIT PER UNIT OF COVER1
income, lifestyle, pastimes, and current
and past insurance. Age Amount Age Amount
of cover ($) of cover ($)
The information you provide in response
to those questions will be vital to the 15–34 232,000 55 28,000
Insurer’s decision. As such, when
35 222,000 56 26,000
applying for life insurance you have a
legal duty to take reasonable care not to 36 211,000 57 24,000
make a misrepresentation to the Insurer. 37 196,000 58 22,500
A misrepresentation is a false answer,
an answer that is only partially true, or 38 181,000 59 21,000
an answer which does not fairly reflect 39 164,000 60 19,000
the truth.
40 149,000 61 17,000
This duty also applies when extending or
making changes to existing insurance, and 41 134,000 62 15,000
reinstating insurance. 42 120,000 63 14,000
If you do not meet your legal duty, this can 43 105,000 64 13,000
have serious impacts on your insurance.
Your cover could be avoided (treated as 44 94,000 65 11,500
if it never existed), or its terms may be 45 85,000 66 10,000
changed. This may also result in a claim
being declined or a benefit being reduced. 46 77,000 67 9,000
Whether the Insurer can exercise one of 47 68,000 68 8,000
these remedies depends on a number of
factors, including: 48 62,000 69 7,000
• whether reasonable care was taken 49 55,000 70 6,0002
not to make a misrepresentation.
This depends on all of the relevant 50 49,000 71 5,0002
circumstances. 51 45,000 72 4,0002
• what the Insurer would have done if
the duty had been met - for example, 52 40,000 73 3,2002
whether it would have offered cover, 53 36,000 74 2,5002
and if so, on what terms
• whether the misrepresentation was 54 32,000 75 and 0
fraudulent; and over
• in some cases, how long it has been 1
There’s no cover for TPD where Death-only cover is selected.
since the cover started. Conversely, there is no Death cover when TPD-only cover is selected.
2
Death-only paid; no TPD benefit is payable.
Before any of these remedies are
exercised, the Insurer will explain the The cost of unitised cover (premium tables) can be found
reasons for its decision, how to respond in the ‘Insurance premiums’ section on page 10.
and provide further information, and what
you can do if you disagree.
6 1800 331 685
UNISUPER.COM.AU
HOW INCOME PROTECTION COVER IS PROVIDED

Income Protection cover is provided as unitised cover
Unitised cover: an example and provides a monthly benefit if you’re assessed
If you had one unit of Death and TPD under the policy as being unable to work because
cover and your age is 51, you’d be covered you are disabled. Income Protection cover is provided
for a lump sum of $45,000, subject to in multiples of $100 per week ($433 per month).
meeting eligibility criteria and any cover
The cost of cover depends on your age, the waiting
restrictions which may apply.
period (30, 60 or 90 days) and the benefit period
(two years, five years, or to age 65) that you choose.*
Premium loadings may also apply on cover for which
you’ve provided health evidence to our Insurer.
Fixed cover
Refer to page 10 for more on the cost of cover.
Fixed cover means that the cost of cover increases over
time but the amount of cover you get stays the same Any variation to your benefit period or waiting period
until you turn age 61. changes the premiums you pay for Income Protection
cover. See the Income Protection premium tables on
What to know about fixed cover: page 13 for more information.
• You can convert your unitised Death and TPD cover
to fixed cover at any time, provided you’re under age The maximum income protection benefit you can
61. Once you’ve converted to fixed cover, you’re not receive is 85% of your pre-disability income. It’s up
able to convert back to unitised cover. to you to ensure your cover is appropriate for your
• Fixed cover is offered in multiples of $1,000. income, and that you aren’t paying for insurance you
• If you have fixed cover, while your death benefit won’t be able to use. (For example, if you lost your job
does not change, your TPD sum insured will reduce but continued to be a UniSuper member, over time,
annually from your 61st birthday as follows: your pre-disability income would reduce to zero, at
which point no income protection benefit would be
AGE DEATH BENEFIT TPD BENEFIT payable in the event of a claim).
61 100% 90% If you make a claim and it’s accepted, you’ll receive
62 100% 80% a monthly benefit that is the lesser of:
• the amount represented by the number of units
63 100% 70% our Insurer last accepted for you, and
64 100% 60% • 85% of your monthly pre-disability income
including up to 10% paid as a super contribution).
65 100% 50%
66 100% 40% The maximum that can be purchased under the policy
is $29,900 per month (69 units of cover).
67 100% 30%
If your Income Protection cover ceases, you’ll need to
68 100% 20%
re-apply (and provide health evidence to our Insurer)
69 100% 10% to have cover again.
70–74 100% Nil
DBD members can’t receive Income Protection cover.
75 Nil Nil DBD members are generally provided with inbuilt
benefits. Refer to the Defined Benefit Division and
The cost of fixed cover can be found on page 13. Accumulation 2 PDS for details.
* Personal Account members with an occupation rating of ‘Heavy manual’ or ‘Special risk’ can only apply for a two year benefit period.
See page 15 for more details.
Types of cover
INCOME PROTECTION YOU CAN ELECT TO RECEIVE

WITHOUT UNDERWRITING
Income Protection cover:
Product Scenario
an example
Accumulation 1 Members who are under age 65 Peter has a salary of $80,000 p.a. and has
and Personal can generally apply for up to 23 14 units of Income Protection cover. His
Account units of Income Protection cover 14 units of cover will provide a maximum
without providing health evidence monthly benefit of $6,066.67 (14 units x
when joining UniSuper. $100 x 52 weeks ÷ 12 months).
The amount of cover you can get However, Peter’s monthly benefit would be
is the lesser of 23 units per month limited to $5,666.67 ($80,000 x 85% ÷ 12
and the number of units which months), as his benefit can’t exceed 85%
equates to 85% of your salary. of his pre-disability income.
Income Protection cover elected Peter’s $5,666.67 monthly benefit,
will have a waiting period of 90 including his super contribution, would be
days and a benefit period of made up of the following:
two years.
Accumulation 2 Members who are under age INCOME + SUPER = TOTAL
64 and 9 months can elect CONTRIBUTION PAYMENT
to receive cover that includes
$80,000 $80,000 $80,000
Income Protection cover when
x (75%÷12 x (10%÷12 x (85%÷12
transferring from the DBD,
months) months) months)
without providing medical
evidence. This is known as $5,000.00 $666.67 $5,666.67
transitioned cover – read
page 18 for more information.
Transitioned Income Protection

cover will have a waiting period
of 90 days and a benefit period
of five years.
Income Protection cover can have a waiting period of

30, 60 or 90 days, and a benefit period of two years,
five years or to age 65. The waiting period and benefit
period you have will have an effect on your premium.
See the Income Protection cover premium tables on
page 13.
To increase your benefit period or decrease your

waiting period, you’ll need to apply and provide health
evidence that satisfies our Insurer.
8
Ceasing insurance
Not receiving regular To opt out of having cover automatically applied to your
account in future (even if your UniSuper account closes
contributions? and you re-join at a later date with the same member
number), visit unisuper.com.au/forms and complete
We’ll automatically cancel your insurance if your
the Changing your insurance cover form.
account hasn’t received a contribution or a rollover
(from transferring your super to UniSuper from another DBD members can’t cancel or change inbuilt benefits.
fund) for 16 consecutive months. We’ll contact you
if you’re at risk of this happening.
When else does cover cease?
You can prevent your insurance from being
cancelled by making regular contributions, or by Insurance cover will also cease on any of these events:
instructing us to continue your insurance by visiting • you cease to be a UniSuper member
unisuper.com.au/forms and completing the Electing • you cease to satisfy the eligibility conditions
to keep your insurance form. • you reach the cover cessation age
• your account has insufficient funds to pay the
If we cancel your cover for the above reasons and you’d insurance premiums when due
like it reinstated, you can do this within 90 days of your • you join the armed forces of any country (the
cover ceasing (see page 9 for more details). If you Australian Defence Force Reserve is excluded for
don’t elect to reinstate your cancelled cover and later this purpose)
decide that you want cover, you’ll need to apply for • you cease to satisfy the relevant conditions
cover and provide evidence of your health that satisfies for continuation of cover while on employer
our Insurer. approved leave
• we terminate the policy with our Insurer
• you transfer from the DBD to Accumulation 1 or
Reducing, cancelling Accumulation 2 when aged under 25 years, or you
and opting out have an account balance of less than $6,000, and
have not elected to receive or keep your default
You can reduce or cancel your cover at any time. cover, or
The change to your cover will take effect from the date • you die.
we receive notice, either through your online account
or in writing.
DEATH AND TPD COVER
To reduce or cancel your cover: Death and TPD cover also ceases on the earliest of the
• log in to your online account and go to the following circumstances:
‘Insurance’ section, or • our Insurer admits your claim for a benefit, (unless
• visit unisuper.com.au/forms and complete the it’s a claim for a terminal illness or TPD benefit
Changing your insurance cover form. and you continue to be covered for a residual
death benefit)
You can also opt out of ever having default insurance
• you reach age 70 for TPD cover, or
cover automatically applied to your account (provided
• you reach age 75 for Death (including terminal
your member number doesn’t change). You’ll still be
illness) cover.
able to apply for cover in the future—you’ll just need
to provide health evidence and have it accepted by
our Insurer.
Ceasing insurance
INCOME PROTECTION COVER

Reinstating cancelled cover
Income Protection cover also ceases in the
following circumstances: We can reinstate your cover that ceased because:
• you permanently retire from the workforce • your account had insufficient funds to pay the
• you’ve received Income Protection benefit insurance premiums when due, or
for the full benefit period applicable to your • your account hadn’t received a contribution or a
Income Protection cover, or rollover (from transferring your super to UniSuper
• you reach age 65. from another fund) for 16 consecutive months, or
• your cover is cancelled when transferring
Even if your cover has ceased, in some circumstances, from the DBD to either Accumulation 1 or
you may still be entitled to a benefit if your illness or Accumulation 2 because you are under age 25 or you
injury occurred before the date cover ceased and you have an account balance of less than $6,000.
were a UniSuper member.
Cover that’s reinstated will be the same type and level
If you permanently retire from the workforce, Income that existed before cover was cancelled, with the same
Protection insurance will no longer cover you. Make conditions, restrictions and/or loadings, so it will be
sure you let us know when you’ve permanently retired as though your cover had never ceased.
to cancel your cover—if you don’t, we’ll continue to
deduct insurance premiums. To be eligible for your cover to be reinstated,
you’ll need to meet the following conditions:
• tell us you want your cover reinstated within 90 days
of your cover ceasing
• be in active employment on the date of your request
• have sufficient funds in your account to pay for the
premiums relating to the period where your cover
was cancelled, and
• not be applying for, entitled to, or have not been paid
a TPD or terminal illness type benefit from any super
fund or life insurance policy.
10
Insurance premiums
By obtaining insurance through your super, insurance WHAT’S MY OCCUPATION RATING?
premiums are deducted directly from your accumulation When you join as a Personal Account member and you
account balance each month, so you don’t have to want insurance, you must choose the occupation rating
budget for this cover from your take-home pay. that best fits your usual/primary occupation.
The weekly costs for both fixed cover and unitised To calculate the premium rate applicable to you for
cover are deducted from your account monthly in your age, cover type and cover level (according to the
arrears. The number of weeks in any given month is various types of cover):
based on the number of Fridays in the month. Insurance • use the premium rate tables on pages 13–14
premiums are not fixed and can be expected to change to determine the premiums for the level of each type
from time to time. We’ll inform you in writing of any of cover you have, then
changes to premium rates. • multiply these amounts by the factor for your
occupation rating outlined in the table on the
Any stamp duty payable on insurance is spread across
following page.
all members who have insurance and included in the
rates shown in this document. You can (but don’t need to) let us know of changes
to your occupation rating at any time by visiting
unisuper.com.au/forms and completing the Updating
Occupation ratings and your occupation rating form. Updating your occupation
your premiums rating will change the cost of your cover. If you select an
occupation rating that doesn’t reflect the nature of your
Occupation ratings only apply to Personal usual occupation, and you make a claim, our Insurer
Account members. can retrospectively correct your occupation rating
and this can impact your premiums and cover. If you
The type of work you do determines your occupation
apply to change your insurance cover, you may need to
rating. Some jobs are riskier than others, so they cost
confirm your occupation rating.
more to insure. We have four occupation ratings to
reflect different levels of risk.
Our occupation ratings are:

• Professional/office work
• Light manual
• Heavy manual
• Special risk.
Insurance premiums
OCCUPATION RATING
Professional/ • Professional (your work requires a university qualification), administrative, managerial

office work or clerical roles
• No regular manual work
• Your work doesn’t fall into the ‘Special risk’ classification (see below)
Example occupations: Professor/Lecturer, Lawyer/Solicitor, Administrator, Medical doctor,

Book-keeper, IT systems operator, Classroom teacher.
Light manual • Regular light manual work (light weight lifting, carrying or stocking only)
• No regular use of heavy machinery or heavy equipment
Example occupations: Chef, Electrician, Field surveyor, Florist, Retail, Nurse,

Physical Education teacher, Plumber.
Heavy manual • Involves the regular use of heavy machinery or heavy equipment
• Manual labour, such as regularly bending, lifting or carrying heavy loads
• Driving a motor vehicle for most of the day over short distances
Example occupations: Labourer, Bricklayer, Cleaner, Short distance courier/Driver, Farmer,

Gardener/Landscaper, Tailor, Waiter/Waitress.
Special risk • Duties are hazardous (risky or dangerous)

• Hazardous locations or working environments such as long distance driving,
working at heights, underground, at sea, underwater or in an aircraft
• Work in industries that rapidly change or are unpredictable, for example professional
sportspeople, entertainers, creative artists and media personalities
Example occupations: Crane operator, Diver, Shipyard worker, Long distance bus/Truck
driver, Pilot, Actor, Model, Professional sportsperson, Radio/TV presenter, Underground/
Offshore miner, Social media personality.
OCCUPATION RATINGS FACTORS
Cover type Professional/ Light manual Heavy manual Special risk

office work
Death-only cover 1.0 1.3 1.7 2.0
TPD-only cover 1.0 1.5 3.0 5.0
Death and TPD cover 1.0 1.4 2.3 3.0
Income Protection cover 1.0 1.5 2.7 3.5

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Death and TPD cover

If you have Death and TPD cover, the combined Unitised cover
premium will be lower than the sum of the separate
Death-only and TPD-only premiums rates. The DEFINED BENEFIT, ACCUMULATION 1
AND ACCUMULATION 2 MEMBERS
premium rate will be calculated automatically when you
have an equal level of Death and TPD cover, with any Amalia’s 38 and she has one unit of
additional Death or TPD cover calculated at the Death- Death and TPD cover. Based on her age,
only or TPD-only rate as applicable. A discounted she has $181,000 of cover. Her level of
Death and TPD premium will apply whether you have cover will change according to her age.
fixed or unitised cover. She will be paying $2.08 per week (or
$108.16 each year).
To view the amount of unitised cover you get based on
your age, see page 5. Amalia’s insurance premium is deducted
from her accumulation account/
UNITISED COVER component each month. As we receive a
tax deduction for this premium, we credit
Death-only TPD-only Death a tax adjustment back to her account,
and TPD
effectively reducing the amount she pays
Cost per $1.23 $1.08 $2.08 by 15%.
week1,2
PERSONAL ACCOUNT MEMBERS
1
Premiums shown include stamp duty and an administration fee of
6% of the insurance premium charged to cover the costs associated
If Amalia was a Personal Account member
with administering the insurance arrangements. The administration and she was a field surveyor, she would
fee is inclusive of GST and any tax credits that are applicable to have a ‘Light manual’ occupation rating
the Trustee. Insurance premiums are not fixed and can be expected
with an occupation rating factor of 1.4 for
to change from time to time. Members will be given written notice of
any changes. her Death and TPD cover. The cost of her
2
Personal Account members must multiply the cost by the applicable cover would be $2.91 per week ($2.08 x
occupation rating factor. occupation rating factor of 1.4) or $151.42
each year ($2.91 x 52). Her level of cover
will change according to her age.
The premium is deducted from her account

each month. As we receive a tax deduction
for this premium, a tax adjustment is
credited back to her account, effectively
reducing the amount she pays by 15%.
Insurance premiums
FIXED COVER
FIXED COVER ANNUAL PREMIUM RATES1 PER $1,000
The table below shows the annual premium cost per INSURED BENEFIT 1,3
$1,000 of insurance cover.
Age Death- TPD-only Death and
only ($) ($) TPD ($)
FIXED COVER ANNUAL PREMIUM RATES1 PER $1,000
INSURED BENEFIT 1,3 71 12.88 N/A 2 12.882
Age Death- TPD-only Death and

72 16.10 N/A 2 16.102
only ($) ($) TPD ($) 73 20.13 N/A 2 20.132
14–34 0.27 0.24 0.46 74 25.75 N/A 2 25.752
35 0.30 0.25 0.50 1
Premiums shown include stamp duty and an administration fee of
6% of the insurance premium charged to cover the costs associated
36 0.32 0.26 0.53 with administering the insurance arrangements. The administration
37 0.34 0.27 0.55 fee is inclusive of GST and the benefit of any tax credits that are
applicable to the Trustee. Insurance premiums are not fixed and can
38 0.36 0.32 0.61 be expected to change from time to time. We will notify you
in writing of any changes to your insurance cover.
39 0.39 0.35 0.66 2
Death-only paid; no TPD benefit is payable after age 70.
3
Personal Account members must multiply the table rates by the
40 0.43 0.37 0.72
applicable occupation rating factor.
41 0.49 0.43 0.82
42 0.55 0.47 0.92 INCOME PROTECTION COVER
43 0.61 0.54 1.03 Income Protection insurance cover is unitised and is
44 0.71 0.60 1.18 provided in multiples of $433 per month (or $100 per
week) of cover. The premiums are based on your age,
45 0.76 0.66 1.29 the number of units you apply for, the waiting period
46 0.85 0.74 1.44 and the benefit period applicable.
47 0.95 0.83 1.60 Premium tables
48 1.06 0.92 1.77 The following tables show the cost of Income
49 1.17 1.02 1.97 Protection cover for all available waiting periods
and benefit periods.
50 1.32 1.14 2.22
51 1.45 1.26 2.43 ANNUAL PREMIUM1,2 ($) PER UNIT OF INCOME
52 1.63 1.40 2.72 PROTECTION COVER OF $433 PER MONTH
(OR $100 PER WEEK) WITH A 90-DAY WAITING PERIOD
53 1.78 1.55 3.00
Age 2-year 5-year To age 65
54 2.02 1.75 3.39 benefit benefit benefit
55 2.31 2.01 3.88 period period period
56 2.49 2.14 4.17 14–38 5.56 18.77 85.75

57 2.69 2.34 4.53 39–43 9.19 31.04 141.91
58 2.86 2.48 4.80 44–47 14.11 47.65 217.80
59 3.06 2.68 5.17 48–50 19.77 66.78 305.18
60 3.40 2.94 5.71 51–53 22.81 77.07 352.26
61 3.79 3.29 6.38 54–56 31.86 107.61 491.76
62 4.31 3.74 7.24 57–59 34.35 116.04 530.32
63 4.60 4.00 7.75 60–62 42.25 119.30 119.30
64 4.96 4.30 8.33 63 33.57 33.57 33.57
65 5.62 4.86 9.43 64 11.19 11.19 11.19
66 6.45 5.58 10.83 1
Premiums shown include stamp duty and an administration fee
of 6% of the insurance premium charged which covers the costs
67 7.17 6.22 12.04 associated with administering the insurance arrangements. The
administration fee is inclusive of GST and the benefit of any tax
68 8.06 6.99 13.54
credits that are applicable to the trustee. Insurance premiums are
69 9.20 7.99 15.47 not fixed and can be expected to change from time to time. We will
notify you in writing of any changes to your insurance cover.
70 10.73 N/A 2
10.732 2
Personal Account members must multiply the table rates by
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Premiums are waived if you’re receiving a disability

ANNUAL PREMIUM1,2 ($) PER UNIT OF INCOME
PROTECTION COVER OF $433 PER MONTH benefit. Premiums are deducted from your account
(OR $100 PER WEEK) WITH A 60-DAY WAITING PERIOD monthly in arrears. You can’t claim a tax deduction for
the insurance premiums that are paid from your super
Age 2-year 5-year To age 65
account. The premiums are paid to our Insurer by the
benefit benefit benefit
period period period Trustee on your behalf and are not payments made
directly by you to our Insurer.
14–38 7.55 23.83 109.23
39–43 12.49 39.42 180.72 Insurance premiums are not fixed and can be expected
to change from time to time. We’ll notify you in writing
44–47 19.15 60.53 277.47 of any changes to your insurance cover.
48–50 26.83 84.81 388.83
51–53 30.97 97.90 448.74
54–56 43.24 136.67 626.51 Income Protection cover
57–59 46.62 147.37 675.61 ACCUMULATION 2 AND
ACCUMULATION 1 MEMBERS
60–62 50.45 145.54 145.54
Sasha has 15 units of Income Protection
63 41.62 41.62 41.62 cover with a two-year benefit period and
64 13.89 13.89 13.89 a 60-day waiting period. He is 49 years
old, so he pays $26.83 per unit of cover.
Sasha’s annual insurance premium is
ANNUAL PREMIUM1,2 ($) PER UNIT OF INCOME
therefore $402.45 ($26.83 x 15). His
PROTECTION COVER OF $433 PER MONTH
(OR $100 PER WEEK) WITH A 30-DAY WAITING PERIOD
premium will change according to his age.
Age 2-year 5-year To age 65 PERSONAL ACCOUNT MEMBERS

benefit benefit benefit If Sasha was a Personal Account member
period period period
and had an occupation rating of ‘Light
14–38 10.82 34.14 156.96 manual’, then his cover would cost
$603.68 ($402.45 x occupation rating
39–43 17.88 56.51 259.84
factor of 1.5) each year. His premium will
44–47 27.46 86.74 398.82 change according to his age.
48–50 38.48 121.53 558.82
51–53 44.42 140.29 645.00
54–56 62.01 195.87 900.48
57–59 66.87 211.20 971.03
60–62 68.11 198.03 198.03
63 58.41 58.41 58.41
64 19.48 19.48 19.48
1
Premiums shown include stamp duty and an administration fee
of 6% of the insurance premium charged which covers the costs
associated with administering the insurance arrangements. The
administration fee is inclusive of GST and the benefit of any tax
credits that are applicable to the trustee. Insurance premiums are
not fixed and can be expected to change from time to time. We will
notify you in writing of any changes to your insurance cover.
2
Personal Account members must multiply the table rates by
15
Eligibility requirements
To be eligible for any type of insurance at If you elect to receive Death and/or TPD cover without
UniSuper, you need to meet the following general providing health evidence to our Insurer (excluding
eligibility requirements: transitioned cover), we must receive your Changing your
• you’re a UniSuper member and default options form within 180 days of you becoming first
• you’re aged 14 or more, and under the age at which eligible to join UniSuper, or your Application for additional
cover ceases. default cover form within 180 days of your default cover
automatically commencing, as applicable.
Additional eligibility Refer to the ‘DBD members and default member

contributions’ section on page 17 for more information.
requirements all members
must meet to receive Death and/ If you’re not in active employment on the date that cover
commences, your cover will be restricted. See the
or TPD cover on joining UniSuper information on pre-existing condition (PEC) exclusions on
page 29 for more information.
You’re generally eligible to elect, or automatically
receive, default cover and elect additional default
Death and/or TPD cover, if you meet the general ADDITIONAL CRITERIA FOR PERSONAL
insurance eligibility requirements described above, ACCOUNT MEMBERS
plus the following criteria: If you join UniSuper as a Personal Account member,
• you’re under age 75 for Death cover, and under you’re ineligible for additional default cover.
age 70 for TPD cover
• you don’t join UniSuper as a result of a Family Law To be eligible to receive Death and/or TPD cover without
payment split under the Family Law Act 1975 (Cth) providing health evidence to our Insurer, you must not be
• you’re not currently claiming (or eligible to claim) an receiving, or entitled to claim, income support benefits
insured terminal illness or TPD benefit relating to injury and/or illness from any source—
• you haven’t previously received an insured terminal including workers’ compensation, statutory transport
illness or TPD benefit, and accident benefits, and disability benefits.
• you have not previously received underwritten cover. Additional restrictions for Heavy manual and
Special risk occupation ratings
Your Death and TPD cover will be automatically
transferred to Death-only cover when you turn 70, and Personal Account members with an occupation rating
your Death-only cover will cease when you turn 75. of ‘Heavy manual’ or ‘Special risk’ cannot apply for
Life Events or Salary Increase cover.
ADDITIONAL CRITERIA FOR ACCUMULATION 1 Members with these occupation ratings are only
AND DBD MEMBERS (INCLUDING DBD MEMBERS eligible to apply for Income Protection cover with a
WHO TRANSFER TO ACCUMULATION 2) two-year benefit period. If you already hold Income
To be eligible to receive Death and/or TPD cover without Protection cover with a five-year or to-age-65 benefit
providing health evidence to our Insurer, we must receive period, and you then change your occupation rating
your minimum details from your employer within 180 to ‘Heavy manual’ or ‘Special risk’, then your benefit
days of you becoming first eligible to join, and you must period doesn’t need to change. However, if you apply
not previously have elected, opted out of, or received, to increase your level of Income Protection cover,
default cover. decrease your waiting period or increase the number
of units of Income Protection cover you have, your
cover will be converted to a two-year benefit period.
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Income Protection cover without IF YOU JOIN AS YOU CAN APPLY WITHOUT
underwriting for Accumulation 1 PROVIDING EVIDENCE OF

YOUR HEALTH
and Personal Account members an Accumulation 1 within 180 days of being
member first eligible to join the
If you join UniSuper as an Accumulation 1 or Personal fund by completing the
Account member and meet the general eligibility relevant Changing your
criteria on page 15, and are under the age of 65, default options form for your
you can apply for Income Protection cover without membership category.
providing evidence of your health to our Insurer. The
amount of cover you can get is the lesser of 23 units per a Personal Account during the application
month or the number of units which equates to 85% of member process.
your salary.
Any Income Protection cover applied for without
underwriting will have a waiting period of 90 days
ADDITIONAL CRITERIA FOR PERSONAL and a benefit period of two years.
ACCOUNT MEMBERS
When you apply, you must: You can apply to change your waiting period to 30 or
• be gainfully employed 60 days, or apply to change the benefit period to five-
• be actively performing or capable of actively years or to-age-65 (subject to eligibility requirements),
performing all the duties of your usual occupation but you’ll need to go through underwriting. The waiting
that is providing your income, whether that’s at your period and benefit period you select will determine
employer’s premises or any other premises you’re your premium. See the Income Protection cover
authorised to undertake your work duties, and premium tables on page 13.
• not be receiving, or entitled to claim, income support
benefits relating to injury and/or illness from any
source including workers’ compensation, statutory
transport accident benefits and disability benefits.
17
When does cover

commence?
Accumulation 1 members
DBD members and default
MEMBERS WHO RECEIVE DEFAULT
member contributions
COVER AUTOMATICALLY
A default member contribution is money that
Default cover automatically commences on the date
automatically comes out of your pay and goes
we receive an employer contribution, provided on
into your super – on top of your employer’s
that date:
super payments. If you join the DBD as a new
• you’re aged 25 or over, and
UniSuper member (i.e. you didn’t transfer
• have an account balance of at least $6,000.
from another UniSuper account) and choose
to reduce these contributions, you can
MEMBERS WHO ELECT DEFAULT COVER, receive default and additional default cover,
ADDITIONAL DEFAULT COVER AND/OR INCOME but you must satisfy the following:
PROTECTION COVER ON JOINING
• you need to elect on the Defined Benefit
For elected default cover, additional default cover, Division/Accumulation 2 – changing your
and/or elected Income Protection cover within 180 default options form to receive default
days of the date you’re first eligible to join UniSuper, cover (we must receive the form via
insurance commences on the date we receive your your employer within 60 days of you
next employer contribution, provided that employer joining), and
contribution is received within 180 days of the date • we must receive a contribution into your
we receive your election. accumulation component within 120 days
of you joining.
DBD members You’ll need to ensure your accumulation

component has a sufficient balance
For DBD members who automatically receive default from which insurance premiums can be
cover, that cover commences on the date you joined deducted, otherwise your cover will be
the DBD, provided an employer contribution is received cancelled. See the Defined Benefit Division and
within 180 days of that date. Accumulation 2 PDS for information about
default member contributions.
For DBD members who elect additional default cover
within 180 days of their default cover commencing,
this will commence on the date we receive your next
employer contribution on or after the date we receive
your election, provided we receive that employer
contribution within 180 days of your election.
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Accumulation 2 members UniSuper, insurance commences on the date we receive

a contribution or rollover, provided the contribution or
For DBD members who transfer to Accumulation 2 rollover is received within 180 days of you joining.
and elect to receive transitioned cover, transitioned
cover commences on the date you become an
Accumulation 2 member. All members
Additional cover commences on the date our Insurer
Personal Account members accepts your application.
For Personal Account members who apply for default

cover and/or Income Protection cover when joining
WHEN YOUR DEFAULT COVER COMMENCES AND WHEN YOU CAN ELECT ADDITIONAL DEFAULT COVER
(UP TO ANOTHER TWO UNITS OF DEATH & TPD COVER):
If you join as Eligibility for Default cover When can you elect
default cover commences additional default cover?
A DBD/Accumulation 2 You’ll generally receive The date you join the DBD Within 180 days of
member2 default cover automatically1 becoming a DBD member
An Accumulation 1 You’ll need to elect to On the date we receive When you elect to receive
member2 receive default cover within an employer contribution default cover
180 days of being first provided that it’s within 180
eligible to join UniSuper days from when we receive
if you’re under age 25, your election
or you have an account
balance under $6,000
You’ll receive default cover On the date we receive an Within 180 days of
automatically if you’re aged employer contribution receiving default cover
25 or over and have an
account balance of $6,000
or more
A Personal Account You’ll need to elect to The date we receive You’re ineligible for
member receive it when you join a contribution within additional default cover
180 days of you joining
1
Special requirements apply to DBD members who elect to reduce their default member contributions on joining UniSuper.
Refer to the section ‘DBD members and default member contributions’ on the previous page for more information.
2
Provided you join UniSuper within 180 days of being first eligible.
You’ll be charged premiums for cover based on the date your cover commences.
WHEN YOU CAN ELECT INCOME PROTECTION COVER AND WHEN THIS COVER COMMENCES
If you join as You can elect to receive Income Cover commences

Protection without providing
evidence of your health
An Accumulation 1 Within 180 days of being first eligible to On the date we receive an employer
member join UniSuper by completing the Changing contribution within 180 days from when
your default options – Accumulation 1 form, we receive your election
available in the Accumulation 1 PDS
A Personal Account When joining UniSuper via the online On the date we receive a contribution,
member application process provided it’s received within 180 days
of you joining
19
Transferring
between products
DBD members who choose Restrictions or exclusions

Accumulation 2 The cover you receive automatically or by
If you’re a DBD member considering election may have restrictions or exclusions
transferring to Accumulation 2 within your imposed. See page 28 for more information.
first 24 months of membership, then visit
unisuper.com.au/pds and read the What
happens to your inbuilt benefits if you choose
Accumulation 2? document. Any cover If your employment situation changes, your UniSuper
you already have will count toward your product may change too. For example, you might
transitioned cover Automatic Acceptance become a permanent employee instead of a contractor,
Limit. A pre-existing condition (PEC) and be entitled to become a member of our Defined
exclusion will apply to some or all of the Benefit Division.
transitioned cover you may receive.
Depending on which product you transfer to and from,
When transferring from the DBD, your your insurance may stay the same or it may change.
inbuilt benefits will cease. Transitioned This section provides an overview of what happens
cover available to Accumulation 2 to your insurance in these instances.
members who transfer from the DBD
When you transfer between products and you keep
can be a way to help keep you financially
your existing insurance cover, it will have the same
protected in the event of injury or
restrictions, loadings and exclusions, provided you
illness. However, to receive transitioned
continue to meet the eligibility requirements and
cover you must elect it when choosing
other criteria.
Accumulation 2.
If you’re under age 60, transitioned cover

generally consists of Death, TPD and
Income Protection cover. Important note
In some circumstances, your insurance
If you’re aged 60 or over and under
cover may be cancelled when transferring
64 and 9 months, transitioned cover
between products.
is limited to Income Protection cover.
The table on pages 20 and 21 illustrates how

cover changes when you transfer between products.
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If you’re an Accumulation 1 member and, if eligible, elect to join the DBD, you’ll receive default cover if you transfer to
the DBD, provided you had not elected, received, or opted out of default cover.
If you’re a DBD member…

• …who received default cover when you joined the DBD and you’re under age 25, or have an account balance of less
than $6,000, when transferring to Accumulation 1 or Accumulation 2, your default insurance will be cancelled –
unless you tell us you want to keep it.
• …who chooses to transfer to Accumulation 2, your inbuilt benefits will cease and you will not be provided
transitioned Death, TPD and Income Protection cover unless you elect to receive it.
Members transferring from the DBD to Accumulation 2 should visit unisuper.com.au/pds and read the What
happens to your inbuilt benefits if you choose Accumulation 2? document, for details about how inbuilt benefits can be
transitioned to external cover, including the restrictions, terms and conditions that may apply.
HOW COVER CHANGES WHEN YOU TRANSFER BETWEEN PRODUCTS
Transferring Transferring to
from
Accumulation 1 Accumulation 2 DBD
Accumulation 1 N/A N/A Any Income Protection cover you have ceases.
AND
Death and TPD insurance cover already in

place continues with any existing restrictions,
loadings or exclusions.
If you haven’t already elected, received, or

opted out of default cover, you’ll generally
receive default cover.
AND
Inbuilt benefits automatically provided

and a three-year PEC exclusion is applied.
Accumulation 2 Insurance cover N/A N/A
already in place
continues with any
existing restrictions,
loadings or exclusions
Transferring between products
HOW COVER CHANGES WHEN YOU TRANSFER BETWEEN PRODUCTS
Transferring Transferring to
from
Accumulation 1 Accumulation 21 DBD
DBD Inbuilt benefits cease 2
Inbuilt benefits cease N/A
AND AND
If you’re under age 25, or If you’re under age 25, or have an

have an account balance account balance of less than $6,000,
of less than $6,000, the default cover you received on joining
the default cover you the DBD is cancelled – unless you
received on joining the choose to keep it.
DBD is cancelled – unless
you choose to keep it. Otherwise, insurance cover already
in place continues with any existing
Otherwise, insurance restrictions, loadings or exclusions.
cover already in place
continues with any AND
existing restrictions,
You can choose to receive transitioned:
loadings or exclusions • Death and TPD insurance cover,
based on the dollar value of inbuilt
death benefits you were entitled to as
a DBD member at the date of transfer.
• Income Protection cover based on
your salary with a 90-day waiting
period and a five-year benefit period.
Transitioned cover is subject to

eligibility conditions, PEC exclusions
and AALs.
Refer to the What happens to your inbuilt

benefits if you choose Accumulation 2?
document for details.
Personal Any insurance cover N/A Any Income Protection
Account already in place continues cover you have ceases.
with any existing
restrictions, loadings AND
or exclusions.
Death and TPD insurance
Occupation ratings cover already in place
no longer apply to your continues with any
premiums. existing restrictions,
loadings or exclusions.
AND
Inbuilt benefits
automatically provided
and a three-year PEC
exclusion is applied.
AND
Occupation ratings
no longer apply to
your premiums.
¹ A PEC exclusion will apply to some or all of your transitioned insurance cover. See page 28 for details.
2
An inbuilt benefit may be payable for up to 90 days after ceasing employment.
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Transitioned cover: moving from DBD to Accumulation 2 example

Sam is 40, working full-time with a salary of TRANSITIONED DEATH AND TPD COVER
$110,000 and has a service fraction of 100%. Sam Each unit of Death and TPD cover at age 40 equals
is a DBD member and wants to know how much $149,000, so Sam receives four units
insurance cover she would receive if she elected of Death and TPD cover:
to receive transitioned cover when choosing to
transfer to Accumulation 2. 462,000 ÷ 149,000 = 3.1 units, which is rounded
up to four units.
The inbuilt death benefit she would have been
eligible to receive as a DBD member is $462,000. TRANSITIONED INCOME PROTECTION COVER
Based on her salary, Sam is provided with 18 units
Sam can choose to receive transitioned cover as of transitioned Income Protection cover which
part of her election to move to Accumulation 2. provides a monthly benefit of up to $7,800 per
month with the default benefit period of five years
The levels of Death, TPD and Income Protection
and a waiting period of 90 days.
cover Sam would receive are calculated as follows.
THINGS TO CONSIDER WHEN CHOOSING For information on the restrictions and exclusions relating
TRANSITIONED COVER to transitioned cover, visit unisuper.com.au/pds and read
When deciding whether to choose transitioned cover, the What happens to your inbuilt benefits if you choose
you should consider your insurance needs, both now Accumulation 2? document.
and into the future, as well as any restrictions, loadings
If you have existing fixed insurance cover, when you
or exclusions that apply.
receive transitioned cover the transitioned cover will
If you have existing Income Protection cover it may have also be fixed, rounded up to the next $1,000.
different restrictions or exclusions to transitioned Income
Protection cover.
23
When else can you

get cover?
Additional cover – applying Death and TPD
Interim accident cover will be provided if you die
for cover that requires health or suffer TPD as a result of an accident. The interim
evidence (underwriting) accident cover provided will be the lesser of:
• the amount of cover you’re applying for, and
Default and additional default cover may not provide • $2,000,000
you with enough cover to suit your personal situation, less the amount of any insured cover you already
or you may have chosen not to receive it. That’s why have through your UniSuper membership.
we offer you the ability to apply for increased levels
of cover to better protect yourself and your family. Whether you’re covered for interim accident cover
for Death and TPD, Death-only or TPD-only cover will
If you’d like to increase your level of Death, TPD or depend on the type of cover you’ve applied for and are
Income Protection cover, your application must be eligible to receive. Interim accident cover starts when
assessed by our Insurer. Our Insurer will also need to we receive your application form and will cease on
assess changes to your Income Protection cover that the earlier of 120 days from the date you applied for
involve decreasing your waiting period or increasing additional cover, and on the date your application is
your benefit period. accepted, declined, withdrawn, and the date the interim
accident cover is cancelled by our Insurer.
All applications for additional insurance cover are
subject to acceptance by our Insurer. Our Insurer has Income Protection
the ability to accept, decline or impose restrictions, Interim accident cover will be provided if you suffer
exclusions and/or loadings on the insurance premiums. total disability as a result of an accident occurring during
If our Insurer accepts your application after assessing the interim accident cover period. If this happens,
your eligibility for cover subject to restrictions, you’ll receive a monthly benefit of up to 85% of your
exclusions and/or loadings on the insurance premiums, pre-disability income equal to the lesser of:
these conditions will apply immediately from the date • the units of cover you’ve applied for, and
cover commences and we’ll notify you in writing. • the lesser of:
– $15,000 per month, and
If you’re unemployed or not working when you apply
– the next highest number of units which equates
for Income Protection cover, your application will
to 85% of your salary at the date of application for
be declined.
additional cover less any amount payable for the
If you apply for and receive additional cover, you won’t same event under another condition of the policy.
be eligible to receive default cover in the future.
Your interim accident cover period starts when we
Additional cover generally commences on the date receive your application for additional cover. It ceases
our Insurer accepts your application for cover. on the earlier of 120 days from the date you applied for
additional cover, the date your application is accepted,
declined or withdrawn, and the date the interim
INTERIM ACCIDENT COVER
accident cover is cancelled by our Insurer.
While your application for additional cover is being
assessed, interim accident cover will be provided There is no interim accident cover if you suffer a partial
if you meet certain conditions. disability during this period. The interim accident
benefit will continue to be paid until the earlier of
the date you cease to be disabled, expiration of the
applicable benefit period, you reach age 65, or you die.
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Transferring cover – you’re gainfully employed (or self-employed) and

are capable of undertaking gainful employment
from another provider for at least 30 hours per week
– you’ve not, in the last 12 months been absent
If you have cover with another super fund or other
from work or unable to fully perform:
provider and you’re less than age 61, you may be able
i. the duties of your usual occupation (whether
to transfer this cover to us provided you meet all of the
following conditions: employed or unemployed); or
• you transfer your whole super balance from your ii. your unpaid domestic duties, if you’re
other super fund to us unemployed and your sole occupation is the
• you cancel the insurance cover from your other performance of unpaid domestic duties;
provider (or other insurer), not exercise a continuation due to illness or injury (other than cold or flu) for
option, or reinstatement option (now or in the future) more than 10 days.
or transfer the cover to another super fund • at the date of your application, regarding Income
• your cover with the other provider mustn’t have been Protection cover:
subject to any loadings, restrictions or exclusions – you’ve not been diagnosed with, or suffer from,
regarding to medical or other conditions an illness that reduces your life expectancy to
• you’ve provided satisfactory evidence to us about less than 12 months
the type and amount of cover, and for Income – you’re gainfully employed (or self-employed) and
Protection cover, the waiting period and benefit are capable of undertaking gainful employment
period which applied to you under the cover you are for at least 30 hours per week
applying to transfer – you’ve not received, haven’t been admitted for,
• you’ve completed, to our Insurer’s satisfaction, and haven’t satisfied the requirements for a total
your application or provided other documents and permanent disablement or terminal illness
our Insurer requires benefit from any super fund or life policy issued
• at the date of your application, regarding your Death to a super fund or a life insurer, and
and TPD cover: – you’re not claiming or currently entitled to claim
– you’ve never been paid or are eligible to be paid, an Income Protection benefit from any super
or are currently in the process of submitting a fund or life policy issued to a super fund or a
claim for any illness or injury through a super life insurer
fund, insurance policy, workers’ compensation, • the maximum amount of Death and/or TPD cover
or government benefits (such as sickness benefit, that can be transferred is $2 million
invalid pension) providing terminal illness, total • the insured cover, including existing and transferred
and permanent disablement or Income Protection cover, cannot be more than:
cover, including accident or sickness cover – for Income Protection cover, the lesser of up
– you’ve not been diagnosed with, or suffer from, to 85% of your salary or $29,900 per month
an illness or injury that may cause permanent (69 units)
inability to work, or which reduces, or is likely – the maximum TPD cover you can have, including
to reduce your life expectancy to less than 12 any existing TPD cover is $3 million.
months from the date of your application
Any Death and TPD cover you transfer will be provided
– you’ve never had an insurance application for
by UniSuper as fixed cover and will be rounded up to
Death, Total and Permanent Disablement, or
the nearest $1,000.
Income Protection cover (including accident or
sickness cover) declined, postponed or offered If you are a Personal Account member with an
on non-standard or modified terms such as occupation rating of ‘Heavy manual’ or ‘Special risk’,
a loading and/or exclusion, including but not then any Income Protection cover you transfer from
limited to pre-existing condition exclusions another provider will have a two-year benefit period,
– you’re not, at the date of this application, due to regardless of the benefit period applicable to your
injury or illness, off work or restricted or unable previous cover.
to fully perform without limitation all of the duties
of your current or usual occupation for at least
30 hours per week, even though your actual
employment may be on a full-time, part-time or
casual basis or you may be unemployed
When else can you
get cover?
Life Events cover

What happens to your UniSuper provides a process for you to top up
existing cover? your existing Death and/or TPD insurance cover
When transferring cover from another without providing evidence of your health, in the
provider, any existing unitised Death and following circumstances:
TPD cover you have with UniSuper will
also be converted to fixed cover. Once your LIFE EVENT EVIDENCE REQUIRED WITH
cover is fixed, you can’t change it back to YOUR APPLICATION WITHIN
unitised cover. 90 DAYS OF THE EVENT
Purchasing a home Certified mortgage

If you transfer Income Protection cover from
for your permanent documents
another provider it will replace any existing
residence and taking
Income Protection cover you have with us.
out a mortgage on
The total amount of cover transferred plus that residence
any existing cover can’t exceed the relevant Getting married Certified marriage
maximum cover limits. certificate
Giving birth to or Certified birth certificate
adopting a child or adoption papers
You can apply to transfer your cover by logging
in to your account or by completing the Transfer Commencing a Statutory declaration form
of insurance cover form, available at de facto relationship
unisuper.com.au/forms. Divorcing or One of the following:
terminating a de facto • for legal marriages,
Subject to meeting all of the conditions set out in this certified divorce orders
relationship
section, the transferred cover will commence on the • for de facto, statutory
later of the following: declaration form
• the date our Insurer accepts your application
Death of a spouse Certified death certificate
to transfer cover; and
including a de facto
• the date we receive the transfer of your super from
your previous fund. Dependent child Certified enrolment details
starting tertiary or acceptance letter
Your cover won’t commence if your account balance education from school
isn’t sufficient to pay the premiums for your cover.
DBD members can’t transfer Income Protection cover
from another fund. ELIGIBILITY CRITERIA FOR LIFE EVENTS COVER
If you’re eligible for default cover but haven’t yet To be eligible to obtain an increase in your existing
received it because you’re under age 25 or your account external Death and/or TPD cover through a life event
balance is below $6,000, transferring cover from without having to provide medical evidence, you must
another fund without providing evidence of your health satisfy the following:
does not affect your eligibility to later receive default • you’re less than 55 on the date you apply for an
cover. However, your default cover will be provided increase in cover;
as fixed cover. • your existing cover isn’t subject to any special
conditions, such as premium loadings, restrictions or
exclusions (other than a PEC exclusion);
• you mustn’t have previously been declined cover
under the policy;
• you must apply within 90 days of the life event;
• you must provide sufficient evidence that the life
event has occurred;
• you haven’t applied for Life Events cover in the
previous 12 months;
• your cover doesn’t exceed maximum cover
limits; and
• if you’re a Personal Account member you must not
have an occupation rating of ‘Heavy manual’ or
‘Special risk’.
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You mustn’t have applied for Life Events cover for the It’s important to be aware that your automatically
same occurrence of the same life event. However, as an updated cover may not meet your income needs. If you
example, you can apply for Life Events cover when your have multiple sources of income (e.g. you have other
first child starts tertiary education and apply once more jobs), make sure you regularly check your total income
when your second child starts tertiary education. and cover to ensure you’re adequately insured.
The amount of Life Events cover will be: It’s also important to be aware that automatic updates
• Unitised cover—one additional unit of the same type can reduce your Income Protection cover if your
of cover employer reports to us a reduction in your salary and/
• Fixed cover—the lesser of 25% of the existing level or hours worked.
of cover, or $200,000.
If you change your mind, and no longer want us to
automatically update your cover, you can opt out of
ARE THERE ANY RESTRICTIONS ON LIFE
this process via your online account or by visiting
EVENTS COVER?
unisuper.com.au/forms and completing the Changing
If you make a claim within the first six months of the your insurance cover form.
date your increased cover commences under Life
Events cover, the Life Events portion of your benefit will Automatic updates will never increase your cover above
only be payable if the claim is the result of an accident. the Automatic Acceptance Limit (AAL) of 34 units, but
may decrease your cover to, or below, the AAL of 34
units which may leave you underinsured.
HOW TO APPLY
If you want to apply for Life Events cover, visit After you receive transitioned cover, if you make
unisuper.com.au/forms , read the Life Events and Salary any changes to your cover, you’ll no longer receive
Increase cover fact sheet and complete the form. automatic Income Protection cover updates.
If your application for Life Events cover is successful, Automatic updates won’t occur in the
the additional cover will be added to your existing following circumstances:
Death and/or TPD insurance cover and will commence • within six months of receiving Salary Increase cover
on the date our Insurer notifies us in writing that it has • if your cover is subject to loadings or exclusions
agreed to provide cover. (other than a pre-existing condition (PEC) exclusion)
• if you’re on claim or entitled to a claim under
the policy
Income Protection automatic • if you’re no longer an Accumulation 2 member
update (Accumulation 2 • if you don’t already have Income Protection cover
• if you’ve previously had an application to increase
members only) your Income Protection cover declined, or
If your salary increases, our automatic update option • if the automatic update would increase your cover
can help you ensure you have enough units of Income above the automatic acceptance limit.
Protection cover to provide you with up to 85% of your
If you’re not in active employment when your cover is
salary in the event of illness or injury.
automatically updated, you won’t be able to make a
Conversely, if you decide to work fewer hours, our claim on any increase that automatically applied.
automatic option can reduce your cover so that you’re
not over-insured and paying for cover you don’t need.
Subject to you meeting certain eligibility requirements,

we can automatically update your Income Protection
cover every six months to help ensure that cover is kept
up-to-date. You don’t need to provide health evidence.
If you choose to receive transitioned cover, your Income
Protection cover is automatically updated. Your cover
will be based on the salary and hours worked that your
UniSuper employer has reported to us on the date the
cover is updated.
When else can you
get cover?
Salary Increase cover

If you receive an increase in salary, you may apply
to increase your Income Protection cover by one unit
with limited underwriting (outside the six-monthly
automatic update for Accumulation 2 members – see
the previous page), subject to the maximum cover limit.
This is known as Salary Increase cover. You’ll be eligible
for Salary Increase cover without having to provide
evidence of your health if:
• you’re in active employment on the date
of application
• you already have Income Protection cover
on the date of your application
• you’re under age 55 on the application date
• your cover isn’t subject to any special conditions
such as premium loadings, restrictions or exclusions
(other than a pre-existing condition (PEC) exclusion)
• you’ve not previously had an application to increase
your Income Protection cover declined
• you’ve not applied for Salary Increase cover in the
previous 12 months
• we receive your completed application form for
Salary Increase cover within 90 days of your salary
increase occurring
• you provide us with evidence of your salary
increase, and
• for a Personal Account member, you don’t have
an occupation rating of ‘Heavy manual’
or ‘Special risk’.
Salary Increase cover will commence if and when your

application is accepted by our Insurer.
If a claim arises within the first six months of your

Salary Increase cover, you’ll only receive a benefit
for the Salary Increase cover amount if the claim
is as a result of an accident.
28
Exclusions and
special conditions
Exclusions and special Exclusions and special
conditions for Death-only, conditions for Income
TPD-only and Death and Protection cover
TPD cover In addition to the pre-existing condition exclusion (refer
to page 29), the following exclusions and special
In addition to the pre-existing condition (PEC) exclusion
conditions apply to your Income Protection cover.
(refer to page 29), the following exclusions and
special conditions apply to your Death and TPD, Death- No Income Protection benefit will be payable if your
only cover, or TPD-only cover. injury or illness is caused directly or indirectly by one
of the following:
WAR-RELATED EVENTS • self-inflicted harm or attempted suicide, regardless
No benefit is payable for additional cover, reinstated of whether you were sane or insane at the time
cover or interim accident cover where your death, • normal and uncomplicated pregnancy or childbirth.
terminal illness or TPD is directly or indirectly caused by For the purposes of this exclusion, multiple
war (whether declared or not) or war-like operation. pregnancy, threatened or actual miscarriage,
participation in an IVF or similar program,
discomfort commonly associated with pregnancy,
SELF-INFLICTED INJURY, INFECTION OR
such as morning sickness, backache, varicose
ATTEMPTED SUICIDE
veins, ankle swelling or bladder problems aren’t
No benefit is payable for additional cover, reinstated considered to be abnormal or complications
cover or interim accident cover where death, terminal of pregnancy
illness or TPD is caused by self-inflicted injury, self- • when you became an insured member, your usual
inflicted infection or attempted suicide. occupation was an excluded occupation (where our
Insurer has not given prior approval)
IF YOU’RE OVERSEAS • your participation in a criminal act
Death and/or TPD cover will continue to be • service in the armed forces (excluding the Australian
provided while you’re overseas, subject to the Defence Force Reserve)
following conditions: • war (whether declared or not), revolution, invasion
• your cover hasn’t ceased under the policy or rebellion.
• you remain a member of UniSuper, and
• the continued payment of premiums when due.
Exclusions and special conditions
The excluded occupations referred to on the previous

page are:
Pre-existing condition
• air traffic controller
(PEC) exclusions
• earth drilling, mineral exploration, miner or person The PEC exclusion means that if you had an illness
working with explosives or injury which was pre-existing prior to the cover
• professional entertainer such as actor, dancer, commencing or recommencing, you won’t be covered
musician and stage performer for that illness or injury until the PEC exclusion is
• fireman, police, ambulance officer and paramedic removed. PEC exclusions apply for a pre-defined
• fisherman period, up to five years, depending on how you get
• forestry worker the cover. This is also referred to as a ‘PEC period’.
• sex worker
• workers in the horse racing industry such as trainer, If you’re not in active employment at the end of the
jockey and strapper PEC period, the PEC period will continue to apply
• workers whose work requires them to work at until you’ve returned to active employment for two
heights such as rigger, scaffolder, roof worker and consecutive months.
antenna erector
• offshore oil rig worker PEC EXCLUSION ON TRANSITIONED COVER
• commercial pilot
A PEC exclusion period will apply to some or all
• professional and semi-professional sport person
of your cover if you receive cover on transferring
• security guards (other than unarmed security
to an Accumulation 2 account from the DBD.
guards), doormen, bouncers and persons employed
in crowd control
• sheltered workshop employee PEC EXCLUSION FOR THOSE WHO JOIN UNISUPER
• seasonal worker or employees in an industry with a AS PERSONAL ACCOUNT MEMBERS
predominantly seasonal workforce A five-year PEC period will apply to any Death, TPD
• underground or underwater worker. or Income Protection cover elected as part of your
Personal Account application. This PEC period will
WORKING OVERSEAS continue if you later transfer to Accumulation 1 or
to the DBD.
If you’re working overseas, Income Protection cover
will continue to be provided while you’re overseas
as long as:
• your cover hasn’t ceased under the policy
• you remain a member of UniSuper, and
• premiums continue to be paid when due.
Income Protection benefits will only be paid for a

maximum of six months while you’re overseas, unless
otherwise agreed between us and our Insurer. You must
return to Australia at your own expense for Income
Protection benefits to continue.
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WHEN ELSE MAY A PEC EXCLUSION APPLY? TPD CLAIMS

For members other than Personal Account members, If you’re eligible, generally a six-month waiting period
a 12-month PEC period will apply to TPD cover where: applies, but this is waived if:
• you apply for additional default cover and a. you have cancer, chronic renal failure, coronary
• you’re not in active employment when artery bypass surgery, heart attack, stroke, transient
cover commences. ischaemic attacks, chronic liver or lung disease,
major head trauma, severe burns or total deafness
If a PEC exclusion applies and you’re not in active or blindness as defined in the policy
employment at the end of the 12-month PEC period, b. you suffer Whole Person Impairment within the
the PEC exclusion will continue to apply until you’ve meaning of the policy
been in active employment for two consecutive months. c. for members who commence cover on or after 1 July
2014, your TPD is caused by the permanent loss of
For Accumulation 1 members, a 12-month PEC period
the use of two limbs; the total sight in both eyes; or
will apply to Income Protection cover provided without
the use of one limb and the total sight of one eye.
providing evidence of your health to our Insurer (refer
page 6) where you’re not in active employment on We’ll also waive this six-month waiting period if your
the date that your cover commences. cover has ceased after the date of disablement but prior
to having ceased gainful employment (or being absent
A PEC exclusion can be removed at any time subject to
from performing domestic duties) for a period of six
the completion of medical evidence and acceptance
consecutive months and:
by our Insurer or will cease to apply if you apply
a. you’re less than 65 years of age and gainfully
for additional cover requiring health evidence and
employed (or performing domestic duties)
your application is accepted by our Insurer without
immediately prior to the date of disablement, and
any individual conditions, exclusions, restrictions
b. you’ve not performed any form of gainful employment
or loadings.
(or domestic duties) whatsoever since the cessation
of cover.
Waiting periods
INCOME PROTECTION CLAIMS
Waiting periods refer to the time period in which you’re
The default waiting period for Income Protection
unable to work due to illness or injury and meet the
cover is 90 days, however, you can choose a waiting
required policy definition before your insurance claim
period of 30 or 60 days. The waiting period you select
can be assessed.
will impact your premium. See the Income Protection
cover premium tables on page 13. If you choose to
DEATH CLAIMS decrease the waiting period applicable to your cover,
If you had Death cover at the date of your death, you must complete an application form and satisfy our
the insured benefit will be paid to your beneficiaries Insurer’s health evidence and eligibility requirements.
and/ or your legal personal representative as a lump
sum. No waiting period applies to Death or terminal The waiting period commences on the date you first
illness claims. receive medical advice from a doctor about your injury
or illness and the doctor certified on that day that
you’re disabled.
At the end of the waiting period, a benefit will be paid

monthly in arrears, providing you still meet the required
disability definition.
Exclusions and special conditions
ADDITIONAL BENEFIT
Maximum cover levels
Where you suffer one of the specific illnesses listed
below during the waiting period, you’ll also be entitled DEATH AND TPD
to an amount during the waiting period (known as a There’s no limit to the amount of Death cover you can
‘specific illness benefit’). This amount is equal to one apply for. The maximum amount of TPD cover you
times your monthly insured benefit, less 10% of your can apply for is $3 million. The maximum amount of
pre-disability income where your monthly benefit is terminal illness cover you can claim is $3 million. If the
equal to 85% of your pre-disability income. These terminal illness benefit paid out is less than your Death
specific illnesses are: cover, your dependents and/or estate will receive the
• cancer remainder of your Death cover in the event of your
• chronic liver disease death, subject to the premiums continuing to be paid
• chronic lung disease for the remainder of the Death cover.
• chronic renal failure
• coronary artery bypass surgery
INCOME PROTECTION
• heart attack (Myocardial Infarction)
• major head trauma The maximum amount of Income Protection cover you
• severe burns can apply for is 69 units or $29,900 per month.
• stroke
The maximum period an Income Protection benefit can
• total blindness
be paid is the lesser of the benefit period that applies to
• total deafness, or
you (if you’ve elected a two-year or a five-year benefit
• transient ischaemic attacks.
period) and to age 65. The minimum monthly benefit
Each specific illness is defined in the policy. You can period that can be insured is one unit which equals
obtain a copy of the policy by calling us. $433 per month or $100 per week.
Where your selected level of Income Protection is less

IF YOU RETURN TO WORK DURING than 85% of your pre-disability income, your selected
THE WAITING PERIOD level of Income Protection cover will apply. If 85% of
If you return to work during your waiting period and the your pre-disability income is less than your selected
attempted return to work proves unsuccessful because level of Income Protection Cover, the maximum benefit
of the illness or injury causing disability, the waiting payable will be 85% of your pre-disability income. The
period will continue as though there was no return portion above 75% (up to 85%) is generally payable as
to work as long as you don’t return to work for nine an employer super contribution.
consecutive working days during the waiting period. If
the return to work is for nine or more consecutive days,
then the waiting period will recommence.
If you return to partial work, or are capable of doing so,

after 14 consecutive days of suffering total disability,
a partial disability benefit may be payable once the
waiting period has ended, provided you meet the
criteria listed in the definition.
32
How to make a claim

You must notify us as soon as reasonably possible
of any claim or potential claim. To make a claim,
Does cover continue if
you or your beneficiaries can call us. Visit you make a claim?
unisuper.com.au/claims for further information. Any
If a death benefit is paid, all cover ceases. If you lodge
information required by our Insurer to assess the claim
a claim for a terminal illness benefit, you cease to be
will also need to be provided, some of which will need
eligible for TPD cover (if applicable). If you’ve received
to be provided at your own cost.
a terminal illness benefit and you die, your beneficiaries
If you or your beneficiaries don’t agree with our Insurer’s may be able to claim a residual death benefit amount
claim decision, you can ask for it to be reviewed by the if the Death cover exceeds the terminal illness
Trustee. You can do this by contacting us or writing to: amount paid. If you’ve ever received a terminal illness
benefit, you’ll be ineligible to apply for Death and TPD
UniSuper Claims Department insurance cover.
Level 1, 385 Bourke Street
Melbourne VIC 3000 If you lodge a TPD claim and it’s paid, your Death cover
will generally cease if your TPD cover was equal to,
or more than, your Death cover. However, if your TPD
If you have a terminal cover is less than your Death cover, Death cover will
medical condition continue for an amount equal to your Death cover less
your TPD cover. If you subsequently return to work
If you have a terminal medical condition, you may and would like to apply for Death and TPD cover again,
be eligible to access your super early if you get you’ll need to complete an application form and provide
certification from two medical practitioners, one of health evidence to our Insurer. If you’ve received
which is a specialist, that you have less than two years a TPD benefit previously, you’ll only be eligible for
to live. Death-only cover.
The certification period for the inbuilt terminal medical All cover will cease for Income Protection if you’ve
condition benefit (DBD members only) and externally received Income Protection benefits for the benefit
insured terminal illness benefit, requires certification period applicable to your insurance cover.
from two medical practitioners, one of which is a
specialist, stipulating you have less than 12 months
to live.
Terminal medical condition
There could be significant consequences to accessing Before you apply for the early release of your
your super early, including forfeiting your eligibility for funds due to a terminal medical condition,
insured benefits through your UniSuper membership. we encourage you to read the Terminal
Please call us and we can take you through your options. medical condition benefit fact sheet available
at unisuper.com.au/forms and call us to
discuss your options.
33
How and when your

benefit is paid
We can only pay an insured benefit once our Insurer In cases where total disability or partial disability
has accepted the claim, the insurance proceeds have benefits have been paid for more than 12 continuous
been received from our Insurer, and you’ve met months, Income Protection benefits are indexed every
a relevant condition of release. 12 months by the lesser of the annual Consumer Price
Index and 5%.
Death and TPD If you’re receiving a total disability or partial disability

benefit and you die, our Insurer will pay a lump sum
If the claim is approved by our Insurer, the insurance benefit of $10,000 when our Insurer has been provided
proceeds will be paid to us and released to you if you’ve with evidence to its satisfaction.
satisfied a relevant condition of release.
Our Insurer may agree to pay a rehabilitation expense
benefit in addition to benefits otherwise provided.
Income Protection Prior approval is required from our Insurer in these
circumstances. The maximum rehabilitation expense
If your claim is accepted, your insured benefit will benefit that may be paid for any one disability claim
be paid monthly in arrears for your benefit period— is the lesser of four times your monthly benefit and
as long as you remain totally disabled or partially $100,000, less the amount of any rehabilitation
disabled as applicable. expense for which you’re entitled to reimbursement
from another source. This amount may be paid in
If you make a claim and it’s accepted, you’ll receive
addition to a total disability or partial disability benefit.
a monthly benefit that is the lesser of:
• the amount represented by the number of units our A pro-rata insured benefit will be paid if a benefit
Insurer last accepted for you is payable for less than a whole month.
• 85% of your monthly pre-disability income (with up
to 10% of your monthly pre-disability income to be The insured benefit is paid monthly in arrears to your
paid as a super contribution). nominated financial institution account. The employer
super contribution of up to 10% will be paid into your
A partial monthly benefit may be payable if you’re totally UniSuper account.
disabled for a period of 14 consecutive days during your
waiting period, you’re unable to return to performing all If you’re partially disabled, you’ll receive a portion
of the duties of your usual occupation and you’re partially of the monthly benefit that takes into account any
disabled immediately after the expiration of your waiting income you’re earning.
period, and provided you meet the criteria listed in the
definition of partial disability. PAYG tax will be deducted from each monthly
benefit payment.
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Reduced Income WILL I RECEIVE AN INSURED BENEFIT

IF MY DISABILITY RECURS?
Protection benefit If you’ve been receiving a total disability or partial
Your monthly benefit payment will be reduced by disability insured benefit and you return to your full
any other income earned (whether it’s received or pre-disability duties, but within six months of the claim
not) while receiving a benefit and any other disability ending as a result of commencing your pre-disability
income payments that you or your employer receive duties the same disability recurs, it will be considered
on your behalf. to be a continuation of your earlier claim (provided you
still have Income Protection insurance cover in place).
In addition, any lump sum payment in lieu of other The applicable waiting period won’t apply and the
disability income (such as workers’ compensation insured benefit period will be reduced by the number
payments, motor accident and income replacement of days you were paid under the earlier claim.
benefits) will offset your Income Protection payment
by 1/60th of the lump sum per month over a 60-month WHEN WILL MY INCOME PROTECTION BENEFIT
period, or the remainder of your Income Protection BE PAID?
benefit period, whichever is the shorter. For example,
Your first disability payment is effective from
if you receive a $120,000 workers’ compensation
the day after your waiting period ends. As insured
payment as a lump sum and also claim an Income
benefit payments are made in arrears, you won’t
Protection benefit through our Insurer, your monthly
receive your first payment for up to a month after
Income Protection payment will be reduced by $2,000
the effective date and our Insurer has completed
per month (i.e. 1/60th of the $120,000 lump sum).
their required assessment.
Income earned from investments (for example,
dividends and interest earned on savings accounts),
income earned from super benefits, and annual leave,
sick leave or long service leave entitlements won’t
reduce payments.
A monthly benefit won’t be paid if your other

disability income exceeds 85% of your monthly
pre-disability income.
Definitions
Definitions
Read these definitions in conjunction with the policy c. an Accumulation 2 member, $1.2 million for:
documents which can be obtained by calling us. i. Death-only cover;
ii. TPD-only cover; or
ACCIDENT iii. Death and TPD cover.
For the purposes of Income Protection, Salary Increase For Income Protection cover:
and Life Events cover, means accidental injury causing
total disablement through a visible, violent, external means:
event to the body a. in respect of a member other than an
Accumulation 2 member, the lesser of:
i. 23 units per month; and
ACTIVE EMPLOYMENT
ii. the next highest number of units which equates
For the purposes of Death and TPD cover, active to 85% of the member’s salary at the date insured
employment means: cover commenced under the policy.
a. for any person who is: b. in respect of an Accumulation 2 member, the lesser of:
i. employed with an employer; the person is: i. 34 units per month; and
1. actively performing or capable of actively ii. the next highest number of units which equates
performing all of the duties of their usual to 85% of the member’s salary at the date insured
occupation with their employer on a full time cover commenced under the policy.
basis; or
2. on employer approved leave for reasons
CONDITION OF RELEASE
other than illness and/or injury, and capable
of performing their usual occupation on a Under super law you must meet a condition of release
full-time basis; before your preserved benefits can be withdrawn from
free from any limitation due to illness and/or injury; or a super fund. The conditions of release can include:
ii. unemployed or self-employed; the person • permanent retirement from the workforce on or
is actively performing or capable of actively after reaching your preservation age
performing all of the duties of his or her usual • termination of employment on or after you reach
occupation free from any limitation due to illness age 60
and/or injury on a full-time basis; or • reaching age 65
iii. engaged exclusively in unpaid domestic duties; • permanent incapacity
the person is actively performing or capable of • terminal medical condition
performing all of their unpaid domestic duties on • terminating employment with an employer who
a full-time basis, free from any limitations due to contributed to UniSuper on your behalf and your
illness and/or injury; and benefit is less than $200, or
b. the person is not entitled to or receiving income • death.
support benefits relating to illness and/or injury
from any source including, but not limited to DATE OF DISABILITY
workers’ compensation benefits, statutory transport
For the purposes of Income Protection cover, date
accident benefits and disability income benefits.
of disability means the date that a medical practitioner
examines the insured member and certifies that he
AUTOMATIC ACCEPTANCE LIMIT or she is disabled.
For Death and/or TPD cover:
DISABLED/DISABILITY/DISABLEMENT
means in respect of:
a. an Accumulation 1 member or a Defined Benefit means partially disabled/partial disability/partial
Member, three units of: disablement or totally disabled/total disability/total
i. Death-only cover; disablement, as applicable.
iii. Death and TPD cover, and EMPLOYER CONTRIBUTION
b. a Personal Account member, one unit of: means a super contribution by an employer in respect
i. Death-only cover; of a member.
iii. Death and TPD cover, and
36 1800 331 685
UNISUPER.COM.AU
FIRST ELIGIBLE ON-TIME EMPLOYER CONTRIBUTION

means the date you first commenced employment means an employer contribution received before the
with a UniSuper participating employer. last date by which employers are required to make super
contributions for the period to which that employer
ILLNESS contribution relates to avoid becoming liable for the
super guarantee change under the Superannuation
means sickness, disease or disorder.
Guarantee (Administration) Act 1992 (Cth).
INJURY
OTHER DISABILITY INCOME
means bodily injury caused by violent, external
means, in respect of an insured member;
and visible means.
a. any income under any other insurance policy
as a result of incapacity;
INSURED MEMBER b. social security benefits or allowances paid as a
means a member who has insurance cover under result of a person’s inability to work or earn an
the policy. income; and
c. any benefit under any worker’s compensation,
motor accident compensation or other similar State,
LIMB
Federal or Territory legislation,
means the whole hand below the wrist or whole foot
below the ankle. derived by the insured member during a month for
which their monthly benefit or partial monthly benefit is
LOADING being calculated.
means a multiplier may be applied to your premium by For the avoidance of doubt, other disability income
our Insurer depending on your health evidence or other does not include:
information provided. If a loading is applied, then your a. income earned by the member from investments;
premium will be increased. You will be notified if this b. income earned by the personal exertion of
applies to you. the member
c. any lump sum total and permanent disablement
MAXIMUM COVER LIMIT benefit, lump sum superannuation benefit, lump
sum trauma or terminal illness style of benefit
means in respect of:
payable in respect of the member; or
• Death cover: unlimited
d. annual leave, sick leave or long service leave
• TPD cover: $3 million
entitlements of the member.
• Income Protection cover: $29,900 per month
or 69 units
• Terminal illness cover: $3 million. PARTIAL DISABILITY
means that an insured member because of illness
MEDICAL PRACTITIONER or injury:
• directly before suffering a partial disability,
means a person who is registered and practising as a
suffered total disability continuously for a period
medical practitioner in Australia or a medically qualified
of 14 consecutive days,
doctor approved by our Insurer, other than the:
• has been unable to return to performing all of the
a. insured member
duties of his or her usual occupation because of that
b. insured member’s spouse or partner in a de facto
illness or injury,
relationship, parent, child or sibling, or the parent,
• is under the regular care of a medical practitioner,
child or sibling of the insured member’s partner; or
and is following that medical practitioner’s advice, and
c. the insured member’s business partner, associate
• earns a monthly income that is less than his or her
or employee.
pre-disability income.
MINIMUM DETAILS
means your name, date of birth, address and date
of commencement of employment.
Definitions
PARTICIPATING EMPLOYER PRE-EXISTING CONDITION (PEC)

means an employer who makes or agrees to make means that our Insurer will not pay a claim that relates
employer contributions to the fund in respect to an illness or injury:
of members. a. in respect of which, prior to the relevant date, the
member or a reasonable person in their position:
PERMANENT LOSS OF TOTAL SIGHT IN AN EYE/ i. was aware or was aware of symptoms related to
BOTH EYES the illness or injury; or
ii. should have sought advice or treatment in
means the complete loss of functional sight in an eye/
relation to symptoms related to the illness or
both eyes which is permanent.
injury (conventional or alternative) from a medical
practitioner or other allied health professional (in
PRE-DISABILITY INCOME circumstances where a reasonable person in their
means: position would have sought advice or treatment); or
a. where the insured member does not directly or iii. has had a medical consultation or been
indirectly own part of the business or practice prescribed medication or therapy; and
making the employer contributions with respect b. which existed, or any symptoms related to the
to that insured member (including where the injury or illness which existed at any time prior to the
insured member is on employer approved leave relevant date.
with full pay): 1/12th of the insured member’s current
annual pre-tax salary excluding director’s fees, PRESERVATION AGE
commissions, overtime payments, bonuses, penalty
Your preservation age depends on when you were born.
or shift allowances, investment income, income
See the table below:
received from deferred compensation plans,
disability income policies or retirement plans or YOUR DATE OF BIRTH PRESERVATION AGE
income not derived from vocational activities;
b. where the insured member directly or indirectly Before 1 July 1960 55
owns part or all of the business or practice making 1 July 1960 – 30 June 1961 56
employer contributions with respect to that insured 1 July 1961 – 30 June 1962 57
member: 1/12th of the annual share of the income of
that business or practice generated by the personal 1 July 1962 – 30 June 1963 58
exertion of the member (in the previous 12-month 1 July 1963 – 30 June 1964 59
period) less their share of expenses in generating 1 July 1964 or after 60
that income
c. where the insured member is not a permanent
employee working for 15 hours or more per week SALARY
in the six months prior to the date of disability: means the annual remuneration last agreed between
the average monthly income of the member over the insured member and the member’s employer.
the 12-month period immediately prior to the
date of disability; or
d. where the insured member is on employer approved
leave that is without pay or at a reduced rate of pay:
1/12th of the insured member’s annual pre-tax salary
prior to commencement of the employer approved
leave excluding director’s fees, commissions,
overtime payments, bonuses, penalty or shift
allowances, investment income, income received
from deferred compensation plans, disability income
policies or retirement plans or income not derived
from vocational activities,
unless our Insurer has expressly agreed otherwise.

38 1800 331 685
UNISUPER.COM.AU
TERMINAL ILLNESS TOTAL AND PERMANENT DISABLEMENT (TPD)

means: means while insured by us under the policy the
a. two medical practitioners have certified in writing, insured member is:
that an insured member suffers from an illness, a. unlikely to work in a suited occupation ever again
or has incurred an injury, that is likely to result ln our opinion solely because of illness or injury has
in the death of the insured member within a period suffered ill-health (whether physical or mental)
(‘the certification period’) that ends not more than which makes it unlikely that the insured member
12 months after the date of the certification will engage in gainful employment for which the
b. at least one of the registered medical practitioners insured member is reasonably qualified by education,
is a specialist medical practitioner practicing in an training or experience and, unless condition 2.4
area related to the illness or injury suffered by the of the insurance policy applies:
insured member, i. in respect of an insured member who was,
c. the illness or injury and certification referred to in at the date of disablement, gainfully employed,
paragraph (a) occur while the member has cover has been absent from gainful employment
under the policy, for six consecutive months; or
d. for each of the certificates, the certification period ii. in respect of an insured member other than
has not ended, and an insured member referred to in i. above, has
suffered the ill-health for six consecutive months;
our Insurer is satisfied, on medical or other evidence, or
that despite reasonable medical treatment, the illness b. unlikely to perform domestic duties ever again
or injury will lead to the insured member’s death within Was not, at the date of disablement, gainfully
12 months of the date of the certification. employed but was, at that date, engaged in domestic
duties and:
TERMINAL MEDICAL CONDITION i. is under the care of a medical practitioner,
(INBUILT BENEFITS) ii. unless condition 2.4 applies, is absent from
Means two registered medical practitioners* have performing domestic duties for six consecutive
certified jointly or separately that the member suffers months; and
from an illness, or has incurred an injury that is likely iii. in our opinion, solely due to illness or injury,
to result in the member’s death within 12 months of the the insured member is:
date of the certification. For each of these certificates, 1. unable to perform those domestic duties;
the certification period must not have ended. Further, 2. unable to leave home unaided; and
at least one of the registered medical practitioners 3. disabled to such an extent as to render the
must be a specialist practising in the area related insured member unlikely to perform domestic
to the illness or injury. duties or engage in gainful employment for
which the insured member is reasonably suited
* A legally qualified medical practitioner who is registered to practice
in Australia. The medical practitioner must not be related to the by education, training or experience;
member by marriage or birth. Note: this definition of medical or
practitioner for the inbuilt benefits is different from that defined c. loss of limbs and/or sight
earlier, for externally insured benefits.
ls an insured member who, immediately prior to 1 July
2014, was a member:
TOTAL DISABILITY i. with insured cover for TPD; or
For the purposes of Income Protection cover means ii. in respect of whom the in-built self-insurance
solely as a result of an injury or illness, the insured arrangements in the fund applied in the event
member is: of disablement,
a. unable to perform at least one income-producing
whose insured cover for TPD has not been discontinued
duty of their occupation (which produces at least
from the date of commencement of that cover and,
20% of the member’s pre-disability income);
in our opinion, solely because of illness or injury, has
b. not working in any occupation whether for reward
suffered the:
or not for reward; and
1. permanent loss of the use of two limbs;
c. under the regular care of a medical practitioner
2. permanent loss of total sight in both eyes; or
and is following that medical practitioner’s advice.
3. permanent loss of the use of one limb and the
permanent loss of total sight in an eye.
Definitions
For the avoidance of doubt:

a. paragraph c. ii. applies in respect of a member whose
converted cover for TPD commences after 1 July 2014
who was, immediately prior to becoming entitled
to converted cover for TPD, a member in respect
of whom the in-built self-insurance arrangements
in the fund applied in the event of disablement prior
to 1 July 2014;
b. discontinuance of cover does not include
a cessation of cover which is reinstated from
the date of cessation.
UNISUPER EMPLOYER
means an employer that has signed a formal agreement
with the Trustee. Call us to find out if your employer is a
UniSuper employer.
UPLIFT DEATH COVER

means an amount of cover equal to the difference in
value between the amount of the member’s transitioned
death cover, rounded up to the next full unit, and the
amount of that member’s transitioned death cover.
UPLIFT TPD COVER

means an amount of cover equal to the difference in
value between the amount of the member’s transitioned
TPD cover, rounded up to the next full unit, and the
amount of that member’s transitioned TPD cover.
WHOLE PERSON IMPAIRMENT

means the insured member suffers 25% Whole Person
Impairment based on the latest edition of the American
Medical Association publication ‘Guides to the
Evaluation of Permanent Impairment’, or an equivalent
guide approved by our Insurer. The ‘Guides to the
Evaluation of Permanent Impairment’ covers every
body system and provides a standardised approach
to determine impairment assessment using patient
history, physical examination and clinical tests.
The assessment of Whole Person Impairment will

be undertaken by the appropriate certified specialist
based on the insured member attaining maximum
medical recovery.
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Application for insurance
at UniSuper
ELIGIBILITY TO APPLY FOR INSURANCE COVER
Before you complete this form, read the Insurance in your super
Don’t want to complete a form?
document for detailed information on the eligibility criteria
You can apply for insurance cover by logging in to applicable and the terms, features and conditions of Death, TPD
your account at unisuper.com.au or you can arrange and Income Protection cover. Applications for cover require you to
an appointment over the phone with our Insurer by provide evidence of your health, and be approved by the Insurer.
calling 1800 331 685 . The Insurer, after assessing your application, may accept, reject
or apply loadings, restrictions and/or exclusions to your cover.
Please ensure that you’re eligible for the cover you’re applying for.
AM I COMPLETING THE RIGHT FORM? If you apply for and receive insurance cover on this form, you will
If you want to decrease your Income Protection benefit period not later receive default cover if otherwise eligible.
or increase your Income Protection waiting period, convert your For Defined Benefit Division (DBD) members only: External
unitised cover to fixed cover, or reduce your cover, complete insurance cover provided by our Insurer is in addition to any inbuilt
the Changing your insurance cover form available on our website. cover you may already have. DBD members are not eligible to
You can also cancel your cover by logging in to your account apply for Income Protection cover.
at unisuper.com.au .
WHEN WILL MY FORM BE PROCESSED?
If you’re in your first 180 days of membership and want to opt in
to insurance cover without providing evidence of your health and If you’ve provided a correctly completed form (and any certified
having it accepted by the Insurer, use the Changing your default ID or other paperwork, if required), we’ll aim to process your
options form, available in the PDS relevant to your product. request as soon as possible. Not providing correct information
may delay us processing your request. Please allow 3-5 business
If you’ve automatically received default cover and want to apply days for your form to arrive by post. We’ll contact you if we have
for additional default cover, use the Application for additional any queries in relation to your request. Our Insurer may contact
default cover form. you to obtain your consent to seek further medical information to
If you have cover with another super fund or another insurer, you process your application.
may be able to transfer this cover to us. Refer to the Transfer of
insurance cover application form, available on our website. INSURER
Insurance cover is provided by TAL Life Limited
WHICH SECTION(S) SHOULD I COMPLETE? (ABN 70 050 109 450, AFSL No. 237848).
• To apply for or increase your Death, Total and Permanent
Disablement (TPD) or Income Protection (IP) cover, complete PRIVACY INFORMATION
Sections 1–14. UniSuper and TAL recognise the importance of protecting your
• To apply for or increase your fixed cover, complete Sections 1–5, personal information and are committed to complying with our
7 and 9–14. privacy law obligations. For more information on how we collect
• To decrease your Income Protection waiting period, complete and manage your information, please refer to the ‘Your privacy
Sections 1–5 and 8–14. with TAL Life Limited’ section on page 2 (for TAL) and the Privacy
• To increase your Income Protection benefit period, complete statement (for UniSuper) at the end of this form.
Sections 1–5 and 8–14.
SECTION 1 YOUR DETAILS
> Please complete in BLACK or BLUE BALL POINT PEN using CAPITAL letters. Cross (X) where required.
Member number
Refer to your most recent UniSuper correspondence or call 1800 331 685.
Title Mr Mrs Ms Dr Professor Other

Surname
Given name(s)
Fund: UniSuper ABN 91 385 943 850 Trustee: UniSuper Limited ABN 54 006 027 121 AFSL 492806
Administrator: UniSuper Management Pty Ltd ABN 91 006 961 799 AFSL 235907
Address: Level 1, 385 Bourke Street, Melbourne Vic 3000 Issue date: November 2021
U NI S F 0 0 01 3 1 1 2 1
YOUR DUTY TO TAKE REASONABLE CARE YOUR PRIVACY WITH TAL LIFE LIMITED
When you apply for insurance, you are treated as if you are ABN 70 050 109 450 AFSL No. 237848 (‘TAL’ and, in this
applying for cover under an individual consumer insurance section, ‘we’).
contract. A person who applies for cover under a consumer
The privacy of TAL customers is important and TAL is bound
insurance contract has a legal duty to take reasonable care not
by obligations imposed by current privacy laws including the
to make a misrepresentation to the Insurer before the contract of
Australian Privacy Principles. The way in which TAL collects, uses,
insurance is entered into.
secures and discloses your personal information is set out in the
A misrepresentation is a false answer, an answer that is only TAL Privacy Policy available at www.tal.com.au/Privacy-Policy
partially true, or an answer which does not fairly reflect the truth. or free of charge on request to TAL by telephoning 1800 666 136.
This duty also applies when extending or making changes to
Collection and use of personal information
existing insurance, and reinstating insurance.
We collect personal information, including your name, age,
If you do not meet your duty gender, contact details, health information, salary, and
If you do not meet your legal duty, this can have serious impacts employment information so that we may assess and administer
on your insurance. Under the Insurance Contracts Act 1984 (Cth) our products and services to you. In certain circumstances, such
there are a number of different remedies that may be available to as applications for life insurance products and claims, we may be
the Insurer. They are intended to put the Insurer in the position required to collect personal information of a sensitive nature such
it would have been in if the duty had been met. For example, as lifestyle and medical history information. If you do not supply
the Insurer may: the information that is required, we may not be able to provide our
• avoid the cover (treat it as if it never existed) products and services to you or pay the claim.
• vary the amount of the cover, or
We may take steps to verify the information we collect; for
• vary the terms of the cover.
example, a birth certificate provided as identification may be
Whether the Insurer can exercise one of these remedies depends verified with records held by Births, Deaths and Marriages
on a number of factors, including: to protect against impersonation, or we may verify with an
• whether reasonable care was taken not to make a employer regarding remuneration information provided in
misrepresentation. This depends on all of the relevant a claim for income protection to ensure that it is accurate.
circumstances
Disclosure of personal information
• what the Insurer would have done if the duty had been met.
For example, whether it would have offered cover, and if so, We disclose relevant personal information to external
on what terms organisations that help us provide our services and may also
• whether the misrepresentation was fraudulent, and disclose some of your personal information to other parties,
• in some cases, how long it has been since the cover started. when required to do so to provide our products and services
to you, such as the following:
Before any of these remedies are exercised, the Insurer will explain • claims assessors and investigators, claims managers
the reasons for its decision, how to respond, and provide further and reinsurers;
information, and what you can do if you disagree. • medical practitioners (to verify or clarify, if necessary,
Guidance for answering the questions in this form any health information you may provide);
• any person acting on your behalf, including your financial
You are responsible for the information provided to the Insurer.
advisor, solicitor, accountant, executor, administrator, trustee,
When answering questions, please: guardian or attorney;
• Think carefully about each question before you answer. If you • other insurers;
are unsure of the meaning of any question, please ask us before • for members of superannuation funds where TAL is the insurer,
you respond. to the trustee, or administrator of the superannuation fund; and
• Answer every question. • other organisations to whom we outsource certain functions
• Answer truthfully, accurately and completely. If you are unsure during the underwriting and claims processes, such as
about whether you should include information, please include it. obtaining blood tests for underwriting purposes, rehabilitation
• Review your application carefully before it is submitted. If providers, surveillance providers and forensic accountants.
someone else helped prepare your application (for example,
There are situations where we may also disclose your personal
your adviser), please check every answer (and if necessary,
information in circumstances where it is required by law
make any corrections) before the application is submitted.
(such as to the police or Australian Tax Office), and authorised
Please note that there may be circumstances where the Insurer by law (e.g. under court orders or statutory notices).
later investigates whether the information given to it was true.
For example, it may do this when a claim is made.
Changes before your cover starts
Before your cover starts, the Insurer may ask you whether the
information that has been given as part of your application for
insurance remains accurate or whether there has been a change to
any of your circumstances. As any changes might require further
assessment or investigation, it could save time if you let us or the
Insurer know about any changes when they happen.
Page 2 of 14
SECTION 1 CONTINUED
Date of birth (DD/MM/YYYY) Gender Male Female

Daytime contact number
Email address
Residential address (not PO Box)
Suburb/Town
State Postcode
Country (if not Australia)

Is your postal address different
No. Go to SECTION 2. Yes. Please provide your postal address below.
from your residential address?
Postal address (PO Box if applicable)
Suburb/Town
State Postcode
SECTION 2 GENERAL DETAILS
Height cms OR ft ins Weight kg OR st lbs
Other than this application, do you have or are you applying for any Life, TPD, Disability Income or Group Salary Continuance insurance
with any other company?
No Yes. Provide the following details.
Company name
Type of policy
Benefit amount
If this current application is successful, do you intend to continue your insurance cover with the company above?
No Yes
Have you ever held or applied for any life, disability, accident and sickness or trauma insurance, that was declined, postponed, had the
premium increased or modified, or had a current policy cancelled or renewal refused?
No Yes. If yes, please provide details below.
Company name
Type of policy
Cover amount
From (DD/MM/YYYY)
Reason for decision
Page 3 of 14
SECTION 2 CONTINUED
State any loadings/restrictions/exclusions on previous or existing cover.
Is cover to be fully replaced?

Yes. Have you considered transferring your cover to UniSuper? You can complete the Transfer of insurance cover application form,
available on our website.
No. Provide details.
Have you claimed on any type of disability, trauma, accident and sickness or such benefits as workers’ compensation or Motor Vehicle
Third party?
No Yes. If yes, please provide details below.
Company name
Type of policy
Cover amount
Claim date (DD/MM/YYYY)
Was the claim accepted or declined? If declined, what was the reason?
To what extent have you recovered from the condition you claimed for? Recovery
%
Please complete a separate sheet if required and attach to this form.
SECTION 3 EMPLOYMENT AND INCOME DETAILS
Are you actively performing—or capable of actively performing—all of your normal duties of your usual occupation on a full-time basis
(30 hours or more per week) and free from any limitations due to illness and/or injury?
Yes No. Provide details.
Are you on employer approved leave for reasons other than illness and/or injury?
No Yes. Provide details.
Page 4 of 14
SECTION 3 CONTINUED
What’s your current occupation and what duties do you perform (including % of time spent in each)?
What’s your gross annual salary? (including employer superannuation contributions How many hours per week
and packaged items but excluding bonuses/commission) do you work?
SECTION 4 INSURANCE COVER
> See the Insurance in your super document for more information about eligibility for insurance cover.
What insurance cover would you like to apply for or change? You may be eligible to apply for multiple types of cover.
Death-only cover TPD-only cover Death and TPD cover Income Protection cover (DBD members can’t apply
for Income Protection cover)
If you don’t already have default cover and your application for Death and/or TPD cover is successful, you won’t be eligible to receive
default cover in the future.
If your application for increased cover is successful, you’ll keep your cover even if we’re not receiving regular contributions into your account.
You can cancel your cover at any time by logging into your account online.
SECTION 5 OCCUPATION RATING — PERSONAL ACCOUNT MEMBERS ONLY
Select the option that best reflects your usual type of work for your primary occupation (select one).
It’s important to make sure you select an occupation rating that reflects the duties of your usual/primary occupation. If it doesn’t,
our Insurer may update your occupation rating and/or refuse any future claim. For more information, read the Insurance in your super
document at unisuper.com.au/pds . Call us on 1800 331 685 if you’re unsure which occupation rating applies to you.
If your occupation rating changes as a result of submitting this form, the cost of any existing insurance cover you have will also change.
Before we send this form to our Insurer for assessment, we’ll process it to ensure your eligibility. If we’re unable to process this form,
there won’t be any change to your occupation rating.
If we send this form to our Insurer and you’ve indicated a change to your occupation rating, we’ll update your rating effective from
the date we receive a decision from our Insurer (even if the Insurer declines your application).
Professional/office work Heavy manual

• Professional (your work requires a university • Involves the regular use of heavy machinery or heavy equipment
qualification), administrative, managerial or • Manual labour, such as regularly bending, lifting or carrying
clerical roles heavy loads
• No regular manual work • Driving a motor vehicle for most of the day over short distances
• Your work doesn’t fall into the ‘Special risk’ • Example occupations: Labourer, Bricklayer, Cleaner, Short distance
classification (see right) courier/Driver, Farmer, Gardener/Landscaper, Tailor, Wait staff
• Example occupations: Professor/Lecturer,
Special risk
Lawyer/Solicitor, Administrator, Medical
• Duties are hazardous (risky or dangerous)
doctor, Book-keeper, IT systems operator,
• Hazardous locations or working environments such as long distance
Classroom teacher
driving, working at heights, underground, at sea, underwater or in
Light manual an aircraft
• Regular light manual work (light weight lifting, • Work in industries that rapidly change or are unpredictable, for
carrying or stocking only) example professional sportspeople, entertainers, creative artists
• No regular use of heavy machinery or and media personalities
heavy equipment • Example occupations: Crane operator, Diver, Shipyard worker,
• Example occupations: Chef, Electrician, Field Long distance bus/Truck driver, Pilot, Actor, Model, Professional
surveyor, Florist, Retail, Nurse, Physical sportsperson, Radio/TV presenter, Underground/Offshore miner,
education teacher, Plumber Social media personality
Page 5 of 14
SECTION 6 I WANT TO APPLY FOR UNITISED DEATH AND/OR TPD COVER
> If you want to apply for default cover that you may be eligible for within 180 days of being first eligible to join UniSuper, use the
Changing your default options form, available in the PDS relevant to your product. If you want to apply for fixed cover, go to SECTION 7.
How many units of Death cover do you want in total, including any units you may have already?
(The amount of Death insurance cover you can apply for is unlimited.) unit(s)
How many units of TPD cover do you want in total, including any units you may have already?
(The maximum amount of TPD cover is limited to $3 million.) unit(s)
Once you’ve completed this section, go to SECTION 8.
SECTION 7 I WANT TO APPLY FOR FIXED COVER OR INCREASE MY FIXED COVER
Note, Income Protection cover is only provided in units.

If you have unitised UniSuper Death and/or TPD insurance cover already, how many units of cover do you currently have?
unit(s) of Death cover unit(s) of TPD cover
Are you under 61 years of age?

No. You’re ineligible to convert your existing unitised cover to fixed cover.
Yes. See below.
Would you like to convert your unitised insurance cover to fixed cover?
Yes. This is a once-only election only available if you’re under age 61. You’ll be unable to elect unitised cover in the future.
No. Go to SECTION 8.
Your request will take effect when we receive your form.
If you’re applying for or wanting to increase your fixed Death and/or TPD cover, what’s the amount of fixed insurance you want to have
in total, including what you already have? (This must be rounded to the nearest $1,000 and includes any unitised or fixed cover you already
have that will be converted to fixed cover.)
Death
$ , 000 TPD
$ , 000
(Refer to the Insurance in your super document for the fixed cover premiums.)
SECTION 8 I WANT TO APPLY FOR OR CHANGE MY INCOME PROTECTION COVER
> Income Protection cover is unit-based and provided in multiples of $433 worth of cover per month (or $100 per week). The
premiums are based on age, level of cover required and benefit period and waiting periods applicable. See the Insurance in your super
document for more detailed information. Note, Income Protection isn’t available to DBD members.
If you are unemployed or not working when you apply for Income Protection cover, your application will be declined.
If you want to decrease your benefit period or increase your waiting period, complete the Changing your insurance cover form available
on our website.
If you’re applying for Income Protection cover, complete SECTION 8A and 8B.
If you already have Income Protection cover or want to increase the number of units of Income Protection cover, complete SECTION 8A.
If you want to reduce your waiting period or increase your benefit period, complete SECTION 8B.
Page 6 of 14
SECTION 8A APPLYING FOR OR INCREASING YOUR INCOME PROTECTION COVER
How many $433 per month or $100 weekly units of cover do you want to have in total, including what you already have? (Refer to the
Insurance in your super document.)
units
Please note, eligible members can select cover up to 69 units (or $29,900 per month) of Income Protection insurance cover. Note,
however, that cover cannot exceed 85% of your monthly salary (the amount between 75% – 85% to be paid directly into your super
account). All applications for additional insurance are subject to evidence of your health and must be approved by the Insurer.
SECTION 8B APPLYING FOR INCOME PROTECTION OR CHANGING YOUR WAITING PERIOD OR BENEFIT PERIOD
Which waiting period would you like to select?

30 days 60 days 90 days
Which benefit payment period would you like to select? Note, Personal Account members with an occupation rating of Heavy manual
or Special risk are ineligible for some benefit periods. Refer to the Insurance in your super document for details.
2 years 5 years to age 65
SECTION 9 HABITS AND ACTIVITIES
> Please answer all questions in this section.

Do you drink alcohol?
No Yes. State type, number of standard drinks per day and number of days per week when alcohol is consumed:
Standard drink = 1 nip spirit, 1 wine glass (100ml), 10oz/285ml beer.
Have you smoked tobacco in the past 12 months?
No Yes. State daily quantity:
Have you ever used or injected yourself with any drug not prescribed by a doctor, or received counselling or treatment for the use
of alcohol or drugs?
No Yes. You may be asked to complete a drug use or alcohol consumption questionnaire by our Insurer.
Do you currently, or do you intend to engage in any hazardous pastime and/or sporting activity such as aviation (other than as a fare
paying passenger on a commercial airline), football, scuba diving, motor sports, trail bike riding or rock climbing?
No Yes. You may be asked to complete a sports and pastimes statement by our Insurer.
Do you intend travelling outside Australia within the next two years?
No Yes. Provide details (where, when, duration and reason):
Page 7 of 14
SECTION 10 PERSONAL STATEMENT
Within the last three years have you consulted, been examined, treated by, or received advice from any doctor, psychologist, psychiatrist,
counsellor, chiropractor, physiotherapist or any other health care professional (naturopath etc.) or been in a hospital or been advised to
have an operation or taken any medication, drugs, stimulants, sedatives or tranquilisers?
No Yes. Provide details:
From (DDMMYYYY) To (DDMMYYYY)

Name/address of doctor, hospital or clinic:
Condition, medications, treatments and time off work:
To what extent have you recovered from your condition/s? Recovery

%
Have you ever had an ECG, x-ray, transfusion, mammogram, ultrasound, surgery or any other investigation?


%
Have you ever had any blood tests which revealed an abnormality, e.g. raised blood sugar, liver function, renal function results, or anaemia etc?


%
Page 8 of 14
SECTION 10 CONTINUED
Do you contemplate seeking any medical examination, advice, treatment or surgery for any other current health condition, in the future?

Condition, medications, treatments and expected time off work:

%
SECTION 11 PERSONAL STATEMENT (GENERAL MEDICAL QUESTIONS)
> Please provide details for all ‘Yes’ answers in the General medical questionnaire in SECTION 12.
Have you ever had, been advised that you had, or received advice or treatment for any of the following: No Yes
a. High blood pressure, raised cholesterol, chest pain, heart attack, rheumatic fever, stroke or circulatory disorder?
b. Bowel, stomach or intestinal problem, gall bladder, hepatitis or liver disease?
c. Epilepsy, stroke, paralysis, multiple sclerosis, fainting attacks?
d. Depression, anxiety, panic attacks, stress, chronic fatigue, fibromyalgia, or any mental or nervous condition?
e. Diabetes, sugar in urine, pancreatic or thyroid problem?
f. Cancer, tumour, melanoma, sunspots, mole or growth of any kind?
g. Disease, injury, or disorder of joints, neck, back or bones, gout, arthritis or a repetitive strain injury or tendonitis?
h. Impairment of sight, hearing or speech?
i. Asthma, bronchitis, sleep apnoea, or any lung complaint?
j. Leukaemia, haemochromatosis, anaemia, or any blood problems?
k. Kidney, prostate, or bladder problems?
l. Psoriasis, eczema, or any skin problem?
m. Any other disability, congenital abnormality, deformity, or symptoms of ill health, illness or injury?
n. Has the virus which causes AIDS (the Human Immunodeficiency Virus) ever infected you or are you carrying
antibodies to that virus?
o. Have you ever engaged in any activity/ies reasonably accepted as having an increased risk of exposure to the
HIV/AIDS virus?
Page 9 of 14
Females only No Yes
p. Have you ever had any gynaecological conditions (e.g. endometriosis, abnormal pap smear, etc)?
q. Have you ever had any complication of pregnancy or childbirth?
r. Are you currently pregnant?

If yes, what is the expected delivery date? (DDMMYYYY)
s. Have you ever had a breast lump (even if you haven’t seen a doctor about it)?
FAMILY HISTORY
Has any of your immediate family (mother, father, brother or sister), suffered from diabetes, heart disease, cancer, kidney disease,
high blood pressure, mental health condition, haemophilia, Huntington’s disease or any other hereditary disease before the age of 65?
No. Yes. Please provide details:
Relationship to you: Medical condition (e.g. breast cancer, Age when Age at death
heart attack, Type 2 diabetes): diagnosed (if applicable)
SECTION 12 GENERAL MEDICAL QUESTIONNAIRE
For all questions you answered ‘Yes’ to in SECTION 11, please fill out the table below. Please complete a separate sheet if required.
Question you answered

‘Yes’ to in SECTION 11
(e.g. A, B, etc.)
Specific condition
Date symptoms first

started and description
of symptoms
What was the condition

and which part and side of
the body was affected?
What was the medical

diagnosis including
results of x-rays and
investigations?
What was the frequency

(daily, weekly, etc.) of
attacks or symptoms?
What was the severity

(mild/moderate/severe)
and duration of attacks
or symptoms?
Page 10 of 14
How long were you unable

to work or perform your
normal duties/activities?
If a hospital visit was

required, please provide
date and duration of
your stay.
What advice/treatment
did you receive?
Are you still receiving

treatment? If so, please
advise nature and
frequency of treatment.
Date treatment/
medication ceased.
When did you last suffer

from any symptoms?
Degree of recovery (%)
Please supply the name

and address of all doctors,
hospitals or other
practitioners consulted.
SECTION 13 DOCTOR’S DETAILS
> Please provide details of your usual doctor/s.

Name of usual doctor
Surname
Given name(s)
Suburb/Town
State Postcode
Email address
Page 11 of 14
How long have you been attending this doctor? Years Months
If less than one year (12 months), please advise the name and address of the doctor who has details of your medical history.
Name of doctor
Surname
Given name(s)
Suburb/Town
State Postcode
Email address
> Please give details of your last consultation with any doctors and, if applicable, the outcome or degree of recovery.
Name of doctor
Surname
Given name(s)
Suburb/Town
State Postcode
Email address
Consultation details
Date of last consultation

(DDMMYYYY)
Reason for consultation
Outcome or degree of recovery
Page 12 of 14
SECTION 14 MEMBER DECLARATION AND SIGNATURE
> Please read Your duty to take reasonable care on page 2 and Your declaration before you sign and date your form.
YOUR DECLARATION
• I declare that the information I’ve given on this form (and any accompanying pages) is true and correct.
• I acknowledge that I’ve received, read and understood the information in my UniSuper membership PDS and in the Insurance in your
super document.
• I have read and understand Your duty to take reasonable care, understand the consequences of non-disclosure, and understand
my obligations under the Insurance Contracts Act 1984 as described above.
• I acknowledge that if I have an Accumulation 1, Accumulation 2 or Personal Account, I can read about the type of member for whom
the product has been designed in the relevant Target Market Determination available at unisuper.com.au/pds .
• I understand that all insurance cover is subject to the terms and conditions of the policies.
• I confirm that at the date of this application I’m not absent from work for reasons of illness or injury.
• I acknowledge that if I fail to provide all or part of the information required or consent to the Insurer obtaining such information,
as required, this application won’t be assessed and processed.
• I acknowledge that I’ve read and understood the privacy information at the back of this form and consent to my health and sensitive
information being collected, used and disclosed in accordance with UniSuper’s Privacy Policy to enable the Insurer to underwrite
my application for insurance cover.
• I acknowledge that cover commences on the date the Insurer accepts my application for cover.
• I acknowledge that I must maintain an accumulation component/account balance from which insurance premiums can be deducted,
in order to apply and maintain my insurance cover.
• I acknowledge that by successfully increasing my cover this constitutes an election to keep my insurance, even if I’m not receiving
regular contributions into my account.
FOR PERSONAL ACCOUNT MEMBERS

• I acknowledge that if my occupation rating changes as a result of processing this form, this will change how much I pay for
any existing insurance cover I have.
• I acknowledge that if my application is unable to be processed, any change to my occupation rating will not be recorded.
Signature Date
DD MM YYYY
Need help? Return your form together with any

For more information: additional documentation to:
• email [email protected] , or UniSuper
• call 1800 331 685. Level 1, 385 Bourke Street
Melbourne VIC 3000
PRIVACY STATEMENT
UniSuper is committed to protecting your personal information
in accordance with privacy law obligations. The information that Target Market Determination
you provide to UniSuper on this form is collected and used in A Target Market Determination (TMD) for
accordance with our Privacy Policy which can be found online at Accumulation 1, Accumulation 2 and Personal Account
unisuper.com.au/privacy . If you have any privacy related questions, is available at unisuper.com.au/pds. You can read about
please call 1800 331 685.
the type of member each of these products have been
designed for in the relevant TMD.
Page 13 of 14
This page has been intentionally left blank.
CONTACT US
1800 331 685
+61 3 8831 7901
WEBSITE
unisuper.com.au
EMAIL
[email protected]
UNISUPER ADVICE
1800 823 842
+61 3 8831 7916
ADDRESS
UniSuper
Level 1, 385 Bourke Street
Melbourne Vic 3000
Australia
Printed on environmentally responsible paper.
UNISIBR0011 1121

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The information in this document forms part of the following

You can also opt out of automatically receiving default

DEFAULT COVER YOU MAY BE ELIGIBLE FOR1

Product Default cover you may be eligible for

Accumulation 1 One unit of Death and TPD cover.

Personal Account One unit of Death and TPD cover.

If you then transfer to Accumulation 1 or Accumulation 2, your default cover

HOW DEATH AND TPD COVER IS PROVIDED:

HOW INCOME PROTECTION COVER IS PROVIDED

INCOME PROTECTION YOU CAN ELECT TO RECEIVE

Transitioned Income Protection

Income Protection cover can have a waiting period of

To increase your benefit period or decrease your

INCOME PROTECTION COVER

Our occupation ratings are:

Professional/ • Professional (your work requires a university qualification), administrative, managerial

Example occupations: Professor/Lecturer, Lawyer/Solicitor, Administrator, Medical doctor,

Example occupations: Chef, Electrician, Field surveyor, Florist, Retail, Nurse,

Example occupations: Labourer, Bricklayer, Cleaner, Short distance courier/Driver, Farmer,

Special risk • Duties are hazardous (risky or dangerous)

OCCUPATION RATINGS FACTORS

Cover type Professional/ Light manual Heavy manual Special risk

Death-only cover 1.0 1.3 1.7 2.0

TPD-only cover 1.0 1.5 3.0 5.0

Death and TPD cover 1.0 1.4 2.3 3.0

Income Protection cover 1.0 1.5 2.7 3.5

Death and TPD cover

The premium is deducted from her account

Age Death- TPD-only Death and

56 2.49 2.14 4.17 14–38 5.56 18.77 85.75

Premiums are waived if you’re receiving a disability

Age 2-year 5-year To age 65 PERSONAL ACCOUNT MEMBERS

Additional eligibility Refer to the ‘DBD members and default member

underwriting for Accumulation 1 PROVIDING EVIDENCE OF

When does cover

DBD members You’ll need to ensure your accumulation

Accumulation 2 members UniSuper, insurance commences on the date we receive

For Personal Account members who apply for default

If you join as You can elect to receive Income Cover commences

DBD members who choose Restrictions or exclusions

If you’re under age 60, transitioned cover

The table on pages 20 and 21 illustrates how

If you’re a DBD member…

HOW COVER CHANGES WHEN YOU TRANSFER BETWEEN PRODUCTS

Death and TPD insurance cover already in

If you haven’t already elected, received, or

Inbuilt benefits automatically provided

HOW COVER CHANGES WHEN YOU TRANSFER BETWEEN PRODUCTS

If you’re under age 25, or If you’re under age 25, or have an

Transitioned cover is subject to

Refer to the What happens to your inbuilt

Transitioned cover: moving from DBD to Accumulation 2 example

When else can you

Transferring cover – you’re gainfully employed (or self-employed) and

Life Events cover

Purchasing a home Certified mortgage

Subject to you meeting certain eligibility requirements,

Salary Increase cover

SECTION 5 OCCUPATION RATING — PERSONAL ACCOUNT MEMBERS ONLY