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Welcome to RBF
Retirement Benefits Fund
Welcome to RBF
Information in this brochure is current as at 1 July 2011
Retirement Benefits Fund

Welcome to RBF
Table of
contents
1 RBF’s commitment
Tasmanian Accumulation
Scheme
2 Contributions
Chris (Firefighter), RBF member
Super Co-contribution
How much is enough?
3 Investment Account
4 Can I choose how
my superannuation
is invested?
What charges will I pay?
5 What retirement benefits
will I receive?
6 The RBF Board
Right to appeal
RBF Board decisions
7 Death and
Incapacity Cover
10 Feedback
Further information
On the cover
Nicole (Admin Assistant),
RBF member
Important information
This document is issued by the
Retirement Benefits Fund Board
(ABN 97 224 593 931). The Retirement
Benefits Fund Board is trustee of
the Retirement Benefits Fund (ABN
51 737 334 954). The information in
this document is for members of the
Tasmanian Accumulation Scheme.
RBF is not licensed to give financial
product advice. This document does
not include any personal advice and
is for general purposes only. As the
information and examples do not take
your personal financial objectives into
account, you should consider how
the information relates to your own
situation and needs. We recommend
that you speak with a financial
adviser before making any decisions
concerning your superannuation and
where appropriate, obtain a copy of
RBF’s most recent Member Report.
The Report and more information
is available on RBF’s website
www.rbf.com.au or by calling the
RBF Enquiry Line on 1800 622 631.
You can request financial advice from
RBF Financial Planning Pty Ltd by
calling 1300 378 057. RBF Financial
Planning Pty Ltd (ABN 17 094 816 412,
AFS Licence No 239171) is a wholly
owned subsidiary of RBF and operates
as a separate legal entity from RBF.
While we’ve tried to provide accurate
and up-to-date information, things
may have changed since the time
this document was published. Some
information may no longer be correct.
As we must comply with our governing
legislation and the Tasmanian
Accumulation Scheme Trust Deed,
the Trust Deed and legislation will
be the final authority.
The privacy of your personal
information is important to RBF.
We understand the need for
confidentiality. RBF will hold your
personal information securely and
use it only for the purposes described
in the RBF ‘Privacy Policy’ available
at www.rbf.com.au.
Your personal information (including
sensitive health information) may
be transferred between RBF, RBF’s
administrator Mercer (Australia) Pty Ltd
(ABN 32 005 315 917), RBF Financial
Planning Pty Ltd (ABN 17 094 816 412)
and the Colonial Mutual Life Assurance
Society Limited (ABN 12 004 021 809)
trading as CommInsure, the Insurer.
Certain personal information
which you provide to RBF may be
provided to your employing agency.
RBF will not, however, provide your
benefit entitlement information to
your employer.
Service providers such as the
Administrator and the Insurer may
obtain or access your personal
information on behalf of RBF (for
example, collection of information
relevant to assessment of applications
to increase insurance cover or
collection of information relevant to
the assessment of applications for
payment of insured benefits). The
privacy of your personal information is
protected by confidentiality and privacy
clauses contained in all contractual
agreements with each service provider.

Welcome to RBF 1
Look after
your super
and it will look
after you
RBF’s commitment
RBF wants to make sure that our
members and their families enjoy
a successful retirement. RBF helps
members achieve this by providing
competitive returns, flexible products
and services. RBF is the ‘fund of
choice’ for most Tasmanian public
sector employees.
Benefits that last
a lifetime
If you leave the Tasmanian public
sector you can remain an RBF member
by using the Investment Account.
This means you can continue to
make personal contributions to your
Investment Account and access many
of the benefits that RBF offers while
you are eligible to contribute to super.
Please note that your employer can
no longer make your Superannuation
Guarantee payments to RBF once you
leave the public sector.
Even though I
have changed my
career, I chose to
stay with RBF.
Lee (Student Paramedic),
RBF member
Tasmanian
Accumulation
Scheme
The Tasmanian Accumulation Scheme
is an RBF superannuation scheme.
It was introduced for people who
became Tasmanian public sector
employees after 14 May 1999 and
is the default scheme for all public
sector employees.
If you are a public sector employee
and not a member of the Tasmanian
Accumulation Scheme or the
Contributory Scheme, you can join
the Tasmanian Accumulation Scheme
at any time.
The advantages of joining are:
prompt, personalised service
strong, long-term investment
performance
a range of Member Investment
Choice options
flexible Death and Incapacity
Cover when you elect RBF to
receive your Superannuation
Guarantee (SG) contributions,
no entry fees, exit fees
or commissions
competitive administration fees
rollovers accepted from other
superannuation funds.
Flexible product
features and services
Tasmanian Accumulation Scheme
members can access a wide range
of RBF products and services:
online access to your super account
an Investment Account for you and/
or your spouse
personal contributions
salary sacrifice
an Allocated Pension
a Life Pension*
statewide seminars, workshops
and interviews
financial planning advice through
RBF Financial Planning Pty Ltd.
* access to an Life Pension is for members who
commenced their RBF account prior to 15 May 1999
and retained a financial interest in RBF since then.

2 Welcome to RBF
Investing in
super could
get you where
just saving
never will
Contributions
Employer contributions
Your employer makes contributions to
your superannuation each pay period.
These are called Superannuation
Guarantee (SG) contributions and they
are paid into your Investment Account.
These contributions are calculated
at the rate of nine per cent of salary.
Salary sacrifice contributions are also
counted as employer contributions.
There is a limit on how much your
employer can contribute to your super
fund each year. If your employer
contributions limit is exceeded, you
will have to pay tax on the excess
contributions at the top marginal rate
plus Medicare levy.
Employer contributions limit
Your contributions
If you are a Tasmanian Accumulation
Scheme member who is a
Tasmanian public sector employee
you automatically pay contributions
of five per cent of salary into your
superannuation. This amount will
be deducted from your salary, unless
you elect in writing to contribute at
another rate or you elect to make
no contributions. Elections to vary or
cease personal contributions should
be forwarded direct to your employer.
Personal contributions are paid into
your Investment Account.
You can contribute to super by:
salary deductions by either salary
sacrifice (counted towards your
employer contributions limit and
not your personal contributions limit)
or post-tax contributions
individual payments
(by cheque or Bpay ® )
rolling over money from another
superannuation fund.
There is a limit on how much you can
contribute to your super each year.
The personal contributions limit is
$150,000 each year or $450,000 over
three years for members under the age
of 65. These limits apply to the total
amount contributed for one person,
even if you contribute to more than one
account or super fund. An individual
contribution that exceeds the three-year
contribution limit cannot be accepted
and will be returned to you.
Personal contributions limit
Age under 65 $150,000 per year per
person or $450,000
over three years
Age 65
and over
$150,000 per year per
person after passing a
work test
How much is enough?
There are many views on this –
but the answer depends on you.
It depends on what age you start
paying superannuation, how much
you earn, how long you work, whether
you take long periods of leave, such
as parental leave – and what you want
for a comfortable retirement. You start
with your employer contributions of nine
per cent of your salary. You can make
additional personal contributions in lump
sum cash payments or as a percentage
of your salary, it is up to you.
The percentage of salary you need
to contribute to accrue a lump sum
of about $400,000 varies with age,
salary and length of service.
You should note that if you wait until
you are aged 60 or over to retire, your
accumulated superannuation savings
in the Tasmanian Accumulation
Scheme will be free from tax.
Age under 50
Age 50 to 75
$25,000 per year
$50,000 per year
(transitional arrangement
from 1 July 2007 to
30 June 2012)
Super Co-contribution
The Super Co-contribution is a
Commonwealth Government initiative to
assist people to save for their retirement.
If you are eligible* and make personal
contributions into your super, the
Government will also contribute to your
super up to certain limits.
This means that if you make personal
contributions* into the Investment
Account, up to $1,000 could be paid
into your superannuation by the
Commonwealth Government.
Super Co-contributions do not count
towards your personal contributions limit.
*Eligibility conditions including (but not limited to)
income thresholds, personal contribution levels and
age limits apply.
Percentage of salary you need to contribute per annum
to accrue a lump sum of $400,000
Age at entry
Salary
Age 60
retirement
Age 65
retirement
30 years $35,000 10.44% 5.85%
$45,000 6.42% 2.85%
$55,000 3.86% 0.94%
40 years $35,000 27.76% 17.20%
$45,000 19.89% 11.68%
$55,000 14.89% 8.16%
50 years $35,000 83.28% 45.96%
$45,000 63.07% 34.05%
$55,000 50.21% 26.47%
Note: Assumes a real rate of return of 4.5% a year compounding fortnightly. SG contributions of 9% of salary
plus personal contributions as in table. No adjustments have been made for inflation or salary growth.
The table above is intended as a guideline only and does not suggest that $400,000 is the optimum amount
on which to retire.
® Registered to BPAY Pty Ltd ABN 69 079 137 518

Welcome to RBF 3
Excellent
service and
great returns
Investment Account
The Investment Account offers:
strong long-term investment
performance
Member Investment Choice
no entry fees, exit fees
or commissions
competitive administration fees
flexible Death and Incapacity
Cover when you elect RBF to
receive your Superannuation
Guarantee (SG) contributions,
online access to your super account
flexibility to contribute
ability to rollover money from
other superannuation funds
excellent service.
The Investment Account is a
superannuation savings account.
Preservation rules apply. This means
that you usually cannot withdraw
money from the account until you
reach preservation age and retire
from the workforce (see the table
on page 5).
If you would like further information,
please read our ‘Investment Account’
fact sheet. The annual Member Report
also contains more information about
the Investment Account.
How can I make
contributions to the
Investment Account?
Tasmanian Accumulation Scheme
members can make personal
contributions to their super, but first
you need to make sure you have
provided your Tax File Number (TFN)
to RBF. Personal contributions cannot
be accepted unless RBF has your TFN
on file. Your personal contributions
to the Investment Account can be as
RBF has been proactive
in keeping me informed
of my superannuation
package.
Colin (Inspector), RBF member
little or as much as you like up to the
contribution limits. You can start or
stop making payments at any time.
You can make contributions by:
individual payments
rolling over money from another
superannuation fund
contributing to your spouse’s
Investment Account
salary sacrifice – if your employment
conditions allow this.
Your personal contributions will be tax
free when you retire after reaching your
preservation age (see page 5 to find
your preservation age).
Rollover to the
Investment Account
You can rollover superannuation
from other funds into the Investment
Account. If you have superannuation
with a number of funds you could be
paying multiple administration fees.
By rolling over your money to the
Investment Account, you may be able
to reduce the amount you pay in fees
and simplify your superannuation.
Rollovers into the Investment Account
do not count towards your personal or
employer contributions limits, unless
the rollover contains contributions paid
in the current financial year.

4 Welcome to RBF
Your super,
your choice,
your RBF
Can I choose how
my superannuation is
invested?
As a member of the Tasmanian
Accumulation Scheme you have
access to Member Investment Choice
(MIC). With MIC you can choose an
investment strategy to suit your needs.
MIC offers a broad range of investment
options with different levels of
projected risk and return. Risk is the
amount by which the value of your
investment is likely to fluctuate in
any given period. Return is the money
you make on your investments.
You can choose to invest your
money in one investment option
or in a number of options. You can
switch between options as often as
you like. If you do not choose an
investment option, RBF will invest your
contributions in the default investment
option called RBF Actively Managed.
If you would like to know more about
RBF’s MIC options or the impact of
basic investment principles such
as risk and return on your account
balance, please visit the RBF website
at www.rbf.com.au or call the RBF
Enquiry Line on 1800 622 631.
I have found RBF
easy to deal with and
very professional.
Nick (Custodial Officer), RBF member
What charges will
I pay?
RBF does not charge entry fees, exit
fees or commissions.
RBF charges an administration fee and
an investment management fee. Each
MIC option has a different investment
management fee.
The administration fee will be deducted
directly from your account balance.
The investment management fee and
any taxation payable on investment
earnings will be deducted from gross
investment earnings before they are
credited to your account.
The RBF Board’s current policy is that
switching between MIC options is
free of charge.
Information about fees is published on
RBF’s website at www.rbf.com.au. For
further information please contact the
RBF Enquiry Line on 1800 622 631.
Your choice – select MIC
options to fit your lifestyle,
your values and your
attitude to risk...

Welcome to RBF 5
Don’t just
retire, have
something to
retire with
What retirement
benefits will I receive?
You can take a benefit from your
Investment Account when you reach
preservation age and retire from the
workforce. If you wait until you are 60
or older before you retire, all of your
benefit from your Investment Account
will be tax-free.
Preservation age
Date of birth Preservation
age
Before 1/07/60 55
1/07/60 – 30/06/61 56
1/07/61 – 30/06/62 57
1/07/62 – 30/06/63 58
1/07/63 – 30/06/64 59
After 30/06/64 60
Spouse who has
65
never worked
If you need further information about
your retirement benefits, contact
RBF for:
retirement information
a free personal interview
arrangement of a workplace visit.
How is my benefit
calculated?
Your benefit is a lump sum equal to the
balance in your Investment Account.
The balance of your account includes:
your employer contributions
(SG and salary sacrifice
contributions); plus
your personal contributions; plus
any rollover benefits; plus
any Super Co-contribution
payments; plus
your investment returns (which are
net of investment management fees,
and tax); less
the cost of Death and Incapacity
Cover, administration fees and
applicable taxes.
When can I be paid
a benefit?
Generally superannuation is paid when
you retire from the workforce and have
reached preservation age, or because
of death, diagnosis of terminal illness
or permanent incapacity.
You may be entitled to receive a
superannuation benefit under transition
to retirement. Under transition to
retirement some employees are able
to work, earn a salary and receive
a pension.
Kerri (Community Nurse), RBF member
Early release of benefits
The early release of benefits is only
permitted in very limited circumstances if:
you have been receiving an income
support benefit for at least 26 weeks
without any break. You must have a
letter confirming this from the agency
(e.g. Centrelink) that pays you; and
RBF is satisfied that you are unable
to meet reasonable and immediate
family living expenses. On this basis
RBF may release one payment to a
maximum gross amount of $10,000
to you in any 12-month period;
OR
you meet the criteria specified
for compassionate grounds.
Resignation
or redundancy
If you resign or are made redundant
from the Tasmanian public sector, your
Investment Account will remain in place
and your funds will be invested in the
same Member Investment Choice
options. However, you will no longer
be covered for Death and Incapacity.

6 Welcome to RBF
The RBF Board
The RBF Board (the Board) is the sole
trustee of RBF. The Board manages
the Tasmanian Accumulation Scheme
to provide retirement benefits
for members. The Tasmanian
Accumulation Scheme is managed
in accordance with the Tasmanian
Accumulation Scheme Trust Deed
and other legislative requirements.
The Board has seven Board Members.
The Governor appoints the Board
Members for a term not exceeding
three years. Of these Board Members:
one is an independent President
nominated by the Treasurer with
agreement of the Tasmanian Trades
and Labor Council (now operating
as Unions Tasmania);
three are nominees of the Treasurer;
two are elected by RBF members.
The Tasmanian Electoral Office
conducts elections for these two
Board Members using a postal
ballot system; and
one is a nominee of the Tasmanian
Trades and Labor Council (now
operating as Unions Tasmania).
Suspension or removal
of Board Members
The process for suspending and
removing a Board Member is set out
in the Retirement Benefits Act 1993.
1. The Governor may suspend a
Board Member for any of the
following:
misconduct
incompetence
inefficient administration
after receiving a recommendation
from the Australian Prudential
Regulation Authority.
2. A Board Member is taken to have
vacated office if he or she either:
dies
becomes bankrupt
is absent from three consecutive
ordinary meetings of the Board
without reasonable notice – unless
on leave granted by the Minister
RBF gave me valuable
information about
superannuation and
retirement planning.
Ken (Radio Room Officer), RBF member
becomes unable to perform
competently the duties of the office
is convicted of a crime or offence
which is punishable in Tasmania
by imprisonment for 12 months
or more or has been sentenced
to imprisonment following
any conviction
resigns
was appointed through holding a
particular office and the member
ceases to hold that office.
3. Where a Board Member has been
elected or chosen in accordance
with the regulations, the Governor
may remove that person if
satisfied that he or she is no
longer qualified to be elected
or chosen.
4. The Governor may revoke a Board
Member’s appointment if satisfied,
on the advice of the Treasurer
given on the recommendation of
the Board, that, if that person were
to remain as a Board Member,
the Board would not meet the
standards relating to fitness and
propriety prescribed under the
Commonwealth’s Superannuation
Industry (Supervision) Act 1993.
Right to appeal RBF
Board decisions
If you make an application to the Board
and you disagree with a preliminary
decision which RBF makes, you should
follow the steps below:
write to RBF within 21 days of
RBF informing you of its preliminary
decision. You should provide any
further evidence in support of
your application
RBF will reconsider your application,
taking into account the additional
information provided
before a final decision is made, you
will have the opportunity to appear
and be heard before the Board.
You and your legal representative,
or another person of your choice,
can attend the hearing
the Board will consider your
application and make a
final decision.
If you disagree with the Board’s final
decision you can ask the Board
to make an application to the
Supreme Court.
For more information, contact the
RBF Enquiry Line on 1800 622 631.

Welcome to RBF 7
Protect your
future with
RBF Death
and Incapacity
Cover
Advantages of having
Death and Incapacity
Cover:
you can choose a level of cover
which suits you
it covers you seven days a week,
24 hours a day
you have security for you and
your family.
RBF’s life insurance cover provides
an insured lump sum benefit in the
event of your:
Death;
Diagnosis of a Terminal Illness; or
Total and Permanent Incapacity.
RBF’s income protection insurance
cover or salary continuance cover
provides for the payment of a
Temporary Incapacity pension of up
to 75 percent of your salary for up to
two years in the event that you are
unable to work due to the existence
of a sickness or injury which
causes you to be totally disabled or
partially disabled but not totally and
permanently disabled.
Do I have Death and
Incapacity Cover?
If you are a public sector employee
under age 60 and your public sector
employer pays Superannuation
Guarantee (SG) contributions to
your Investment Account you will
be automatically provided with basic
(100%) Death, Terminal Illness,
Permanent Incapacity and Temporary
Incapacity insurance cover without
having to provide any medical
evidence as to your health.
You are not eligible for automatic
insurance cover if you have previously
received Permanent, Partial and
Permanent or Terminal Illness benefits
from RBF.
If your Investment Account is opened
only to receive a rollover-in from another
super fund (and no employer SG
contributions), you will not be provided
with insurance cover.
Further details, including information
on how to increase your insurance
cover and the eligibility criteria for
automatic insurance cover and
the payment of insured benefits,
is contained in the ‘Tasmanian
Accumulation Scheme - Death and
Incapacity Cover’ brochure available
on the RBF website www.rbf.com.au
or by contacting the RBF Enquiry Line
on 1800 622 631.
How are benefits
calculated?
Temporary Incapacity
The Temporary Incapacity Pension is
75 percent of your salary. The pension
is paid monthly in arrears for up to
two years. Continued payment of
the Temporary Incapacity Pension
is subject to the completion and
outcomes of regular medical and
income reviews.
Your pension may be reduced where
you receive other income, including
income from employment, carrying on
a business and other disability benefits
or income paid as a consequence of
your injury or illness.
Death, Terminal Illness and
Permanent Incapacity
A Permanent Incapacity, Terminal
Illness or Death Benefit is paid as a
lump sum. This can be converted to
an Allocated Pension.
The insured component of your
Death, Terminal Illness and Permanent
Incapacity benefit is calculated by
reference to a formula that considers:
your public sector salary for
the 12 months before your death
or retirement;
your level of Death and
Incapacity Cover;
the number of days from the date of
disablement or retirement until you
reach age 60; and
the rate of employer Superannuation
Guarantee contributions.
Who can be paid
a Death Benefit?
If you die before you retire, a death
benefit will be paid to your surviving
spouse or your registered carer, unless
you have registered a valid election
with RBF to have all or part of your
benefit paid to your estate.
For RBF purposes, surviving spouse
means your widow or widower and
includes a person with whom you were
in a significant relationship within the
meaning of the Relationships Act 2003,
but only where that person was living
on a genuine domestic basis with you
at the time of your death or in receipt of
significant financial support from you.
Under the Relationships Act 2003, a
significant relationship is between two
adults who:
have a relationship as a couple; and
are not married to one another or
related by family, as defined in the
Relationships Act 2003.
If you do not have a surviving spouse
at the time of death but have a
registered carer, your death benefit is
payable to your registered carer.
Registered carer means a person,
other than a surviving spouse, with
whom you were in a caring relationship
which was subject to a deed of
relationship registered under Part 2
of the Relationships Act 2003.
If you do not have a surviving spouse
or a registered carer the death benefit
is payable to your estate.
You should note, a death benefit paid
to your estate is taxed differently to a
death benefit paid to your surviving
spouse or registered carer. You may
wish to seek advice from your lawyer
or a financial adviser before making
such an election.

8 Welcome to RBF
Levels and cost
of Death and
Incapacity Cover
If your employer contributes SG
contributions to your superannuation,
these contributions are at the rate of
nine per cent of salary. The cost of
Basic (100%) Death and Incapacity
Cover is only 6.12% of your SG
contribution. RBF automatically
deducts this amount from your
Investment Account.
If you choose a different level of
cover, RBF will deduct the appropriate
premium* from your account.
The table below shows the cost
of each level of cover.
Level of Death
and Incapacity
Cover
Cost as a
percentage
of your SG
contribution
0% (no cover) 0%
50% of basic cover 3.62%
100% of basic cover 6.12%
(default cover)
150% of basic cover 8.62%
200% of basic cover 11.12%
250% of basic cover 13.62%
300% of basic cover 16.12%
*Death and Incapacity premium rates are subject to
regular review.
For clarification around your personal
cover, please call the RBF Enquiry Line
on 1800 622 631.
How much Death and Incapacity Cover do I need?
RBF offers 50% to 300% cover. Varying your cover will not affect your Temporary
Incapacity Pension.
If you only have Basic (100%) cover, your potential benefit may not be enough.
Increasing your level of Death and Incapacity Cover will increase your potential
Death, Terminal Illness or Permanent Incapacity benefit. The Insurer may impose
specific individual exclusions, restrictions and conditions in relation to the increased
cover. Your Temporary Incapacity benefit will continue to be 75% of your salary.
To increase your cover you will need to complete the ‘Tasmanian Accumulation Scheme –
Adjusting your insurance cover’ form. All increases to your insurance cover are subject
to acceptance by the Insurer.
Example
Your insured Death, Terminal Illness and Permanent Incapacity benefits increase
when you choose a higher level of cover. Bev is 36 years old. This means her
prospective service to age 60 is 24 years. She has $14,500 in her Investment
Account to add to her calculation of insured amount. Her salary is $42,000 pa.
If Bev had basic (100%) Death and Incapacity Cover, the insured component of
her death, terminal illness and permanent incapacity benefit would be $90,720,
providing a total benefit of $105,220. If Bev had 200% of basic cover, the insured
component of her death, terminal illness and permanent incapacity benefit would
be $181,440, providing a total benefit of $195,940.
Balance of
Investment
Account
Level of
cover
Calculation of insured amount
Total benefit
$14,500 50% 0.5 x ($42,000 x 9% x 24) = $45,360 $59,860
$14,500 Basic 100% 1.0 x ($42,000 x 9% x 24) = $90,720 $105,220
$14,500 150% 1.5 x ($42,000 x 9% x 24) = $136,080 $150,580
$14,500 200% 2.0 x ($42,000 x 9% x 24) = $181,440 $195,940
$14,500 250% 2.5 x ($42,000 x 9% x 24) = $226,800 $241,300
$14,500 300% 3.0 x ($42,000 x 9% x 24) = $272,160 $286,660

Welcome to RBF 9
When does my Death
and Incapacity
Cover cease?
Unless you are receiving a Temporary
Incapacity Pension, or are in receipt
of a regular benefit in accordance
with the Workers Rehabilition and
Compensation Act 1988, your Death
and Incapacity Cover will cease if any
of the following occurs:
the day RBF receives your
election not to have Death
and Incapacity Cover
the day after you cease employment
with your public sector employer
four months after RBF receives
the last SG contribution from
your employer
twelve months after RBF receives
the last SG contribution from your
employer if you have been on sick
leave without pay or parental leave
the day you cease to be a
member of the Tasmanian
Accumulation Scheme
on joining an alternative
superannuation fund or RSA
on the day you reach age 60
the day on which a death, terminal
illness or permanent incapacity
benefit becomes payable in
accordance with the Trust Deed
30 days has expired since your
account balance reached zero.
If more than one of these events
occurs, your cover will cease from
the earliest date.
Pandemic Illness
You are not entitled to the payment
of an insured death benefit if:
on the date your insurance cover
commences, recommences or
increases you are suffering from
a Pandemic Illness which is the
subject of a notice issued by the
Insurer to RBF; and
you die from the Pandemic Illness
within 30 days of your insurance
cover commencing, recommencing
or increasing (but only the increased
benefit is not payable).
The Pandemic Illness exclusion
ceases to apply after the expiry of
the 30 day limitation.
The Pandemic Illness exclusion does
not impact your Permanent Incapacity
or Temporary Incapacity benefits.
Important information
for members who are
currently considering
leaving the public sector
Please note that if you are no longer a
public sector employee, you no longer
have the right to make an application
for payment of insured benefits.
If you are planning to make a claim,
you must be a current public sector
employee who has Death and
Incapacity cover in order to be eligible.
There’s more information about
claiming your benefit on the RBF
website at www.rbf.com.au where
you can also find information about
the relevant RBF legislation.
About the Insurer
RBF has appointed the Colonial
Mutual Life Assurance Society Limited
(ABN 12 004 021 809) trading as
CommInsure (the Insurer) to provide
income protection (Temporary
Incapacity) and life insurance cover
(Death, Terminal Illness and Permanent
Incapacity) to eligible members of the
Tasmanian Accumulation Scheme.
The RBF Board as trustee of the
Tasmanian Accumulation Scheme
owns a group life insurance policy and
a group income protection insurance
policy issued and underwritten by
the Insurer.
The RBF Board provides insurance
cover to eligible members subject
to the terms and conditions of the
relevant group insurance policy and
the Tasmanian Accumulation Scheme
governing rules. The RBF Board
is responsible for enforcing rights,
remedies and benefits under the group
insurance policies for the benefit of
insured members.
If for any reason the Insurer limits,
restricts or refuses to consider, defers
or denies an insurance claim in whole
or in part, the RBF Board may adjust
your benefit to take account of the
reduction or non-payment of
insurance proceeds.
I have appreciated
the low fees and
flexibility RBF
offers, along
with the ongoing
assistance of
their staff.
Ian (Retiree), RBF member

10 Welcome to RBF
Feedback
RBF welcomes all feedback from
members. Member feedback can
help RBF to provide you with a better
service. RBF is committed to settling
any member complaints or concerns
quickly and fairly. If you have any
complaints, concerns or feedback,
please contact the RBF Enquiry Line
on 1800 622 631.
Further
information
More information about RBF’s
management and financial condition
and investment performance is
contained in the Member Report.
RBF will send you:
an annual Member Benefit Statement
information about RBF’s investment
performance
information about RBF’s products
and services.
You could also explore your
superannuation options by reading
one of RBF’s fact sheets or brochures.
You can visit the RBF website to view
these publications, or logon to access
your personal account details at
www.rbf.com.au.
RBF Complaint
At RBF we strive to ensure our
members receive the best possible
service at all times, but sometimes
our service might not meet your
expectations. For this reason,
RBF has a comprehensive complaint
process to address member concerns.
Members who may be unhappy
with the way RBF has handled an
administrative matter are encouraged
I willingly contribute
extra money to my
superannuation to
help me maintain a
comfortable lifestyle
once I retire.
Irene (Cashier), RBF member
to contact the RBF Enquiry Line
on 1800 622 631 and explain their
concerns. We are keen to ensure our
service is of the highest quality at
all times and will assist members in
finding an acceptable resolution.
Where the member’s concerns have
not been addressed, they can write to:
RBF Reviews and Complaints Officer
Retirement Benefits Fund Board
GPO Box 446
HOBART TAS 7001
If a member’s complaint has been
investigated and they are not satisfied
with the response provided by RBF,
the member has the option of lodging
a complaint with the Tasmanian
Ombudsman. The Ombudsman
can be contacted via email at
ombudsman@ombudsman.tas.gov.au
or by calling 1800 001 170.
Further information about RBF’s
complaint process can be found at
www.rbf.com.au or by contacting RBF.

Notes
Welcome to RBF 11

12 Welcome to RBF
Notes

Related documents
‘Tasmanian Accumulation Scheme – Death and
Incapacity Cover’ brochure
‘Tasmanian Accumulation Scheme – Adjusting
your insurance cover’
‘Tasmanian Accumulation Scheme – Application
to make lump sum contributions’ form
‘Super Co-contributions’ fact sheet
‘RBF Member Investment Choice’ brochure
‘Tasmanian Accumulation Scheme –
Changing your investment options’ form
‘Tasmanian Accumulation Scheme – Apply for
spouse membership’ form
‘Tasmanian Accumulation Scheme –
Rollover form’
Contacting RBF
Contact RBF if you would like additional
information or assistance.
RBF Enquiry 1800 622 631 or
Line: +61 3 8687 1863 (international)
Visit:
Fax:
www.rbf.com.au
(03) 9245 5827 or
+61 3 9245 5827 (international)
Write: RBF, Reply Paid 446,
Hobart TAS 7001
Offices:
39 Sandy Bay Road, Hobart
Level 1, 87 George Street,
Launceston
RBF13831_Welcome to RBF brochure_0611
AL/B/00105 (V10-10/11) Issued by Retirement Benefits Fund Board ABN 97 724 593 931 as Trustee for Retirement Benefits Fund (RBF) ABN 51 737 334 954.