MLC Life Cover Super MLC Personal Protection Portfolio

Home assistanceIf MLC is paying you Total Disability benefits under IncomeProtection insurance and you are at home, confined tobed or the house, and dependent on home assistance ornursing care, MLC will pay you a further benefit to helpcover this care.The benefit for home assistance is the daily proportion ofyour monthly benefit if your spouse stops working full-timeto care for you at home, unless your spouse worked foryou or your employer before your disability. The benefit fornursing care is $85 per day for a hired private registerednurse who is not a member of your immediate family.The maximum benefit is the lesser of your monthly benefitor $2,500 per month, for up to six months.Transportation benefitIf you become totally disabled for at least one month whileyou are:• outside Australia, MLC will reimburse the cost oftransportation back to Australia• inside Australia, more than 100 kilometres from home,MLC will reimburse the cost of transportation back toyour home.MLC will only pay this benefit once in any 12 calendarmonthperiod, after deducting any reimbursements youare entitled to receive from other sources, and the mostMLC will pay is an amount equivalent to three times yourmonthly benefit.Occupational HIV, Hepatitis B or C Lump SumBenefit (for certain occupations only underPPP Plus)This option is only available for Income Protection Plus forcertain medical occupations (such as doctors, surgeons,dentists, nurses and ambulance officers) if you alsochoose the Extra Benefits Option. MLC or your financialadviser can tell you if you are eligible.MLC will pay you a lump sum if, while the policy is in force,you acquire HIV (Human Immunodeficiency Virus),Hepatitis B or Hepatitis C as a result of an occupationalaccident while you are performing the normal duties ofyour occupation in the health industry.The minimum benefit you can select is $25,000 and themaximum benefit you can select is 100 times yourmonthly benefit to a maximum of $500,000.You (or someone representing you) must tell MLC you maybecome infected within 14 days of the incident or that youhave become infected within 14 days of diagnosis. MLCwill send a claim form and/or instructions for submittingproof of benefit entitlement.Documented proof must be provided by you to MLC that:• the incident did happen at work and involved a definitesource of infection, including copies of the incidentreport, the names of the witnesses to the incident andconfirmation of the source of infection• the HIV, Hepatitis B or Hepatitis C is a new infection andthat seroconversion from the relevant negativeantibodies or antigens to positive antibodies or antigenshas taken place within six months of the incident, basedupon blood or body fluid samples tested by AustralianGovernment approved pathology laboratories.MLC must be allowed to independently retest the samplesand/or take further samples for testing at MLC’s cost.MLC will not pay benefits for any Hepatitis B infectioncommencing within six months after this insurance beganor was last reinstated.MLC will not pay for any HIV, Hepatitis B or C infection:• arising from intentionally self-inflicted infection• first diagnosed after you die• commencing after the appropriate government bodyhas recommended a preventative vaccine for use inyour occupation, but you have not taken this vaccine• commencing after the appropriate government bodyhas approved a treatment which makes infectioninactive and non-infectious• occurring, or sickness first appearing, before the policycommenced or was last reinstated (unless disclosed to,and accepted by, MLC as part of the application orreinstatement process).MLC will continue your Occupational HIV, Hepatitis B or Cinfection lump sum insurance until the benefit is paid oryour Income Protection Plus insurance ends.The types of insurance offeredMLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 35