MLC Life Cover Super MLC Personal Protection Portfolio

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ComplaintresolutionsIn most cases we can deal with your complaint overthe telephone. You can speak to a customer serviceconsultant by calling the MLC Client Service Centre on132 652. If we cannot resolve your complaint please writeto us at the following address and mark your envelope‘Notice of complaint’:The ManagerMLC Complaint ResolutionsPO Box 1086North Sydney NSW 2059Time limits on legal actionsNeither you nor the Trustee may take legal action for thepayment of benefits under the Policy:• less than 60 days after MLC receives all proof orinformation that MLC needs to properly considerthe claim• more than 3 years after MLC first asked for that proofor information.If we are unable to resolve your complaint within thetimeframe specified below or if you are dissatisfied withthe outcome, you may seek assistance from the followingindependent bodies:If you are insured under an LCS policy:Timeframe: 90 daysSuperannuation Complaints TribunalTelephone: 1300 780 808Website: sct.gov.auIf you are insured under a PPP policy:Timeframe: 45 daysFinancial Ombudsman ServiceTelephone: 1300 780 808Email: info@fos.org.auWebsite: fos.org.auPage 66 MLC Life Cover Super and MLC Personal Protection Portfolio PDS
PrivacyNotificationUsing and disclosingyour personal informationMLC Limited and its subsidiaries are members of theNational Australia Group (the Group). The Group includesbanking, financing, funds management, financialplanning, superannuation, insurance, broking ande-commerce organisations. This statement is an outlineof certain matters relating to the collection and handling ofyour personal information by Group organisations.Collecting your personalinformationGroup organisations will collect personal information forthe purposes of:• providing you with a product or service (includingassessing your application)• managing and administering the product or service• identifying you and protecting against fraud• verifying your authority to act on behalf of a customer• determining whether a beneficiary will be paid a benefitupon a person’s death• letting you know about products or services fromacross the Group that might better serve your financial,e-commerce and lifestyle needs or promotions or otheropportunities in which you may be interested.If you provide MLC with incomplete or inaccurate personalinformation, the Group organisation may not be able toprocess your requests and applications or manage oradminister your products or services. It may also not bepossible to tell you about other products or services fromacross the Group that might better serve your financial,e-commerce and lifestyle needs.Group organisations may disclose your personalinformation to other organisations:• involved in providing, managing or administering theproducts and services the Group offers, including thirdpartysuppliers (eg printers, posting services), otherGroup organisations, its advisers and loyalty and affinityprogram partners• who are your financial or legal advisers orrepresentatives and their service providers• involved in maintaining, reviewing and developing theGroup’s products, business systems, procedures andinfrastructure including testing or upgrading the Group’scomputer systems• involved in a corporate re-organisation or involved ina transfer of all or part of the assets or business of aGroup organisation• involved in the payments system including financialinstitutions, merchants and payment organisations• which are Group organisations which wish to tell youabout their products or services that might betterserve your financial, e-commerce and lifestyle needsor promotions or other opportunities, and their relatedservice providers, except where you tell the Group not to• as required or authorised by law and/or where you havegiven your consent.Your personal information may also be used in connectionwith such purposes. Because the Group operatesthroughout Australia and overseas, some of these usesand disclosures may occur outside your state or territoryand outside Australia.Gaining access toyour personal informationSubject to some exceptions allowed by law, you can gainaccess to your personal information. If access is denied,you will be given reasons for this. In some cases, yourrequest may be dealt with over the telephone. For moreinformation about your personal information and privacy,please call the MLC Client Service Centre on 132 652.How it all worksMLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 67
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Policy FeesThese fees apply to:•
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Policy fees as at20 May 2013Policy
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Upgrades (continued)Type of insuran
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Policy fees as at21 May 2012Policy
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Making sure you’rewell protectedW
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Summary ofpolicy upgradesat a glanc
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ProductupgradesImprovements to Tota
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ProductupgradesNew! Child Support B
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ProductupgradesImproved definitions
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ProductupgradesIncome Protection -
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Insurance from MLCImportant informa
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Policy fees as at12 November 2010Po
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This page has been left blank inten
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Welcome to MLCAt MLC we protect you
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Contents1You’re makingthe right c
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You’re makingthe right choicewith
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Tailoring your insuranceWe also und
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The typesof insuranceofferedMLC Lif
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Life CoverinsuranceLife Cover insur
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How does a claim affect your insura
Page 41 and 42: How can you structure TPD andLoss o
Page 43 and 44: Critical IllnessinsuranceCritical I
Page 45 and 46: Critical conditionCriticalIllnessSt
Page 47 and 48: Additional critical conditions forw
Page 49 and 50: Information common toLife Cover, To
Page 51 and 52: During the first six months after c
Page 53 and 54: IncomeProtectioninsuranceIncome Pro
Page 55 and 56: When will MLC pay?Total DisabilityT
Page 57 and 58: What features are built in?Choice o
Page 59 and 60: Extra Benefits Option (for PPP Plus
Page 61 and 62: Home assistanceIf MLC is paying you
Page 63 and 64: BusinessExpensesinsuranceFor PPP (o
Page 65 and 66: How does Business Expensesinsurance
Page 67 and 68: When won’t MLC waive?MLC will not
Page 69 and 70: How itall worksMLC Life Cover Super
Page 71 and 72: When does your insurance start?If M
Page 73 and 74: How is your first premium treated?A
Page 75 and 76: Government chargesMLC and the Trust
Page 77 and 78: Contributing toMLC Life Cover Super
Page 79 and 80: Using yourinsuranceHow to claimMLC
Page 81 and 82: MLC Life Cover SuperHow can you con
Page 83 and 84: Who should use MLC Super Estate Opt
Page 85 and 86: Accessing yourMLC Life Cover Super
Page 87 and 88: MLC Life Cover SuperWhen is your fi
Page 89 and 90: Changing,replacing, transferring,re
Page 91: Transfers out of MLC LifeCover Supe
Page 95 and 96: DefinitionsMLC Life Cover Super PDS
Page 97 and 98: Gainfully employedKey person / reve
Page 99 and 100: Total and PermanentDisability (TPD)
Page 101 and 102: Critical IllnessDefinitionsCritical
Page 103 and 104: HIV contracted throughyour workInte
Page 105 and 106: Severe osteoporosisSevere rheumatoi
Page 107 and 108: Diagnosed multiplesclerosisDiagnose
Page 109 and 110: Interim AccidentInsurance Certifica
Page 111 and 112: Your application for LCS and/or PPP
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