Member Information Booklet - REI Super

definition of ‘total and Permanent
disablement (tPd)’
The Fund’s Trust Deed states that the definition of Total and
Permanent Disablement is that in the Trustee’s insurance
policy. This definition applies to members who hold TPD cover
with REI Super.
You suffer Total and Permanent Disablement if:
A. When you are employed in permanent employment for at
least 15 hours per week, or were employed in permanent
employment for at least 15 hours per week within the
12 months prior to your date of disablement, and you:
(i) suffer the permanent loss of use of 2 limbs or the sight of
both eyes or the loss of use of one limb and the sight of
one eye (where limb is defined as the whole hand or the
whole foot); or
(ii) have been absent from your occupation with your
employer through illness or injury for 6 consecutive
months, and have provided proof to the satisfaction of us
that you have become incapacitated to such an extent as
to render you unlikely ever to engage in or work for reward
in any occupation or work for which you are reasonably
qualified by reason of education, training or experience; or
B. When you are employed less than 15 hours per week, or have
not been in permanent employment for at least 15 hours per
week within the 12 months prior to your date of disablement,
and you:
(i) suffer the permanent loss of use of 2 limbs or the sight of
both eyes or the loss of use of one limb and the sight of
one eye (where limb is defined as the whole hand or the
whole foot); or
(ii) through Illness or Injury, and having provided proof, to the
satisfaction of us, are permanently unable to perform at
least 2 of the following 6 basic activities of everyday living:
> Bathing – to shower or bathe;
> Dressing – to dress or undress;
> Toileting – to use the toilet, including getting on and off;
> Feeding – to eat and drink;
> Mobility – to get out of a bed or a chair or a wheelchair;
or
> Continence – to control bladder and bowel function.
If you can perform the activity by using special equipment,
you will be considered able to undertake that activity; or
(iii) through Illness or Injury, and having provided proof, to
the satisfaction of us, you suffer from the permanent
deterioration or loss of intellectual capacity that has
required you to be under continuous care and supervision
by another adult person for 6 consecutive months, and this
care is likely to be ongoing on a permanent daily basis.
page 30
‘terminal illness’ means:
A. a Medical Practitioner, specialising in your Illness, certifies in
writing that despite reasonable medical treatment the Illness
will lead to your death within 12 months of the date of the
certification; and
B. we are satisfied, on medical or other evidence, that despite
reasonable medical treatment the Illness will lead to your
death within 12 months of the date of the certification referred
to in paragraph (a).
* Medical Practitioner means a person who is registered and practising in
Australia, other than you, your parent, child, sibling, spouse/partner, business
partner, associate or employee.
The Illness from which you suffer must occur, and the date of the
certification referred to in paragraph (a) must be made while you
are insured with REI Super and must be current at the time the
claim is lodged.
when death and tPd benefits are paid
The Insurer pays insurance benefits to the REI Super Trustee. The
insurance benefit then becomes payable in accordance with the
Fund’s Trust Deed and superannuation laws.
The Trustee must receive a claim for an insurance benefit as
soon as possible after the event that triggers the claim. The
Trustee will deal with the Insurer in relation to processing the
claim, and if accepted, payment of the proceeds.
The Trustee will require information in support of any claim.
In the event that you make a claim, the Insurer reserves the
right to investigate the claim, including but not limited to,
conducting surveillance and requesting information and medical
examinations. The Insurer will meet the cost of any surveillance
or medical examinations.
If you are travelling overseas, you may be required to return to
Australia to be assessed for a TPD or Terminal Illness benefit.
The Insurer will not pay for any costs relating to your return to
Australia.
Payment of a death benefit
When you join the Fund or subsequently while a member of
the Fund, you may nominate a dependant or dependants (see
definition overleaf) to receive your benefit in the event of your
death. The Trustee will take your wishes into account; however, it
is not bound by your nomination(s).
You may change your nominated dependant(s) at any
time. Simply access your personal details through the secure
membership section of the website at reisuper.com.au with your
Member Number and PIN. You can also complete a Change of
Membership Details form also available on the website.
If you die while a member of the Fund, your Death benefits (your
account balance plus any insured benefit) will be paid to one or
more of your dependants or your legal representative.