Important things

to know about
your super
AustralianSuper
Product Disclosure Statement
25 September 2020

What we’ll cover

1 About AustralianSuper
2 How super works
3 Benefits of investing with AustralianSuper
4 Risks of super
5 How we invest your money
6 Fees and costs
7 How super is taxed
8 Insurance in your super
9 How to open an account

Join form enclosed

australiansuper.com/join
MySuper Authorised 65 714 394 898 856
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788
Trustee of AustralianSuper ABN 65 714 394 898 USI STA0100AU
26/50 Lonsdale St MELBOURNE VIC 3000
1 About AustralianSuper
This Product Disclosure Statement explains the key
features and benefits of being with AustralianSuper.
AustralianSuper is Australia’s largest industry super fund – trusted by 2.3 million
Australians to look after $182 billion in assets*. Here’s why:
You come first
As a profit-for-member super fund, we act in your best interests and not the interests
of shareholders.
Helping you build a better future
We’re committed to providing strong, long-term returns to help you build a better future.
Working with employers
We work with around 333,000 employers Australia-wide.
Award-winning products and services
You can be confident knowing your super is being managed by an award-winning
fund (see back cover).
MySuper Authorised
AustralianSuper is MySuper Authorised 65 714 394 898 856 and can accept all
Superannuation Guarantee contributions from employers.
A copy of the product dashboard for AustralianSuper’s MySuper Balanced option
is available at australiansuper.com/MySuperDashboard
Other information
You can find important information, including our Trust Deed, Annual Report and
remuneration for executive officers, at australiansuper.com
* As at 30 June 2020.

AustralianSuper is here to look after you

See how we compare at australiansuper.com/compare

About this Product Disclosure Statement

This Product Disclosure Statement (PDS) is a summary of significant information
and contains a number of references to important information (each of which
forms part of the PDS). You should consider that information before making a
decision about the product.
This information is current at the date of publication, but may change frequently.
You should check the website for current information. A paper copy of the
changes is available on request at no extra charge.
This PDS provides general information only and doesn’t take into account your
personal financial situation or needs. You should obtain financial advice tailored
to your personal circumstances.

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2 How super works
Super is an important way for you to save for retirement.
Super is an investment for your future and the sooner money starts going into
your account, the better off you’ll be when you retire. That’s because, over the long
term, your super grows from investment returns and any money that’s added to
your account.
There are many ways money can be added (contributed) to your account.
Superannuation Guarantee contributions
Employers pay a compulsory contribution to your super known as the Superannuation
Guarantee (SG). Currently, this is an amount equal to 9.5% of your annual salary
(subject to salary cap).
There are also other types of contributions that could help you grow your super.
Personal contributions
› Before-tax* – includes salary sacrifice contributions made by you, any personal
contributions for which you claim a tax deduction and voluntary contributions
made by your employer for which they claim a tax deduction.
› After-tax* – includes any extra additional contributions you make from your
take-home pay, for which you don’t advise us you wish to claim a tax deduction.
Useful information to know
Tax benefits are provided by the Government to encourage you to save more for
retirement and grow your super over time.
You generally can’t access your super savings until you’re 55 or over, depending on
the year you were born. To learn more about accessing your super, rollovers and
preservation age, visit australiansuper.com/AccessYourSuper
It’s your super, it’s your choice
Normally you can tell your employer where you want your super to be paid. But in
some cases, it depends on your employment contract. If you don’t make a choice
or tell your employer where you want your super paid, they’ll pay your contributions
to their preferred super fund.
Protecting your super
If you have an account balance below $6,000, legislation requires us to transfer
your account to the Australian Tax Office (ATO) after 16 months of inactivity. Where
possible, the ATO will transfer your account to your active super fund. To find out
how to keep your AustralianSuper account active, visit australiansuper.com/pys
Combine your super and transfer your insurance to save
If you’ve had more than one job in the past, you may have more than one super
account and several insurance policies. Having multiple accounts isn’t just messier
– it could be a lot more expensive. Learn more about combining your super and
transferring insurance cover at australiansuper.com/combine

* Depending on your income and personal circumstances, you may be better off contributing before or after tax,
or using a combination of both. The Government places limits on the amount that can be contributed to super.
To learn more, visit australiansuper.com/InfoTax

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3 Benefits of investing
with AustralianSuper
We’re here to help you get the most from your money today and tomorrow.
That’s why we offer simple and effective solutions to help you manage your account.

Get more from being a member

An online account and mobile app to track your super 24/7

A range of investment options to choose from, backed by a history

of strong long-term investment performance*

Competitive insurance to protect you and those who matter to you

Retirement and financial planning webinars at no additional cost

Advice tools and calculators to help you understand super

Financial advice available over-the-phone and face-to-face†

* Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.
† Financial advice provided face-to-face and over the phone will be under the Australian Financial Services
Licence held by a third party and not by AustralianSuper Pty Ltd (AustralianSuper) and therefore isn’t
the responsibility of AustralianSuper. With your approval a fee may be charged if a Statement of Advice
is produced.

Set up your online account at australiansuper.com/register

Download the app here:

4
4 Risks of super
All investments, including super, have some risk.
How you invest your super will depend on your age, how long you’ll invest your
super, other investments you may have, and your tolerance for volatility.
Volatility is when the returns on your investment go up or down over time.
The level of volatility your super investment could have will depend on the types
of assets that your super is invested in. Assets are investments such as shares,
property, fixed interest, or cash.
Different types of assets have different levels of potential return and volatility.
Generally, higher long-term returns are accompanied by a greater potential for
volatility in the short term.
You can choose from a range of investment options, each with a different mix of
assets. So, the likely investment return and the level of potential volatility of returns
involved are different for each option.
What you need to think about
When considering your super, it’s important to understand that:
› investment returns may go up and down over time and the value of investments
will vary, so the value of your super may also go up and down
› investing too conservatively can be risky because over the long term your
investment may not earn a return above the inflation rate
› returns aren’t guaranteed, and you may lose some of your money
› past returns aren’t a reliable indicator of future returns
› the laws affecting your super may change
› the amount of your future super savings (including contributions and returns)
may not be enough for your retirement.

More information
For more information about available investment options,
the different asset classes and investment risk, download our
Investment Guide, available at australiansuper.com/RefInvestments

5
5 How we invest your money
How we invest your money when you join:
If you complete the Join If you join online at
AustralianSuper form you’ll be australiansuper.com/join you can
invested in the Balanced option OR choose your own investment
(MySuper) until you make an option/s through the join process.
investment choice.

Investment details for the

Balanced option investment mix –
Balanced option
strategic asset allocation and ranges*
This option invests in a wide range
of assets, including shares, private
equity, infrastructure, property, fixed
interest, credit and cash. Designed
to have medium to long-term growth
with possible short-term fluctuations.
Investment objective
› To beat CPI by more than 4% pa
over the medium to longer term†.
› To beat the median balanced fund
over the medium to longer term.
Minimum investment timeframe Australian shares 22% (10–45%)
Be prepared to stay invested in this International shares 32.5% (10–45%)
option for at least 10 years due to the Private equity 5.5% (0–10%)
potential for short-term volatility. Listed property 0% (0–10%)
Risk levels Direct property 6% (0–30%)
› Short-term risk classifies investment Infrastructure 12% (0–30%)
options according to their likelihood Credit 6.5% (0–20%)
of negative returns in a given year. Fixed interest 11.5% (0–25%)
This is also known as the Standard Cash 4% (0–20%)
Risk Measure.
Other assets 0%‡ (0–5%)
› Medium-term risk balances two risks.
The first is that your super savings
will be reduced by volatility and the Risk level for the time invested
second is that your super savings
won’t keep up with wage inflation. Short (if savings are required
High
› Long-term risk is the risk that your term in 5 years or less)
super savings won’t keep up with Medium (if savings are required
wage inflation. Medium
term after 5 to 20 years)
Estimated number of negative annual
Long (if savings are required
returns over any 20-year period Low
term after 20 years or more)
Approximately 5 out of every 20 years.

* Investment information is current at the date of publication and may change from time to time.
See australiansuper.com/AssetAllocation for updated information. Investment returns aren’t guaranteed.
†CPI stands for Consumer Price Index – which is used as a measure of inflation.
‡ Investments that represent unique opportunities or strategies. Examples may include strategic equity
holdings, commodities, royalties, leases and other alternative approaches.
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AustralianSuper has a range of investment options
to suit a wide range of investors.

PreMixed options DIY Mix options

Combines a mix of asset classes to provide Made up of a single asset class. With DIY Mix
different types and levels of risk and options you can select a combination of
potential return. asset classes to suit you.
› High Growth › Australian Shares
› Balanced › International Shares
› Socially Aware › Property
› Indexed Diversified › Diversified Fixed Interest
› Conservative Balanced › Cash
› Stable

Member Direct investment option

Member Direct investment option enables you to invest in your choice of stocks in the S&P/ASX 300
Index, selected Exchange Traded Funds (ETFs), selected Listed Investment Companies (LICs), term
deposits and cash.

Changing your investment option

You can choose your preferred investment option in the mobile app or by logging
into your online account. It won’t cost you anything to switch. Find out more about
choosing or changing your investment options at australiansuper.com/switching

You should read the important information about our investment options before
making a decision. Go to australiansuper.com/RefInvestments and download our
Investment guide. This contains information about our other investment options
including the risk and expected returns over different periods of time.
You should consider the likely investment return, risk, and your investment
timeframe when choosing an investment option.
The material relating to our investment options may change between the time
when you read this PDS and the day when you acquire the product.

7
6 Fees and costs
Did you know?
Small differences in both investment performance and fees and costs can have a
substantial impact on your long-term returns. For example, total annual fees and
costs of 2% of your account balance rather than 1% could reduce your final return
by up to 20% over a 30-year period (for example, reduce it from $100,000 to
$80,000). You should consider whether features such as superior investment
performance or the provision of better member services justify higher fees and
costs. You or your employer, as applicable, may be able to negotiate to pay lower
fees. Ask the fund or your financial adviser.
To find out more
If you would like to find out more, or see the impact of fees based on your own
circumstances, the Australian Securities and Investments Commission (ASIC)
website (moneysmart.gov.au) has a superannuation calculator to help you check
out different fee options.

Fees and other costs for the Balanced option

The main fees to manage your account are below, based on the Balanced option.
You can use these to compare our fees with similar funds.
Type of fee Amount How and when paid
Deducted from before-tax investment returns on 30 June
Investment fee* 0.50% each year (earlier if you close your account), before the
returns are applied to your account.
$2.25 The $2.25 per week is calculated weekly and deducted
monthly from your account. The Fund pays its administration
costs from the administration reserve. The Fund’s estimated
plus costs are $2.65 per member per week gross of tax. The
Fund claims a tax deduction for the administration costs
Administration fee* each year which is also paid into the administration reserve.
up to The up to 0.04% pa is deducted daily from investment
0.04% pa of returns, before returns are applied to your account.
your account
balance
Buy sell spread Nil
Switching fee Nil
Advice fees relating to all This is the cost for over-the-phone advice.
members investing in a
$0–$295 For face-to-face advice, a higher fee applies which may
particular MySuper product
or investment option be deducted directly from your account.
See Additional explanation of fees and costs at
Other fees and costs
australiansuper.com/RefFees for information.
Indirect cost ratio* Nil
The Investment fee for our other investment options is different. This fee is calculated looking back as at
30 June each year and is likely to change from year to year, the amount for subsequent financial years will
depend on the actual fees and costs incurred in managing investments.
* If your account balance for a product is less than $6,000 at the end of the financial year, the total combined
amount of administration fees, investment fees and indirect costs charged to you is capped at 3% of the
account balance. Any amount charged in excess of that cap must be refunded.
8
Example of annual fees and costs
This table gives an example of how the fees and costs for the Balanced option for this
superannuation product can affect your superannuation investment over a one year
period. You should use this table to compare this superannuation product with other
superannuation products.

Example – Balanced option Balance of $50,000

For every $50,000 you have in the superannuation
Investment fees* 0.50%
product you will be charged $250 each year.

$117 pa AND you will be charged $117 in administration fees

($2.25 a week) regardless of your balance
PLUS plus plus
administration fees up to 0.04% of up to $20 in administration fees will be deducted from
your account investment returns for every $50,000 you have in the
balance superannuation product.
PLUS
AND indirect costs of $0 each year will be deducted
indirect costs for the Nil
from your investment.
superannuation product

EQUALS If your balance was $50,000, then for that year you will
cost of product be charged fees of $387 for the superannuation product.

Note: Additional fees may apply.

AustralianSuper can change the fees which you may be charged. You’ll be given
at least 30 days’ notice before any increase in fees takes effect. See section 7 of this
PDS for information on how super is taxed and section 8 for insurance information
and costs.
Adviser service fee
If you receive personal financial advice from an AustralianSuper employed or
registered Financial Adviser, you may agree for those advice fees to be deducted
from your account†. The Statement of Advice provided by your Financial Adviser
will state the fees you’ll pay.
See how fees affect your super
Use the Superannuation calculator at moneysmart.gov.au

You should read the important information about fees and costs before making
a decision. Go to australiansuper.com/RefFees
This contains information about service fees and fees for our other investment
options. The material relating to our fees may change between the time when you
read this PDS and the day when you acquire the product.

* The investment fee is for the 2019/20 financial year and is likely to change from year to year.
† The financial advice you receive will be provided under the Australian Financial Services Licence held by
a third party and not by AustralianSuper Pty Ltd (AustralianSuper) and therefore isn’t the responsibility of
AustralianSuper. With your approval a fee may be charged if a Statement of Advice is provided.
9
7 How super is taxed
Tax on contributions
The tax paid on super contributions depends on the amount and type of contribution.
Tax is deducted after the contribution is received. There are limits on how much you
can contribute, and if you exceed these limits you may pay extra tax.
Type Tax on contributions in 2020/2021
If your income is $250,000 or less, 15% will be applied to contributions up to the
before-tax contributions cap of $25,000.
If your income (including your before-tax contributions) is over $250,000, all or
Before-tax some of your before-tax contributions will be taxed at 30%.
contribution Contributions that exceed the cap will be taxed at your personal rate (less a 15%
tax offset), plus an interest charge.
You can choose to withdraw up to 85% of excess contributions, which won’t then
count towards your after-tax limit.
No tax on amounts up to the after-tax contributions cap of $100,000 a year
(or $300,000 over 3 years if certain conditions are met).
You can choose to withdraw any excess contributions plus 85% of its earnings.
After-tax
These earnings will be taxed at your personal rate (less a 15% tax offset). If you
contribution
don’t withdraw the excess contributions, they will be taxed at 47%* in the fund.
There may be restrictions on the after-tax contributions you can make if you
already have a very large balance in your super account/s.

Tax on investment earnings: Investment earnings are taxed at up to 15%. This tax
is deducted from the crediting rate that applies to your super, before the earnings
are credited to your account.
Tax on withdrawals: Your super is made up of two components: taxable and tax-free.
There’s no tax payable on the tax-free component. Lump sum withdrawals are
generally tax-free if you’re aged 60 or over.
Tax on the taxable component† if you’re under 60
2020/2021 – If you’re between your preservation age and 59, the first $215,000 is tax-free and the
balance is taxed at 17%*.

If you’re younger than your preservation age, your lump sum withdrawal will be taxed at 22%*.

Tax on withdrawals is deducted before you receive your payment.

Tax rates, contribution limits and the way excess contributions are treated are subject
to change. You should read Tax and super at australiansuper.com/RefSuperTax

You should provide your Tax File Number (TFN). If we don’t have your TFN,
your before-tax contributions and withdrawals are taxed at a higher rate and we
can’t accept after-tax contributions from you. You should read the important
information about providing your TFN before making a decision.
Go to australiansuper.com/RefTFN The material relating to tax may change
between the time when you read this PDS and the day when you acquire the product.

* Includes the Medicare levy.

† If your taxable component includes an untaxed element, additional tax may be applied to that element.
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8 Insurance in your super
Most members receive basic age-based cover when they join us (age limits and
other conditions apply). This cover provides a basic level of protection if you die,
or become ill or injured.
› Death cover – can provide a lump sum to your beneficiaries if you die.
› Total & Permanent Disablement (TPD) cover – can provide a lump sum payment
if you become totally and permanently disabled and can no longer work.
› Income Protection – can provide monthly payments to help you get by if you
become ill or injured (at work or outside of work) and can’t work temporarily.
If you have Death or TPD cover you’re also covered for terminal illness. A terminal
illness payment can help ease some of the financial stress if you’re suffering from
a terminal medical condition.
Your basic cover and costs
Your basic Death, TPD and Income Protection cover design is age-based so your cover
amount will change and the cost of it will generally increase as you get older. Unless you
opt out by cancelling your cover, the cost of it will be deducted from your super account.
See the Change your cover anytime section on page 14 to learn how you can opt out.
Here’s how much basic Death and TPD cover you could get when it starts – and
the weekly cost of it – based on your age and a Standard individual work rating
Weekly Weekly Weekly
Death TPD Death TPD Weekly
cost* of cost* of cost* of
Age cover cover Age cover cover cost* of
Death TPD Death
($) ($) ($) ($) TPD ($)
($) ($) ($)
15–24 0 0.00 0 0.00 47 107,000 3.77 23,000 1.67
25 116,000 1.24 48,000 0.41 48 98,000 3.75 21,000 1.69
26 132,000 1.44 52,000 0.47 49 90,000 3.77 19,000 1.70
27 147,000 1.66 56,000 0.53 50 80,000 3.67 17,000 1.69
28 161,000 1.87 58,000 0.58 51 72,000 3.62 15,000 1.65
29 175,000 2.12 61,000 0.68 52 63,000 3.49 13,000 1.59
30 178,000 2.21 61,000 0.74 53 54,000 3.30 11,000 1.51
31 182,000 2.35 60,000 0.80 54 46,000 3.12 10,000 1.55
32 183,000 2.49 59,000 0.88 55 37,000 2.78 9,000 1.59
33 183,000 2.60 57,000 0.95 56 30,000 2.50 7,000 1.42
34 183,000 2.71 56,000 1.03 57 22,000 2.05 6,000 1.39
35 180,000 2.81 53,000 1.08 58 15,000 1.56 6,000 1.59
36 178,000 2.92 51,000 1.16 59 9,000 1.05 6,000 1.83
37 174,000 3.01 49,000 1.23 60 9,000 1.18 5,000 1.60
38 171,000 3.16 47,000 1.32 61 9,000 1.33 5,000 1.94
39 166,000 3.24 45,000 1.40 62 9,000 1.50 5,000 2.30
40 160,000 3.34 43,000 1.49 63 9,000 1.64 5,000 2.64
41 154,000 3.43 40,000 1.54 64 9,000 1.71 5,000 3.03
42 146,000 3.49 37,000 1.58 65 9,000 1.77 n/a n/a
43 140,000 3.58 34,000 1.62 66 9,000 1.84 n/a n/a
44 131,000 3.64 32,000 1.69 67 9,000 1.91 n/a n/a
45 124,000 3.71 29,000 1.70 68 9,000 1.97 n/a n/a
46 115,000 3.73 27,000 1.76 69 9,000 2.04 n/a n/a
* Total weekly costs are quoted gross of tax. Costs are rounded for disclosure purposes.
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Here’s how much basic Income Protection cover you could get when it starts – and
the weekly cost of it – based on your age, a Standard individual work rating, a two
year benefit payment period and a 60 day waiting period
Weekly Weekly Weekly
Income Income Income
cost* of cost* of cost* of
Protection Protection Protection
basic basic basic
Age cover a Age cover a Age cover a
Income Income Income
month month month
Protection Protection Protection
($) ($) ($)
($) ($) ($)
15–24 0 0.00 37 3,000 3.03 57 2,800 10.95
25 1,900 0.65 38–39 3,100 3.35–3.60 58 2,800 11.65
26 2,000 0.76 40 3,100 3.88 59 2,700 11.96
27 2,200 0.90 41–42 3,100 4.12–4.43 60 2,700 12.77
28 2,300 1.06 43 3,100 4.74 61 2,600 13.13
29 2,400 1.20 44–45 3,100 5.08–5.46 62 2,600 13.99
30 2,500 1.40 46 3,100 5.86 63 2,600 14.87
31 2,600 1.61 47–48 3,000 6.06–6.42 64 2,500 15.25
32 2,700 1.84 49 3,000 6.93 65 2,400 15.60
33 2,800 2.10 50–51 3,000 7.38–7.89 66 2,400 16.56
34 2,900 2.35 52 2,900 8.15 67 2,300 16.88
35 3,000 2.64 53–54 2,900 8.70–9.34 68 2,200 16.35
36 3,000 2.82 55–56 2,800 9.60–10.25 69 2,200 10.63
*Total weekly costs are quoted gross of tax. Costs are rounded for disclosure purposes.
Income Protection payments can’t be greater than 85% of your salary (up to 75% is
paid to you and up to 10% to your super). Salary is your annual (before-tax) salary,
excluding employer super contributions. If you’re eligible for payments, your monthly
benefit will be based on your salary before you were injured or ill (pre-disability
income) and other factors. For more information, see the Insurance in your super
guide for your division at australiansuper.com/InsuranceGuide
When your basic cover starts
Basic cover can only be provided automatically if you’re 25 or over; and have a super
balance of $6,000; and have received an employer super contribution once your super
balance has reached $6,000.
If you’re eligible, your basic cover will then start on the latest of these dates:
› the date you started working for your employer, or
› the beginning of the period of your first employer super contribution
(once your balance has reached $6,000), or
› 120 days before we receive your first employer super contribution
(once your balance has reached $6000), or,
› the date your super balance reaches $6,000, or
› the date you turn 25.
For more detailed information about when cover starts, see the Insurance in your super
guide for your division at australiansuper.com/InsuranceGuide

If you don’t want your basic cover to start automatically when you become
eligible, you can opt out by cancelling it. If you don’t cancel it, the cost of your
basic cover will be deducted monthly from your super account from the latest of
the dates shown above. See the Change your cover anytime section on page 14
to learn how you can cancel it – even if it hasn’t started yet.

12
New member offer
You can apply once to either start your basic cover or apply for more cover* without
providing detailed health information†.
Or by answering a few questions, you can apply for even more cover.

Total cover you can apply for Total cover you can apply for
Type of cover
with no health checks with a few health questions

Up to $1 million (cover above $600,000

Death or TPD Up to $600,000 will be capped at the lower of $1 million
or 10 times your salary‡)

Income Up to $10,000 a month or 85% of Up to $20,000 a month or 85% of

Protection your salary‡ (whichever is lower) your salary‡ (whichever is lower)
* See the When your basic cover starts section on page 12 to find out when basic cover starts and the
Insurance in your super guide for your division at australiansuper.com/InsuranceGuide to find out when
any additional cover starts.
† As long as you’ve never cancelled any of your cover, or applied to transfer your cover, or changed your
individual work rating, or changed your Income Protection waiting period or benefit payment period, or
changed your amount or type of cover (age-based or fixed), before submitting this application.
‡ Salary is your annual (before tax) salary, excluding employer super contributions.

To take up this offer you’ll need to apply within 120 days of the date on your
welcome letter.
Higher cover is available but you’ll need to provide detailed health information
for the Insurer to consider.
How to apply for the new member offer
There are four ways to apply:
› when you join online at australiansuper.com/join or by using the Join
AustralianSuper form in this PDS, or
› by completing the Set up your account form you receive with your welcome letter, or
› by using the app, or
› by logging into your account and going to My insurance, then Change my insurance.
Any additional cover will be limited cover for at least two years.
There are a number of reasons why cover may be limited cover. See the Limited cover
section in the Insurance in your super guide for your division at
australiansuper.com/InsuranceGuide
Limited cover means you won’t be covered for any illnesses or injuries you had before
you got your cover and it may last for different lengths of time.
If you don’t take up the new member offer, or you’re not eligible, you can still apply for,
change or cancel cover anytime, but you’ll need to provide detailed health information
for the Insurer to consider. See the next page for more information.

13
Change your cover anytime
You can apply for, change or cancel insurance cover anytime by using the app,
logging into your account or completing the appropriate form
at australiansuper.com/InsuranceForms
Some examples of changes you can make include:
› reducing or increasing the amount of cover you have
› applying to change your work rating
› applying to transfer cover from another fund or insurer
› applying to change your Income Protection benefit payment period or waiting period.
Use our calculator at australiansuper.com/InsuranceCalculator to work out the
right level of cover for you, and the cost of it.
If you apply to make any changes to your basic cover or transfer cover from elsewhere
and your application is accepted, your cover will start automatically (if you’re receiving
employer contributions into your super account), even if you haven’t turned 25 and/or
your super balance hasn’t reached $6,000. This means that the cost of your cover will
start to be deducted monthly from your super account from the later of the date your
application is accepted and the date your cover starts.
If you cancel your cover now you might not be able to get cover later. That’s because
you’ll need to reapply and provide detailed health information for our Insurer to consider.
About work ratings
We offer three types of individual work ratings: Standard, Low Risk and Professional.
A Standard work rating is automatically given to most new members, regardless of
their occupation (including manual or hazardous occupations).
A Standard work rating means your cover is the most expensive.
But if you spend at least 80% of your time in an office environment and don’t do
any manual work, you may be eligible for a Low Risk or Professional rating, which
means your cover will cost less. If you think you’re eligible, complete the work
rating questions when you join online at australiansuper.com/join or on the Join
AustralianSuper form in this PDS. If you’re interested in applying to change your work
rating within the new member offer, make sure you change it at the same time and not
beforehand. You won’t be eligible for the offer if you change your work rating before
you change your cover. Your application is subject to approval by the Insurer.
Our commitment to you
We’re a participant of the Insurance in Superannuation Voluntary Code of Practice.
Learn about the Code, our insurance strategy and our premium adjustment
arrangements at australiansuper.com/InsuranceCode

Read important information about our insurance before making a decision. The
Insurance in your super guide for your division at australiansuper.com/InsuranceGuide
includes terms and conditions about insurance, including costs, your eligibility for
cover, how much you can apply for, what you’re covered for, when it starts and
stops, limited cover and exclusions, and your insurance options.
Your eligibility to claim for benefits will be determined by the Insurer in line with
our insurance policy terms and conditions.
The material relating to insurance may change between the time when you read
this PDS and the day when you acquire the product.

AustralianSuper insurance is provided by TAL Life Limited (the Insurer)

ABN 70 050 109 450 AFSL 237848.
14
9 How to open an account
There are two ways you can join us.
Join online OR Send us an application form
Set up your account the way you Complete the Join AustralianSuper
want – straight away! form provided with this PDS.
Go to australiansuper.com/join

At the same time, you can apply to either start your basic cover or apply for up to
$1 million Death and TPD cover or $20,000 a month Income Protection cover without
needing to provide detailed health information (age limits and conditions apply).

You can change your mind about us

If you’ve chosen AustralianSuper (instead of your employer signing you up) and
you change your mind, a 14 day ‘cooling off’ period applies. This period starts
from the earlier of:
› the date we confirm your AustralianSuper account has been established; or
› five days after the date your account with AustralianSuper was established.
If you would like to cancel your membership during this period, please write to
us at GPO Box 1901, Melbourne VIC 3001 or australiansuper.com/email
If you cancel your membership during this period, we’ll transfer your account
to an approved fund of your choice. Any contributions tax we’ve paid on your
behalf will be deducted beforehand. We’ll also deduct any fees due.
Your account will attract earnings (positive or negative) for the period of time
your super has been with the fund.
Cancelling your membership during this period means you won’t be entitled to
any insurance benefits.
Not happy with our service?
To make a complaint about your super account or general information
given by AustralianSuper, you can contact us by email, phone or post.
Visit australiansuper.com/contact-us for more information.
We respect your privacy
Protecting your personal information is important to us. Our Privacy Policy
outlines the type of information we keep about you. It also explains how we –
and any organisations we appoint to provide services on our behalf – will use
this information.
For more information on privacy, go to australiansuper.com/privacy
Temporary residents permanently leaving
If you’re a temporary resident permanently leaving Australia, you have six months
to claim your super from us before we have to transfer it to the Australian Taxation
Office (ATO). Once we’ve transferred your super, you’ll need to contact the ATO
directly to claim it. Go to ato.gov.au
Under Australian Securities and Investments Commission relief, we don’t have to give
you an exit statement if we transfer your super to the ATO in these circumstances.

15
We’re here to help
Just give us a call or send us an email.
1300 300 273
8am–8pm AEST/AEDT weekdays

australiansuper.com/email
australiansuper.com
GPO Box 1901, Melbourne VIC 3001
1300 366 273 (Fax)

Readers Digest Most Trusted Brands – Superannuation category winner for eight years running 2013–2020,
according to research conducted by independent research agency Catalyst Research.
1266.0 09/20 ISS12
 Forms to open and set up
your account

Many people find it quicker and easier to open their account online at australiansuper.com/join
or you can use these forms to open and get the most out of your account.

I want to…

Join AustralianSuper Complete this form in full to join AustralianSuper and to start or make changes to your basic
insurance cover.

Pay my super into If you have an employer who makes super contributions for you, complete this form and
AustralianSuper give it to them.

Combine my super into Complete this form to transfer another super account to AustralianSuper. If you want to
AustralianSuper combine more than two accounts into your AustralianSuper account you can make
photocopies of the form or combine online at australiansuper.com/combine

If you need any help to fill out any of these forms,

please call us on 1300 300 273 between Don’t like forms? Join online at
8am and 8pm AEST/AEDT weekdays. australiansuper.com/join

Privacy Collection Statement

Please read this Privacy Collection Statement to see how AustralianSuper uses your personal information.
AustralianSuper Pty Ltd (ABN 94 006 457 987) of 26/50 Lonsdale Street, Melbourne, Victoria, collects your personal
information (PI) to run your super account (including insurance), improve our products and services and keep you
informed. If we can’t collect your PI we may not be able to do these tasks. PI is collected from you and sometimes
from third parties like your employer. We will only share your PI where necessary to perform our activities with our
administrator, service providers, as required by law or court/tribunal order, or with your permission. Your PI may be
accessed overseas by some of our service providers. A list of countries can be found at the URLs below. Our Privacy
Policy details how to access and change your PI, as well as the privacy complaints process. For complete details on the
above go to australiansuper.com/CollectionStatement and australiansuper.com/privacy or call us on 1300 300 273.

australiansuper.com 1300 300 273

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 1266.0 IND JOIN 09/20 ISS12
 This page has been left blank intentionally.

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
 Join AustralianSuper

Please complete in pen using CAPITAL letters. Print 7 to mark boxes.

1. YOUR PERSONAL DETAILS

Last name
We’re authorised under
super law to collect, use and
First name disclose your Tax File Number (TFN).
You don’t have to provide your
TFN, but if we have it, we’ll be able
to accept all types of contributions
Date of birth Male Female Mr Ms Mrs Miss Dr into your account, you won’t pay
D D M M Y Y Y Y X X X X X X X more tax than you need to and it’ll
be easier to find your super. If you
Tax File Number (TFN) Existing member number (if applicable) transfer your super to another fund,
we’ll give them your TFN unless
you tell us not to in writing. Visit
X Y
 ou can use my TFN once to search the ATO for any other super I might have and let me know what australiansuper.com/RefTFN
you find. You can automatically transfer any ATO-held super to my AustralianSuper account. for more details.
Street address

Suburb State Postcode

Postal address (if different)

Suburb/Town State Postcode

Telephone (business hours) Mobile

Email

If I provide my email address and/or phone number, I’m consenting to AustralianSuper communicating with me via email, my online
account, mobile app and phone as appropriate. I understand I can change my communication preferences through my online account
or by calling 1300 300 273.

2. YOUR EMPLOYER’S DETAILS

Are you self-employed as a sole trader or partner in a partnership?
Yes X Y
 ou’re not eligible to join this Division of AustralianSuper, please download our Personal Plan Product Disclosure Statement
and join form at australiansuper.com/PDS or call us on 1300 300 273 for a copy.
No X Please complete your employer’s details below.
Employer’s trading name

Street address

Suburb State Postcode

Employee number (if applicable) Telephone (business hours) Employer ABN (if known)

3. NOMINATE YOUR BENEFICIARIES

Provide details of your legal personal representative or any dependants who may be entitled to your super (including any
insurance benefit) if you die. To make your nomination binding, download the Binding death benefit nomination form available
at australiansuper.com/forms

Full name Address Relationship Benefit When you use this form
to you proportion %
to nominate beneficiaries,
you’re telling us which of your
dependants you’d like us to pay
your super to if you die. We’re
not bound by your nomination,
but we use this information as
a guide to work out who to pay
your benefit to.
Total must add up to 100%

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 1266.0 IND JOIN 09/20 ISS12 page 1 of 6
 4. CHANGE YOUR INSURANCE (OPTIONAL)
You automatically receive basic (age-based) Death, Total & Permanent Disablement (TPD) and Income Protection cover with your
super account. This cover will start once you’ve turned 25; and when your balance reaches $6,000; and you’re receiving employer
contributions (age limits and other conditions apply). This is described on pages 11 to 14 of the Product Disclosure Statement.
Complete this section to apply to start your cover, change your cover amount or type, individual work rating, Income Protection
waiting period, or to cancel your cover. If you apply to make any changes to your basic cover and your application is accepted, your
cover will start automatically (if you’re receiving contributions into your super account), even if you haven’t turned 25 and/or your
super balance hasn’t reached $6,000. This means that the cost of your cover will start to be deducted monthly from your super
account from the later of the date your application is accepted and the date your cover starts.

New member offer

You can use this form to apply to start your basic cover (Section 4.5) or apply for more cover* without providing detailed health
information (Section 4.6). To take up this offer you’ll need to apply within 120 days of the date of your welcome letter.
You’ll be eligible for the offer as long as you’ve never cancelled any of your cover, or applied to transfer cover, or changed your
individual work rating, or changed your amount or type of cover (age-based or fixed) before submitting this application. Time
limits and other conditions apply.
* Any additional cover will be limited cover for at least two years.

Need more time to think about insurance?

If you don’t want to change your basic insurance now, skip to Section 5. You’ll still be able to take advantage of our new member
offer and apply for more cover later. We’ll write to you with details.
Want to make changes to your cover?
If you’re under 25 or don’t have the minimum balance required in your account but would like cover now, you can apply anytime.
If you don’t want cover to automatically start when you turn 25, you can opt out by cancelling your cover (go to Section 4.1).
Before you change your cover
You should read our Insurance in your super guide. It contains terms and conditions about insurance, including costs, your eligibility
for cover, how much you can apply for, when cover starts and stops, and limited cover or exclusions. You may also be able to
transfer your current insurance from another fund or insurer to AustralianSuper. Download a copy of the guide for your division at
australiansuper.com/InsuranceGuide
Your eligibility to claim for benefits will be determined by the Insurer in line with our insurance policy terms and conditions.

4.1 Cancel your cover

Complete this section to cancel any part of your cover (or all of it). When you cancel your cover you won’t be insured for that cover
from the date your cancellation is accepted. This means for the type of cover you cancel:
• You (or your beneficiaries) won’t be able to make an insurance claim if something happens after the cancellation.
• The cost of cover will stop being deducted from your account (costs are deducted one month in arrears).
• You might not be able to get cover later. That’s because you’ll need to reapply and provide health information for the Insurer to consider.
If you’re replacing this cover with another insurance policy, you should wait until the other insurer confirms your cover has started
before you cancel. You should consider getting financial advice to help work out if cancellation is right for you.
Print (7) next to each type of cover you wish to cancel.
D
 eath TPD Income Protection

4.2 Duty of Disclosure

Before you make any changes to your cover, you should read insurer may avoid the contract to provide you with that insurance
the Duty of Disclosure statement. within three years of entering into it.
Your duty of disclosure to the insurer If the insurer chooses not to avoid the contract, the insurer may, at
Before you enter into a life insurance contract, you have a duty to tell any time, reduce the amount you have been insured for. This would
the insurer anything that you know, or could reasonably be expected be worked out using a formula that takes into account the premium
to know, may affect its decision to insure you and on what terms. that would have been payable if you had told the insurer everything
You have this duty until the insurer agrees to insure you. you should have. However, if the contract provides cover on death,
You have the same duty before you extend, vary or reinstate your the insurer may only exercise this right within three years of entering
insurance cover. into the contract.
You do not need to tell the insurer anything that: If the insurer chooses not to avoid the contract or reduce the amount
• reduces the risk it insures you for, or you have been insured for, the insurer may, at any time vary the
• is common knowledge, or contract in a way that places the insurer in the same position it would
• the insurer knows or should know as an insurer, or have been in if you had told the insurer everything you should have.
• the insurer waives your duty to tell it about. However, this right does not apply if the contract provides cover on
death. If your failure to tell the insurer is fraudulent, the insurer may
If you do not tell the insurer something
have the right to refuse to pay a claim and treat the contract as if it
In exercising the following rights, the insurer may consider whether
never existed.
different types of cover can constitute separate contracts of life
insurance. If they do, the insurer may apply the following rights Our duty of disclosure
separately to each type of cover. The Trustee has a similar duty to tell the insurer anything that it knows
If you do not tell the insurer anything you are required to, and the that may affect the insurer’s decision to provide you with insurance,
insurer would not have insured you if you had told the insurer, the and if the Trustee fails to do so the consequences are comparable.

Please return this completed form to:

AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
Telephone 1300 300 273 Web australiansuper.com 1266.0 IND JOIN 09/20 ISS12 page 2 of 6
 4.3 Your salary and occupation details
Provide your salary if you want to apply for more cover or to change your individual work rating.
Annual (before-tax) salary, excluding employer super contributions $ , , . 0 0
Provide your occupation if you want to apply to change your individual work rating.
Job title/occupation

4.4 Change your individual work rating

You could pay less if your work is rated as Low Risk or If you’re only applying to change your individual work rating when
Professional. Complete the questions below to apply you join and decide to increase your cover later, you won’t be
to change your individual work rating to Low Risk or eligible for the new member offer and you’ll need to provide health
Professional. information for the Insurer to consider. Go to section 4 for details.

1. Are the usual activities of your job ‘white collar’? Yes No

This means:
• you spend more than 80% of your job doing clerical or administrative activities in an office-based environment, or
• you’re a professional using your university qualification in a job that has no
unusual work hazards (some examples of unusual work hazards include:
working underground, working underwater, working at heights or working in the air).
2. Are you earning $100,000 or more a year from your job? Yes No

3. Do you have a university qualification? Yes No

4. Do you have a management role in your company? Yes No

4.5 Start your age-based cover

If you’ve turned 25, you can choose to start your age-based cover, even if your account balance hasn’t reached $6,000. You should
read the Insurance in your super section of the Product Disclosure Statement (PDS) for your division for important information about
when your cover will start. Please print (7) next to each type of age-based cover you want to start.
Death TPD Income Protection

If you haven’t turned 25, you’re not eligible for age-based cover, but you can apply for extra or fixed cover by completing
Sections 4.7 and/or Section 4.8 below. Read about our insurance options in section 4.6 first.

4.6 Your cover options

Our insurance options allow you to apply for, adjust or switch your cover to suit your needs. You can choose from the following
cover designs:

Type of cover available

Cover designs
Death and TPD Income Protection
Age-based cover Both the amount of cover you get and the cost of it changes as This is the cover you’re provided with
you get older. when you join. To cancel your basic
cover, go to Section 4.1.
Age-based + You can add an extra amount of cover on top of your age-based cover.
extra (fixed) cover The extra amount is provided as fixed cover and will stay the same as ✔ n/a
you get older (unless you change it) but the cost will change.
Fixed cover You can apply for a total amount of fixed cover. This means your
total amount of cover stays the same as you get older (unless you
change it) but the cost will change. ✔ ✔
Apply for fixed cover if you want to switch from age-based cover.

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 1266.0 IND JOIN 09/20 ISS12 page 3 of 6
 4.7 Death and/or TPD cover
Complete this section to apply for or change your age-based Death and TPD cover. Print (7) to confirm what you want to do.

Changing your Death or TPD cover To apply for higher cover amounts, you’ll need to
You can use this form to apply for: provide detailed health information for the Insurer to
• total cover up to $600,000 without health checks, or consider. There’s no limit on the amount of Death cover
• total cover above $600,000 (capped at $1 million or 10 times you can apply for and TPD is limited to $3 million. To
your salary*, whichever is lower) by answering a few health apply complete the Change your insurance form at
questions in Section 4.9. australiansuper.com/InsuranceForms
*S
 alary is your annual (before-tax) salary, excluding employer super contributions.

Cover options Type of cover Cover in $1,000 amounts

A
 pply for extra Extra Death $ , , 0 0 0 Write the amount you want added to your
(fixed) cover age-based cover.
†
Extra TPD $ , , 0 0 0

Apply for fixed Fixed Death $ , , 0 0 0 Write the amount of fixed cover you
cover want. If you have age-based cover it’ll be
Fixed TPD† $ , , 0 0 0 replaced with fixed cover.
† Any amount of fixed TPD cover will reduce gradually from age 61 to zero at age 65.

4.8 Income Protection

Complete this section to apply for or change to fixed Income Protection. Print (7) to confirm what you want to do.

Changing your Income Protection The amount of Income Protection you can apply for
You can use this form to apply for: is limited to 85% of your salary. Up to 75% is paid to
you and up to 10% to your super. Salary is your annual
• total cover up to $10,000 a month without health checks, or
• total cover above $10,000 a month (capped at $20,000 a month), (before-tax) salary, excluding employer super contributions.
by answering a few health questions in Section 4.9. Example
You’ll need to provide detailed health information for the Insurer Ben earns $78,000 a year (before-tax), excluding
to consider if you want to apply:
employer super contributions. The maximum cover
• for cover above $20,000 a month (capped at $30,000 a month), or amount he can apply for is:
• for more Income Protection and you’re aged 65-69, or
• to change your benefit payment period to up to five years or $78,000 x 0.85
= $5,525 a month
up to age 65. 12 (months)
To apply complete the Change your insurance form at Ben can apply for up to $5,600 of Income Protection
australiansuper.com/InsuranceForms a month (rounded up to the nearest $100).

Cover option Cover in $100 amounts

Write the amount of fixed cover you
Apply for fixed Income Protection $ , 0 0 a month want. If you have age-based cover it’ll
be replaced by this fixed cover.

4.9 Change your Income Protection waiting period

Waiting period
The waiting period is the minimum time you must wait before you’ll start If you’re only applying to change your waiting
receiving an Income Protection benefit payment (as long as you’re eligible). period when you join and decide to increase
your cover later, you won’t be eligible for the new
Income Protection comes with a 60 day waiting period. You can change
member offer and you’ll need to provide health
it to 30 days but it will cost more. Payments are made one month in arrears.
information for the Insurer to consider. Go to
Print (7) to change your waiting period from 60 days to 30 days: section 4 for details.
Change my waiting period to 30 days
Your waiting period is effective from the date we accept your application plus the number of days of your current waiting period. For example if you change
your waiting period from 60 days to 30 days and then you claim within 30 days of making the change, you’ll need to complete a 60 day waiting period.
Benefit payment period
Income Protection comes with a benefit payment period of up to two years. This means benefits may be paid a maximum of two
years if you’re temporarily unable to work due to illness or injury.
To apply to change your benefit payment period to up to five years or up to age 65, log into your account or use the Change your
insurance form at australiansuper.com/InsuranceForms

For
more information about Income Protection waiting periods and benefit payment periods (including the different costs)
download our Insurance in your super guide at australiansuper.com/InsuranceGuide

Please return this completed form to:

AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
Telephone 1300 300 273 Web australiansuper.com 1266.0 IND JOIN 09/20 ISS12 page 4 of 6
 4.10 A few health questions
Complete this section if you’re applying for:
• total Death or TPD cover above $600,000 (capped at $1 million or 10 times your salary, whichever is lower), or
• total Income Protection above $10,000 a month (capped at $20,000 a month).
1. Are you:
• unemployed
• employed and off work because you are ill, injured or have had an accident
• unable to do all the duties of your usual occupation (without any limitation) full-time
(at least 30 hours a week), even if you are working full-time, part-time or casually, or
• in your usual occupation but your duties have changed or been modified in the last 12 months,
because of an illness, accident or injury? Yes No
2. Have you:
• in the last 12 months, been away from work for more than 10 working days in a row because
you were ill or injured, or
• been advised by, or discussed with your medical practitioner that because of an illness or injury
you’ll need to take at least 10 working days in a row off work (regardless if diagnosed) in the
next 12 months? Yes No

3. Have you been diagnosed with an illness or injury that reduces your life expectancy to less than 12 months? Yes No
4. Have you ever been declined Death, TPD or Income Protection cover, or been excluded from
insurance cover for a specific medical condition or injury? Yes No
5. Have you ever made or satisfied the requirements to make a claim for an injury or illness either in
Australia or overseas through:
• AustralianSuper or another super fund
• Workers’ Compensation
• an illness benefit or invalid pension
• an insurance Policy that provides Terminal illness, TPD cover, or Income Protection (including accident
or illness cover), or
• a common law settlement? Yes No

5. YOUR INVESTMENT CHOICE

When you join AustralianSuper by completing this form, you’ll

automatically be invested in the default Balanced option – our MySuper For more information about our
authorised product. investment options, download
If you’d like to move your money into a different investment option or our Investment Guide at
options, it won’t cost you anything to switch. Just log into your online australiansuper.com/InvestmentGuide
account or the mobile app.

6. GIVE YOUR FINANCIAL ADVISER ACCESS TO YOUR ACCOUNT DETAILS

If you have a financial adviser, you can give them access to your account by completing this section.

Name of financial adviser

Name of business

Email

Telephone AFSL number (if known)

If your adviser is from Industry Fund Services (IFS), your adviser’s access to your account will automatically expire three years after
the date you signed this form.

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 1266.0 IND JOIN 09/20 ISS12 page 5 of 6
 7. DECLARATION

This section must be completed.

I authorise: I acknowledge that:
• The Insurer to provide any information included in my • If I haven’t completed Section 4 of this form, there’ll be no
insurance application (and any medical reports and change to any basic insurance cover I have or am eligible
statements made in connection with my application) to other for.
entities involved in providing or administering the insurance • The answers I’ve provided will form the basis of the
(for example reinsurers, medical consultants, legal advisers). contract of insurance, and that cover will be provided
• The Insurer and any person appointed by the Insurer to on the terms and conditions set out in the contract
obtain information on my medical claims and financial of insurance with the Insurer and as agreed between
history from the Insurance Reference Association and any AustralianSuper and the Insurer from time to time.
other body holding information on me.
• If I’ve chosen to start my cover, the cost of it will be
• Any hospital, doctor or other person who has treated or deducted monthly from my super account, once the cover
examined me to give to the Insurer any information on my starts.
illness or injury, medical history, consultation, prescription or
treatment or copies of all hospital or medical reports. • If I apply to make any changes to my basic cover and my
application is accepted, my cover will start automatically
For information on the Insurer’s privacy and information- (if I’m receiving contributions into my super account),
handling practices, read their Privacy Policy Statement at even I haven’t turned 25 and/or my super balance hasn’t
www.tal.com.au or call 1300 209 088 for a copy. reached $6,000. This means that the cost of my cover will
I declare that: start to be deducted monthly from my super account from
the later of the date my application is accepted and the
• My answers and declarations on this form are true and
date my cover starts.
correct (including those not in my own handwriting).
• I’ve read and understood the Product Disclosure Statement • If I fix any of my cover, I understand that my cover
that came with this form, and I understand that additional amount won’t change (except fixed TPD cover reduces
information it refers to is also part of the Product Disclosure gradually from age 61 to zero at age 65) but the cost will
Statement. As part of my AustralianSuper membership, increase with age.
I agree to abide by and be bound by the Trust Deed and • If I’ve chosen to cancel any of my cover, I’ll no longer be
Rules at australiansuper.com/TrustDeed insured for that cover, and:
• I’ve read the Insurance in your super guide at
– I (or my beneficiaries) won’t be able to make an
australiansuper.com/InsuranceGuide insurance claim if something happens after I cancel.
• I’ve read the Privacy Collection Statement and I agree with
how AustralianSuper will use my personal information. – The cost of cover will stop being deducted from my
account (costs are deducted one month in arrears).
• If I’ve provided my email address and/or phone number, I
consent to AustralianSuper sending me information about – I might not be able to get cover later. If I decide to
my account, AustralianSuper’s products and services and reapply I’ll need to provide health information for the
marketing communications, including third-party products Insurer to consider.
and services, via email, my online account, SMS, mobile – If I’m replacing this cover with another insurance policy,
app or phone, as appropriate and in accordance with I’ll wait until the other insurer confirms my cover has
AustralianSuper’s Privacy Policy. I understand I can change started.
my communication preferences at any time by calling
AustralianSuper on 1300 300 273 or through the Manage – I’ve considered getting financial advice to help work out
my communications section of my online account. if cancellation is right for me.
• I’ve read the Duty of Disclosure and I’m aware of the • My eligibility to claim for benefits will be determined by
consequences of non-disclosure. I understand that the Duty the Insurer in line with AustralianSuper’s insurance policy
of Disclosure continues until my application for cover has terms and conditions.
been accepted in writing by AustralianSuper and the Insurer. • A photocopy of this authorisation is as valid as the
A summary of AustralianSuper’s Privacy Collection original.
Statement is at the front of this form booklet. Our Privacy • Any change in cover will start from the later of the date
Collection Statement and Privacy Policy may change it is accepted by the Insurer (as long as my employer is
from time to time. The latest versions will be available paying contributions) or, I’ve received confirmation that
online at australiansuper.com/CollectionStatement and my cover has started or restarted, and hasn’t stopped.
australiansuper.com/privacy

Sign here:
Date

D D M M Y Y Y Y

Print full name

Save form Print form Clear form

Please return this completed form to:
AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
Telephone 1300 300 273 Web australiansuper.com 1266.0 IND JOIN 09/20 ISS12 page 6 of 6
 Pay my super into AustralianSuper
Give this completed form to your employer. Don’t send it to us or the Australian Taxation Office.

Member to complete
Please complete your details below and provide this form to your employer if you want them to pay your super into your
AustralianSuper account.

Employee details

Employee name:

AustralianSuper account name:

Member number: Date of request: D D M M Y Y Y Y

Sign here:
Date

D D M M Y Y Y Y
Print full name

Give this form to your employer. Don’t send it to us or the Australian Taxation Office.


Information for the employer

Your employee has requested you pay their super into their AustralianSuper account. This form is an allowable alternative to the
ATO Standard Choice form.
AustralianSuper is a complying, resident and regulated super fund and can accept all types of super contributions within the meaning
of the Superannuation Industry (Supervision) Act 1993 (SIS Act) and is not subject to a direction under section 63 of that Act.
AustralianSuper is a registrable superannuation entity and may be nominated as a default fund, as it meets the minimum statutory
insurance cover requirements. The Trustee of the Fund is AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788.

Fund details
AustralianSuper
Fund name:
STA0100AU
Unique Superannuation Identifier (USI):

Australian Business Number (ABN): 65 714 394 898

Fund telephone number: 1300 300 273

How to make payments into AustralianSuper

QuickSuper* is our online payment solution that gives you the choice of making one payment for all your employees — regardless of
the super fund they belong to. It’s suitable for all types of businesses and is free to use.
You can register for QuickSuper at australiansuper.com/PaySuper†. You’ll need to have your company details and AustralianSuper
employer number handy. If you don’t have an AustralianSuper employer number, you can join us at australiansuper.com/join

Employee number if known: Date employee’s request received:

D D M M Y Y Y Y

Date employee’s request actioned:

Call us on 1300 300 273 if you need help D D M M Y Y Y Y
understanding your employer super obligations
or making payments for your employees.

*Q uickSuper is managed by Westpac and is not the responsibility of AustralianSuper. QuickSuper is a registered trademark and a product owned and
operated by Westpac Banking Corporation ABN 33 007 457 141. Westpac’s terms and conditions applicable to the QuickSuper service are available
after your eligibility for the free clearing house service is assessed by AustralianSuper. A Product Disclosure Statement (PDS) is available from
Westpac upon request.
† You can choose to submit your contributions using a different service, but it needs to meet the Government’s minimum data standards as legislated
in the Stronger Super reforms. You can find out more by visiting ato.gov.au/Business/Super-for-employers/Paying-super-contributions

Save form Print form Clear form

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 1266.0 IND JOIN 09/20 ISS12 page 1 of 1
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Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
 Combine your super into AustralianSuper
Request to transfer whole or partial balance of super account to AustralianSuper

Please complete in pen using CAPITAL letters and print 7 to mark boxes where applicable. Form must be completed in full.
This form can’t be used to transfer self managed super account balances to your AustralianSuper account.
To arrange a rollover from your self managed super account, please contact the administrator of your account. They will
need to send us a Rollover Benefit Statement and a cheque payable to AustralianSuper.

STEP 1. FILL IN YOUR PERSONAL DETAILS

Last name Mr Ms Mrs Miss Dr

X  X  X  X   X
First name Date of birth
D D M M Y Y Y Y
Other/previous names

Street address

Suburb State Postcode

Previous street address (if details with your FROM fund are different to those above)

Suburb State Postcode

Telephone (business hours) Telephone (after hours) Mobile

Male Female Email

If I provide my email address and/or phone number, I am consenting to AustralianSuper communicating with me via email, my online
account, mobile app and phone as appropriate. I understand I can change my communication preferences through my online account
or by calling 1300 300 273.

STEP 2. PROVIDE SUPER ACCOUNT DETAILS

FROM: Fund’s name TO: AustralianSuper
Member number

Phone number 1300 300 273

Fund phone number
ABN 65 714 394 898
Member or account number USI STA0100AU

Australian Business Number (ABN)

USI* * Unique Superannuation Identifier (USI)

If you have more than one account with this fund, or want to combine your super from multiple funds, you can photocopy this form.
You must complete a separate form, with original signature for each account you wish to combine into your AustralianSuper account.

STEP 3. IS THIS A WHOLE OR PARTIAL BALANCE ROLLOVER?

 Whole – I’d like to transfer the whole balance of this account. This means you’re asking us to close your other super account.
 Partial – I’d like to transfer a nominated amount: $    ,  , .00

If you have more than one account with this fund, or want to combine your super from multiple funds, you can photocopy this form
You must complete a separate form, with original signature for each account you wish to combine into your AustralianSuper account.
Before combining your super (and your other account closes) you should consider any penalties that may apply (i.e. fees and charges,
effect on insurance cover and loss of benefits). When you combine your super account, any insurance cover you have with your
other super fund doesn’t transfer. If you want to transfer your cover, you’ll need to do this before you combine your super. For more
information about transferring cover, read our Insurance in your super guide at australiansuper.com/InsuranceGuide

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 1266.0 IND JOIN 09/20 ISS12 page 1 of 2
 STEP 4. YOUR TAX FILE NUMBER

  Use my Tax File Number (TFN) to process my super rollover.

Enter your TFN here

By giving us your TFN, you’re authorising us to give this information to your other super fund. They’ll confirm your ID with the
Australian Taxation Office. It’s optional to provide your TFN but there are several advantages if you do. See Providing your TFN
below for more information.

STEP 5. SIGN THIS FORM

By signing this request form I’m making the following statements: • I’ve read the Privacy Collection Statement at the front of
this form booklet and I understand how AustralianSuper
• I declare I’ve fully read this form and the information
will use my personal information.
completed is true and correct.
• I’m aware I may ask my super provider for information • If I’ve provided my email address and/or phone number,
about any fees or charges that may apply, or any other I consent to AustralianSuper sending me information
information about the effect this transfer may have on my about my account, AustralianSuper’s products and
benefits such as insurance cover, and do not require any services and marketing communications, including
further information. third-party products and services, via email, my online
account, SMS, mobile app or phone, as appropriate
• I discharge the super provider of my FROM fund of all
and in accordance with AustralianSuper’s Privacy
further liability in respect of the benefits paid and
Policy. I understand I can change my communication
transferred to AustralianSuper.
preferences at any time by calling AustralianSuper
• I authorise AustralianSuper (or its agents) to contact my on 1300 300 273 or through the Manage my
FROM fund regarding this request to combine my super communications section of my online account.
from that fund into my AustralianSuper account only.
I request and consent to the transfer of super as described
• I’m aware that once my completed form is received by above and authorise the super provider of the FROM fund
AustralianSuper, it will usually be processed within three to give effect to this transfer.
business days.

You need to sign here

Date
D D M M Y Y Y Y

Important information
1. You can't nominate a balance transfer date. The balance • transfer benefits from multiple funds on one form –
transfer will start with within three business days of the date you must use a separate form for each fund you wish
we receive your completed application. to transfer
• change the fund to which your employer pays your
2. If you want to transfer any insurance cover you have with your
contributions
previous fund to AustralianSuper, you’ll need to complete
an Insurance transfer form before you combine your super. • open a new super account, or
Download a copy at australiansuper.com/InsuranceForms • transfer benefits under certain conditions or
circumstances, for example if there is a superannuation
3. If you wish to claim a tax deduction for personal super agreement under the Family Law Act 1975 in place.
contributions, you must lodge a notice of intent to claim a
tax deduction with your FROM fund, before you combine Providing your TFN
your super into another fund. We’re authorised under super law to collect, use and disclose
4. If you're making a whole balance transfer, check any your Tax File Number (TFN). You don’t have to provide your
remaining employer contributions have been received and TFN, but if we have it, we’ll be able to accept all types
no future payments will be made into your FROM account. of contributions into your account, you won’t pay more
tax than you need to and it’ll be easier to find your super.
5. This form doesn’t:
If you transfer your super to another fund, we’ll give
• transfer super benefits if you don’t know where your them your TFN unless you tell us not to in writing. Visit
super is australiansuper.com/RefTFN for more details.

To combine other super accounts into AustralianSuper,

go to australiansuper.com/combine

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Please return this completed form to:
AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
Telephone 1300 300 273 Web australiansuper.com 1266.0 IND JOIN 09/20 ISS12 page 2 of 2