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Important things
to know about
your super
AustralianSuper
Product Disclosure Statement
3 September 2021
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
GPO Box 1901, MELBOURNE VIC 3001
2
1 About AustralianSuper
This Product Disclosure Statement explains the key
features and benefi ts of being with AustralianSuper.
AustralianSuper is Australia’s largest industry super fund – trusted by 2.45 million
Australians to look after $233 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 364,000 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 ocers, at australiansuper.com
* As at 30 June 2021.
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.
AustralianSuper is here to look after you
See how we compare at australiansuper.com/compare
A Target Market Determination (TMD) is a document that outlines the target market
a product has been designed for. Find the TMDs at australiansuper.com/tmd
3
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 o 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 10% 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 reach your preservation
age. Your preservation age varies 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 a MySuper compliant 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 Oce (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 o 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
4
3 Benefi ts of investing
with AustralianSuper
We’re here to help you get the most from your money today and tomorrow.
That’s why we oer simple and eective solutions to help you manage your account.
* 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.
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
†
Get more from being a member
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.
App Store is a service mark of Apple Inc.
Google Play and the Google Play logo are trademarks of Google Inc.
Set up your online account at australiansuper.com/register
Download the app here:
5
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.
Dierent types of assets have dierent 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 dierent mix of
assets. So, the likely investment return and the level of potential volatility of returns
involved are dierent 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 aecting 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 dierent asset classes and investment risk, download the
Investment guide, available at australiansuper.com/RefInvestments
66
If you complete the Join
AustralianSuper form you’ll be
invested in the Balanced option
(MySuper) until you make an
investment choice.
If you join online at
australiansuper.com/join you can
choose your own investment
option/s through the join process.
OR
5 How we invest your money
How we invest your money when you join:
Investment details for the
Balanced option
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
Be prepared to stay invested in this
option for at least 10 years due to the
potential for short-term volatility.
Risk levels
› Short-term risk classifies investment
options according to their likelihood
of negative returns in a given year.
This is also known as the Standard
Risk Measure.
› Medium-term risk balances two risks.
The first is that your super savings
will be reduced by volatility and the
second is that your super savings
won’t keep up with wage inflation.
› Long-term risk is the risk that your
super savings won’t keep up with
wage inflation.
Estimated number of negative annual
returns over any 20-year period
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.
Risk level for the time invested
Short
term
(if savings are required
in  years or less)
High
Medium
term
(if savings are required
after  to  years)
Medium
Long
term
(if savings are required
after  years or more)
Low
Balanced option investment mix –
strategic asset allocation and ranges
*
Australian shares 21% (10–45%)
International shares 31% (10–45%)
Private equity 6% (0–15%)
Listed property 1% (0–10%)
Direct property 5% (0–30%)
Infrastructure 13.5% (0–30%)
Credit 5.5% (0–20%)
Fixed interest 11% (0–25%)
Cash 6% (0–20%)
Other assets 0%
‡
(0–5%)
7
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
dierent types and levels of risk and potential
return
› High Growth
› Balanced
› Socially Aware
› Indexed Diversified
› Conservative Balanced
› Stable
Made up of a single asset class With DIY Mix
options you can select a combination of asset
classes to suit you
› Australian Shares
› International Shares
› Diversified Fixed Interest
› Cash
Member Direct investment option
Member Direct investment option enables you to invest in your choice of stocks in the S&PASX 
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. The Investment guide contains information about our other
investment options including the risk and expected returns over dierent periods
of time. Download the Investment guide from australiansuper.com/RefInvestments
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.
8
Did you know?
Small dierences 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 dierent fee options.
6 Fees and costs
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
Investment fee* 0.63%
Deducted from before-tax investment returns before the
returns are applied to your account
†
Administration fee*
$2.25
plus
up to
0.04% pa of
your account
balance
The  per week is calculated weekly and deducted
monthly from your account The Fund pays its administration
fees and costs from the administration reserve The Fund’s
estimated costs are  per member per week gross of tax
The Fund claims a tax deduction for the administration costs
each year which is also paid into the administration reserve
The up to  pa is deducted from before-tax investment
returns before returns are applied to your account
†
Buy sell spread Nil
Switching fee Nil
Advice fees relating to all
members investing in a
particular MySuper product
or investment option
$0–$295
This is the cost for over-the-phone advice
For face-to-face advice a higher fee applies which may
be deducted directly from your account
Other fees and costs
See Additional explanation of fees and costs at
australiansupercomRefFees for information
Indirect cost ratio* Nil
The Investment fee for our other investment options is di erent. 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 fi nancial 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 fi nancial 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.
† To fi nd out when returns are applied to your account, please refer to the Investment guide.
9
Example of annual fees and costs
This table gives an example of how the fees and costs for the AustralianSuper
Balanced investment option for this product can aect 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 
Investment fees* 
For every  you have in the superannuation
product you will be charged  each year
PLUS
administration fees
 pa
( a week)
plus
up to  of
your account
balance
AND you will be charged  in administration fees
regardless of your balance
plus
up to  in administration fees will be deducted from
investment returns for every  you have in the
superannuation product
PLUS
indirect costs for the
superannuation product
Nil
AND indirect costs of  each year will be deducted
from your investment
EQUALS
cost of product
If your balance was  then for that year you will
be charged fees of  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 e ect. 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 aect your super
Use the Superannuation calculator at moneysmart.gov.au
* The investment fee is for the 2020/21 fi nancial year and is likely to change from year to year.
† The fi nancial 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.
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.
10
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.
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 
Before-tax
contribution
If your income is  or less  will be applied to contributions up to the
before-tax contributions cap of 
If your adjusted taxable income (including your before-tax contributions) is more than
 per year your before-tax contributions will be taxed at  to that extent
Contributions that exceed the cap will be taxed at your personal rate (less a 
tax oset) plus an interest charge
You can choose to withdraw up to  of excess contributions which won’t then
count towards your after-tax limit
After-tax
contribution
No tax on amounts up to the after-tax contributions cap of  a year
(or up to  over  years if certain conditions are met)
You can choose to withdraw any excess contributions plus  of its earnings
These earnings will be taxed at your personal rate (less a  tax oset) If you
don’t withdraw the excess contributions they will be taxed at * 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 
 – If you’re between your preservation age and  the first  is tax-free and
the balance is taxed at 
*
If you’re younger than your preservation age your lump sum withdrawal will be taxed at 
*
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
* Includes the Medicare levy.
† If your taxable component includes an untaxed element, additional tax may be applied to that element.
11
8 Insurance in your super
Most members receive basic cover (also referred to as default cover) when they join
(age limits and 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 suering 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 and cost will change as you get older. Unless you opt out by cancelling your
cover, the cost of your cover will be deducted monthly from your super account, once
you’re eligible for cover to start. See the When basic cover starts section on page 12 and
Change or cancel your cover anytime section on page 14.
See how much basic Death and TPD cover you could have and the weekly cost –
based on your age and Blue Collar individual work rating*
Age
Death
cover
()
Weekly
cost of
Death ()
TPD
cover
()
Weekly
cost of
TPD ()
–


 



 



 



 



 

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
 

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
 


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

 
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
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
 
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 
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


Age
Death
cover
()
Weekly
cost of
Death ()
TPD
cover
()
Weekly
cost of
TPD ()
 



 



 



 



 



 



 



 



 



 



 



 



 



 



 



 



 



 



 

na
na
 

na
na
 

na
na
 

na
na
 

na
na
Total weekly costs are quoted gross of tax. Costs are rounded for disclosure purposes.
* To find out more see the About work ratings section on page 14.
12
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 older; and your super
balance reaches $6,000; and you’ve received an employer super contribution after
your super balance first reaches $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
(after your balance first reaches $6,000), or
› the date your super balance first reaches $6,000, or
› the date you turn 25 (as long as you’re receiving employer super contributions).
Cover can’t start more than 120 days before we receive the first employer super
contribution after your super balance first reaches $6,000.
For more information about when cover starts, see the Insurance in your super guide
for your division at australiansuper.com/InsuranceGuide
See how much basic Income Protection you could have and the weekly cost –
based on your age, Blue Collar individual work rating*, a two year benefit payment
period and 60 day waiting period.
Age
Income
Protection
a month
()
Weekly cost
of basic
Income
Protection
()
– 
  
  
  
  
  
  
  
  
  
  
  
  
Age
Income
Protection
a month
()
Weekly cost
of basic
Income
Protection
()
  
–  –
  
–  –
  
–  –
  
–  –
  
–  –
  
–  –
–  –
Age
Income
Protection
a month
()
Weekly cost
of basic
Income
Protection
()
  
  
  
  
  
  
  
  
  
  
  
  
  
Total weekly costs are quoted gross of tax. Costs are rounded for disclosure purposes.
* To find out more see the About work ratings section on page 14.
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 cover will be deducted monthly from your super
account from the latest of the dates shown above. See the Change or
cancel your cover anytime section on page 14 to learn how you can
cancel it – even if it hasn’t started yet.
13
New member insurance oer
You can apply once to either start your basic cover and/or apply for more cover*
without providing detailed health information.
Type of cover
Total cover you can apply for
with no health questions
Total cover you can apply for
with a few health questions
Death or TPD Up to 
Up to  million (cover above 
will be capped at the lower of  million
or  times your salary†)
Income
Protection
Up to  a month or  of
your salary† (whichever is lower)
Up to  a month or  of
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.
† Salary is your annual (before tax) salary, excluding employer super contributions.
You can apply for additional cover above these limits anytime but you’ll need to
provide detailed health information for the Insurer to consider.
How to apply for the new member insurance oer
You can take up this oer when you join online at australiansuper.com/join or by using
the Join AustralianSuper form in this PDS.
If you’d like to take up this oer later, you’ll need to apply within 120 days of the date
on your welcome letter by:
› completing the Set up your account form you receive with your welcome letter, or
› using the app and going to Insurance, or
› logging into your account and going to My insurance, then Change my insurance.
If you don’t take up the new member insurance oer, or you’re not eligible, you can still
apply for or change your cover anytime, but you’ll need to provide detailed health
information for the Insurer to consider if you’re increasing your cover. See the next page
for more information.
Limited cover
Limited cover means you don’t have full cover yet and you won’t be covered for any
pre-existing illness or injuries you had before you got your insurance and it may last for
dierent lengths of time.
You’ll be covered for an illness that becomes apparent, or an injury that occurs on or
after the date that your insurance starts or increases.
Any additional cover you apply for through the new member insurance oer will be
limited cover for at least two years.
Full cover means your cover is not limited cover. To learn more and understand other
circumstances for limited cover see the Limited cover section in the Insurance in your
super guide for your division at australiansuper.com/InsuranceGuide
AustralianSuper insurance is provided by TAL Life Limited (the Insurer)
ABN 70 050 109 450 AFSL 237848.
To be eligible to take up the new member insurance oer you must
apply for it first before making any changes to your insurance. Changes
include cancelling any of your cover, applying to transfer your cover
from another provider, changing your individual work rating, changing
your income protection waiting period or benefit payment period, or changing
the amount or type of your cover. If you make any of these changes you won’t
be eligible.
14
Before making a decision and applying for cover, you should read the Insurance in
your super guide for your division at australiansuper.com/InsuranceGuide It details
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,
active employment, 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.
If you want to apply to change your individual work rating within the new member
insurance oer, make sure you change it at the same time and not beforehand.
You won’t be eligible for the oer if you change your individual work rating before
you change your cover. Your application is subject to approval by the Insurer.
Change or cancel 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 changes you can make include:
› reducing or applying to increase the amount of cover you have
› applying to change your individual work rating
› applying to transfer cover from another fund or insurer
› applying to change your Income Protection benefit payment period or waiting period.
Check your level of cover is right for you and the cost by using our calculator at
australiansuper.com/InsuranceCalculator
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 or 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
A work rating classifies the usual activities of your job into one of three ratings:
Blue Collar, White Collar or Professional. Your individual work rating is one of the factors
that determines how much you pay for your insurance cover.
Insurance cover with a Blue Collar individual work rating is the most expensive. However,
if you spend more than 80% of your job doing clerical or administrative activities in an
oce-based environment, and/or aren’t exposed to any unusual hazards you may be
eligible for a White Collar or Professional individual work rating and pay less for your cover.
If you think you’re eligible, complete the work rating questions when you join online at
australiansuper.com/join or in the Join AustralianSuper form in this PDS.
* Any age-based cover will only start once you’re 25.
15
9 How to open an account
There are two ways you can join us.
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 o’ 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 investment earnings (positive or negative), in line with how
we apply crediting rates. See australiansuper.com/InvestmentGuide for more details.
Cancelling your membership during this period means you won’t be entitled to
any insurance benefits.
How to make a complaint
We work hard to ensure you won’t have cause to make a complaint, but if you do, you
can discuss it with us by calling 1300 300 273 (8am–8pm AEST/AEDT weekdays)
or by emailing your complaint to us via our website at australiansuper.com/email
We aim to have all complaints resolved within 90 days (or 45 days if you’re
complaint is received on or after 5 October 2021). If your complaint isn’t resolved
by our internal complaints procedure within these timeframes you can refer it to
the Australian Financial Complaints Authority (AFCA).
Visit australiansuper.com/contact-us for full details of our complaints process,
other ways you can send through your complaint and AFCA’s contact details.
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
Oce (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.
Join online
Set up your account the way you
want – straight away!
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).
OR
Send us an application form
Complete the Join AustralianSuper
form provided with this PDS.
S
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2013-2021
S
U
P
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T
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O
N
2021
2021
O
U
T
S
T
A
N
D
I
N
G
V
A
L
U
E
We’re here to help
Call us
1300 300 273
8am–8pm AEST/AEDT weekdays
Email or message us
australiansuper.com/contact-us
Readers Digest Most Trusted Brands – Superannuation category winner for nine years running 2013–2021,
according to research conducted by independent research agency Catalyst Research.
1266.0 09/21 ISS14
If you need any help to fill out any of these forms,
please call us on 1300 300 273 between
8am and 8pm AEST/AEDT weekdays.
1266.0 IND JOIN 09/21 ISS14
australiansuper.com 1300 300 273
Don’t like forms? Join online at
australiansuper.com/join
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
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
AustralianSuper
If you have an employer who makes super contributions for you, complete this form and
give it to them.
Combine my super into
AustralianSuper
Complete this form to transfer another super account to AustralianSuper. If you want to
combine more than two accounts into your AustralianSuper account you can make
photocopies of the form or combine online at australiansuper.com/combine
Forms to open and set up
your account
Privacy Collection Statement
AustralianSuper Pty Ltd (ABN 94 006 457 987) of GPO Box 1901, Melbourne, Victoria 3001, 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 provide these services. PI is collected from you but
sometimes from third parties like your employer. We will only share your PI where necessary to perform our activities
with our administrator (Australian Administration Services Pty Ltd, Link Group), 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 URL below. Our Privacy Policy details how to access and change your PI, as well
as the privacy complaints process. For complete details go to australiansuper.com/privacy or call us on 1300 300 273.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
This page has been left blank intentionally.
Join AustralianSuper
Please complete in pen using CAPITAL letters. Print
7
to mark boxes.
1266.0 IND JOIN 09/21 ISS14 page 1 of 8
1. YOUR PERSONAL DETAILS
Last name
First name
Date of birth Male Female Mr Ms Mrs
Miss
Dr
D
D
M
M
Y
Y
Y
Y
X
X
X
X
X
X
X
Tax File Number (TFN) Existing member number (if applicable)
Street address
Suburb State Postcode
Postal address (if dierent)
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
You’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)
We’re authorised under super law to collect, use and 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 into your account, you won’t pay more tax than you need to
and it’ll be easier to find your super. If you transfer your super to another fund, we’ll give them your TFN unless you tell us not to in
writing. Visit australiansuper.com/RefTFN for more details.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
AustralianSuper insurance is provided by TAL Life Limited (the Insurer), ABN 70 050 109 450, AFSL 237848
A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for.
Find the TMDs at australiansuper.com/tmd
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
to you
Benefit
proportion %
Total must add up to
100%
When you use this form 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.
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 if you’re 25 or older; and your super balance reaches $6,000; and you’ve received an employer
super contribution after your super balance first reaches $6,000 (age limits and other conditions apply). This is described on pages 11
to 14 of the Product Disclosure Statement.
Complete this section to make changes to your cover. You can cancel it, apply to start and/or change your cover including your
individual work rating and Income Protection waiting period or apply for more cover under our new member insurance oer. The
cost of your cover will be deducted monthly from your super account. 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. Age-based cover will start when you turn 25 (if you’re eligible).
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 don’t want cover to automatically start when you turn 25 or when your super balance reaches $6,000, you can opt out by
cancelling it (go to section 4.1).
New member insurance oer
Apply to start your basic age-based cover (section 4.4), and/or apply for additional cover* without providing detailed health
information (sections 4.6 and/or 4.7). To take up this oer you’ll need to apply within 120 days of the date on your welcome
letter. You’ll be eligible for the oer as long as you’ve never cancelled any of your cover, or applied to transfer cover from another
provider, changed your individual work rating, your Income Protection waiting period or your benefit payment period, 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
insurance oer and apply for more cover later. We’ll write to you with details.
Before you change your cover
You should read the 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, active employment, limited cover and exclusions. 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.
1266.0 IND JOIN 09/21 ISS14 page 2 of 8
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
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 super 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 detailed 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.
Death TPD
Income Protection
4.2 Duty to take reasonable care
The duty to take reasonable care
When you apply for insurance, you are treated as if you are applying for cover under an individual consumer insurance contract.
A person who applies for cover under a consumer insurance contract has a legal duty to take reasonable care not to make a
misrepresentation to the Insurer before the contract of insurance is entered into.
A misrepresentation is a false answer, an answer that is only partially true, or an answer which does not fairly reflect the truth.
This duty also applies when extending or making changes to existing insurance, and reinstating insurance.
If you do not meet your duty
If you do not meet your legal duty, this can have serious impacts on your insurance. Under the Insurance Contracts Act 1984 (Cth)
there are a number of dierent remedies that may be available to the Insurer. They are intended to put the Insurer in the position it
would have been in if the duty had been met. For example, the Insurer may:
• avoid the cover (treat it as if it never existed);
• vary the amount of the cover; or
• vary the terms of the cover.
Whether the Insurer can exercise one of these remedies depends on a number of factors, including:
• whether reasonable care was taken not to make a misrepresentation. This depends on all of the relevant circumstances;
• what the Insurer would have done if the duty had been met – for example, whether it would have oered cover, and if so, on
what terms;
• whether the misrepresentation was fraudulent; and
• in some cases, how long it has been since the cover started.
Before any of these remedies are exercised, the Insurer will explain the reasons for its decision, how to respond and provide further
information, and what you can do if you disagree.
Guidance for answering the questions in this form
You are responsible for the information provided to the Insurer. When answering questions, please:
• Think carefully about each question before you answer. If you are unsure of the meaning of any question, please ask us before
you respond.
• Answer every question.
• Answer truthfully, accurately and completely. If you are unsure about whether you should include information, please include it.
• Review your application carefully before it is submitted. If someone else helped prepare your application (for example, your
adviser), please check every answer (and if necessary, make any corrections) before the application is submitted.
Please note that there may be circumstances where the Insurer later investigates whether the information given to it was true.
For example, it may do this when a claim is made.
Changes before your cover starts
Before your cover starts, the Insurer may ask you whether the information that has been given as part of your application for
insurance remains accurate or whether there has been a change to any of your circumstances. As any changes might require
further assessment or investigation, it could save time if you let us or the Insurer know about any changes when they happen.
If you need help
It’s important that you understand your obligations and the questions that are being asked. Please contact us for help if you have
diculty understanding the process of obtaining insurance or answering any questions.
Please also let us know if you’re having diculty due to a disability, understanding English or for any other reason – we’re here to
help and can provide additional support.
1266.0 IND JOIN 09/21 ISS14 page 3 of 8
1266.0 IND JOIN 09/21 ISS14 page 4 of 8
4.3 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:
Cover designs
Type of cover available
Death and TPD Income Protection
Age-based cover Both the amount of cover you get and the cost of it changes as
you get older.
This is the cover we provide once
you’re eligible. To cancel your basic
cover, go to section 4.1.
Age-based + extra
(fixed) cover
You can add an extra amount of cover on top of your age-based cover.
The extra amount is provided as fixed cover and will stay the same as
you get older (unless you change it) but the cost will change.
✔
n/a
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.
✔ ✔
4.4 Start your age-based cover
If you’ve turned 25, you can choose to start your age-based cover, even if your super balance hasn’t reached $6,000. You should read
the Insurance in your super guide 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 (fixed) or fixed Death and/or TPD cover
by completing section 4.6, or fixed Income Protection by completing section 4.7. Read about our insurance options in section 4.3 first.
4.5 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
4.6 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
You can use this form to apply for:
• total cover (inclusive of basic cover) up to $600,000 without
providing detailed health information, or
• total cover (inclusive of basic cover) above $600,000 (capped
at $1 million or 10 times your salary*, whichever is lower) by
answering a few health questions in section 4.10.
To apply for higher cover amounts, you’ll need to
provide detailed health information for the Insurer
to consider. There’s no limit on the amount of Death
cover you can apply for and TPD is limited to $3
million. To apply, you’ll need your member number
which will be on your welcome letter. You can apply by
logging into your account and going to My insurance
or completing the Change your insurance form at
australiansuper.com/InsuranceForms
* Salary is your annual (before-tax) salary, excluding employer super contributions.
Cover options Type of cover Cover in $1,000 amounts
Apply for extra
(fixed) cover
Extra Death
Extra TPD
†
$ , ,
0 0 0
$
, ,
0 0 0
Write the amount you want added to your
age-based cover.
Apply for fixed
cover
Fixed Death
Fixed TPD
†
$ , ,
0 0 0
$
, ,
0 0 0
Write the amount of fixed cover you want.
If you have age-based cover it’ll be
replaced by this fixed cover.
†
Any amount of fixed TPD cover will reduce gradually from age 61 to zero at age 65.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
To apply for a higher amount, you’ll need to provide detailed health information for
the Insurer to consider. You’ll also need to do this if you want to apply:
• for more Income Protection and you’re aged 65-69
• to change your Income Protection benefit payment period to up to five years or up
to age 65.
To apply for these insurance options, you’ll need your member number which will be on your
welcome letter. You can apply by logging into your account and going to My insurance or
completing the Change your insurance form at australiansuper.com/InsuranceForms
If you’re only applying to change your waiting period
when you join and decide to increase your cover later,
you won’t be eligible for the new member insurance oer
and you’ll need to provide detailed health information for
the Insurer to consider. Go to section 4 for details.
4.7 Income Protection
Complete this section to apply for fixed Income Protection. Print (7) to confirm what you want to do.
The amount of Income Protection you can 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 (before-tax) salary, excluding employer super contributions.
You can use this form to apply for:
• total cover up to $10,000 a month
without providing detailed health
information, or
• total cover above $10,000 a month
(capped at $20,000 a month), by
answering a few health questions
in section 4.10.
Example
Ben earns $78,000 a year (before-tax), excluding employer super contributions. The maximum cover amount he can apply for is:
$78,000 x 0.85
= $5,525 a month
12 (months)
Ben can apply for up to $5,600 of Income Protection a month (rounded up to the nearest $100).
Cover options Cover in $100 amounts
Apply for fixed Income Protection
$
,
0
0
a month
Write the amount of fixed cover you want. If you have
age-based cover it’ll be replaced by this fixed cover.
4.8 Change your Income Protection waiting period
Waiting period
The waiting period is the minimum time you must wait before you’ll
start receiving an Income Protection benefit payment (as long as you’re
eligible). Income Protection comes with a 60 day waiting period. You
can change it to 30 days but it will cost more. Payments are made one
month in arrears.
Print (7) to change your waiting period from 60 days to 30 days:
Change my waiting period to 30 days
Your waiting period is eective 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 and go to My insurance 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 dierent costs) download
the Insurance in your super guide for your division at australiansuper.com/InsuranceGuide
1266.0 IND JOIN 09/21 ISS14 page 5 of 8
4.9 Change your individual work rating
A work rating classifies the usual activities of your job into one of three ratings: Blue Collar, White Collar or Professional. Your work
rating is one of the factors that determines how much you pay for your insurance cover. You could pay less for your insurance cover
if your work is rated as White Collar or Professional.
Tell us your occupation (in section 4.5) and complete the questions below to apply to change your individual work rating
to White Collar or Professional.
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 oce-based environment, or
• you’re a professional using your university qualifications 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
4.10 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).
Your answers to these questions will determine if you’re eligible for more cover.
1. Are you:
• unemployed
• employed and o 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 o 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
If you’re only applying to change your individual work rating when you join and decide to increase your cover later, you won’t be
eligible for the new member insurance oer and you’ll need to provide detailed health information for the Insurer to consider.
Go to section 4 for details.
1266.0 IND JOIN 09/21 ISS14 page 6 of 8
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898
5. YOUR INVESTMENT CHOICE
When you join AustralianSuper by completing this form, you’ll
automatically be invested in the default Balanced option – our MySuper
authorised product.
If you’d like to move your money into a dierent investment option or
options, it won’t cost you anything to switch. Just log into your online
account or the mobile app.
For more information about our
investment options, download
the Investment Guide at
australiansuper.com/InvestmentGuide
6. GIVE YOUR FINANCIAL ADVISER ACCESS TO YOUR ACCOUNT DETAILS
Completing this section of the form will give your financial adviser and their sta access to your account details.
If you have previously granted a financial adviser access to your account details, providing details of a new adviser here will remove
access for the previous adviser.
Full name of financial adviser*
Name of business
Adviser email address*
Telephone ASIC Financial adviser representative number* Licensee AFSL number*
* Mandatory fields
1266.0 IND JOIN 09/21 ISS14 page 7 of 8
1266.0 IND JOIN 09/21 ISS14 page 8 of 8
7. DECLARATION
This section must be completed in all circumstances.
I authorise:
• The Insurer to refer any statements that have been made
in connection with my application for cover and any
medical reports to other entities involved in providing
or administering the insurance (for example reinsurers,
medical consultants, legal advisers).
• The Insurer and any person appointed by the Insurer to
obtain relevant information on my financial history from
the Insurance Reference Association and any other body
holding information on me.
• Any hospital, doctor or other person who has treated or
examined me to give to the Insurer any information on my
illness or injury, medical history, consultation, prescription
or treatment or copies of all hospital or medical reports.
I declare that:
• My answers and declarations on this form are true and
correct (including those not in my own handwriting).
• I’ve read and understood the Product Disclosure
Statement that came with this form and the Insurance
in your super guide for my division at australiansuper.
com/InsuranceGuide and understand that the additional
information referred to in the guide is also part of the
Product Disclosure Statement.
• As part of my AustralianSuper membership, I agree to
abide by and be bound by the Trust Deed and Rules at
australiansuper.com/TrustDeed
• If I’ve provided my email address and/or phone number, I
consent to AustralianSuper sending me information about
my account, AustralianSuper’s products and services and
marketing communications, including third-party products
and services, via email, my online account, SMS, mobile
app or phone, as appropriate and in accordance with
AustralianSuper’s Privacy Policy. I understand I can change
my communication preferences at any time by calling
AustralianSuper on 1300 300 273 or through the Manage
my communications section of my online account..
A summary of AustralianSuper’s Privacy Collection
Statement is at the front of this booklet. Our Privacy
Collection Statement and Privacy Policy may change
from time to time. The latest versions will be available
online at australiansuper.com/CollectionStatement and
australiansuper.com/privacy
For information on the Insurer’s privacy and information-
handling practices, read their Privacy Policy Statement at
www.tal.com.au or call 1300 209 088 for a copy.
I acknowledge that:
• If I haven’t completed section 4 of this form, there’ll be no
change to any basic insurance cover I have or am eligible for.
• The answers I’ve provided will form the basis of the contract
of insurance, and that cover will be provided on the terms
and conditions set out in the contract of insurance with the
Insurer and as agreed between AustralianSuper and the
Insurer from time to time.
• If I’ve chosen to start my cover, the cost of it will be
deducted monthly from my super account, once the cover
starts.
• If I’ve applied to make any changes to my cover (including
changing my waiting period), and my application is
accepted, my cover will start automatically even if I haven’t
turned 25 and my super balance hasn’t reached $6,000.
Age-based cover will start when I turn 25 (if I’m eligible).
This means that the cost of my cover will also start to be
deducted monthly from my super account.
• If I fix any of my cover, I understand that my cover amount
won’t change (except fixed TPD cover reduces gradually
from age 61 to zero at age 65) but the cost will increase
with age.
• If I’ve chosen to cancel any of my cover, I’ll no longer be
insured for that cover, and:
– I (or my beneficiaries) won’t be able to make an insurance
claim if something happens after I cancel.
– The cost of cover will stop being deducted from my super
account (costs are deducted one month in arrears).
– I might not be able to get cover later. If I decide to reapply
I’ll need to provide detailed health information for the
Insurer to consider.
– If I’m replacing this cover with another insurance policy, I’ll
wait until the other insurer confirms my cover has started.
– I’ve considered getting financial advice to help work out
if cancellation is right for me.
• My eligibility to claim for benefits will be determined by the
Insurer in line with AustralianSuper’s insurance policy terms
and conditions.
• A photocopy of this authorisation is as valid as the original.
• Any change in cover will start from:
– the date the change is accepted by the Insurer (as long as
my employer is paying super contributions) or
– the date I receive confirmation that my cover has started
or re-started (and it hasn’t stopped again)
whichever is the later date.
Sign here:
Date
D
D
M
M
Y
Y
Y
Y
Print full name
Please return this completed form to: AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
or upload a scanned copy of your completed form to us via our website at australiansuper.com/email
Questions? Telephone 1300 300 273 Web australiansuper.com
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 09/21 ISS14 page 1 of 1
Pay my super into AustralianSuper
Give this completed form to your employer. Don’t send it to us or the Australian Taxation Oce.
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
* QuickSuper 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 dierent 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
Date employee’s request received:
D
D
M
M
Y
Y
Y
Y
Date employee’s request actioned:
D
D
M
M
Y
Y
Y
Y
Call us on 1300 300 273 if you need help
understanding your employer super obligations
or making payments for your employees.
Employee number if known:
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
Fund name:
Unique Superannuation Identifier (USI):
Australian Business Number (ABN):
Fund telephone number:
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
STA0100AU
65 714 394 898
1300 300 273
AustralianSuper
Save form
Print form
Clear form
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
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 1266.0 IND JOIN 09/21 ISS14 page 1 of 2
FROM:
Other super fund
Fund name
Fund phone number Member or account number
Australian Business Number (ABN) Unique Superannuation Identifier (USI)
Self-managed super fund (SMSF)
SMSF name Australian Business Number (ABN)
Electronic Service Address (ESA)
TO: Fund name
Member number Phone number
AUSTRALIANSUPER
1
3
0
0
3
0
0
2
7
3
Australian Business Number (ABN) Unique Superannuation Identifier (USI)
6
5
7
1
4
3
9
4
8
9
8
S
T
A
0
1
0
0
A
U
Please complete in pen using CAPITAL letters and print
7
to mark boxes where applicable. Form must be completed in full.
If you want to combine super from multiple accounts, you'll need to complete a separate form with original signatures for each
account you wish to combine. Alternatively you can combine multiple accounts online at australiansuper.com/combine
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
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
STEP 3. IS THIS A WHOLE OR PARTIAL BALANCE ROLLOVER?
Before combining your super: If you're combining your super, you should consider any fees and costs that may apply and the impact on your
insurance cover and 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 the
Insurance in your super guide at australiansuper.com/InsuranceGuide
Combine your super into AustralianSuper
Request to transfer whole or partial balance of super account to AustralianSuper.
1266.0 IND JOIN 09/21 ISS14 page 2 of 2
Please return this completed form to: AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
or upload a scanned copy of your completed form to us via our website at australiansuper.com/email
Questions? Telephone 1300 300 273 Web australiansuper.com
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 are authorising us to give this information to your other super fund. They'll confirm your ID with
the Australian Taxation Oce. It’s optional to provide your Tax File Number (TFN) but there are several advantages if you do.
See 'Providing your TFN' below for more information.
STEP 5. SIGN THIS FORM
Important information
1. You can't nominate a balance transfer date. The balance transfer
will start within three business days of the date we receive your
completed application.
2. If you want to transfer any insurance cover you have with your
previous fund to AustralianSuper, you’ll need to complete an
Insurance transfer form before you combine your super.
Download a copy at australiansuper.com/InsuranceForms.
3. If you're making a whole balance transfer, check any remaining
employer contributions have been received and no future
payments will be made into your FROM account.
4. This form doesn't:
• transfer super benefits if you don’t know where your super is
• transfer benefits from multiple funds on one form – you must
use a separate form for each fund you wish to transfer
• change the fund to which your employer pays your
contributions
• open a new super account, or
• transfer benefits under certain conditions or circumstances,
for example if there is a superannuation agreement under
the Family Law Act 1975in place.
Providing your TFN
We’re authorised under super law to collect, use and 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
into your account, you won’t pay more tax than you need to
and it’ll be easier to find your super. If you transfer your super to
another fund, we’ll give them your TFN unless you tell us not to
in writing. Visit australiansuper.com/RefTFN for more details.
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 GPO Box 1901, Melbourne, Victoria 3001, 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 provide these services. PI is collected from you but sometimes from third parties like your employer. We will only
share your PI where necessary to perform our activities with our administrator (Australian Administration Services Pty Ltd, Link Group),
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 URL below. Our Privacy Policy details how to access and change your PI,
as well as the privacy complaints process. For complete details go to australiansuper.com/privacy or call us on 1300 300 273.
You need to sign here
Date
D
D
M
M
Y
Y
Y
Y
By signing this request form I'm making the following statements:
• I'm aware I may ask my super provider for information about
any fees or charges that may apply, or any other information
about the eect this transfer may have on my benefits such
as insurance cover, and do not require any further information.
• I discharge the super provider of my FROM fund of all further
liability in respect of the benefits paid and transferred to
AustralianSuper.
• I authorise AustralianSuper (or its agents) to contact my other
super fund regarding this request to combine my super from
that fund into my AustralianSuper account only.
• I'm aware that once my completed form is received by
AustralianSuper, it will usually be processed within three
business days.
• I've read the Privacy Collection Statement below and I
understand how AustralianSuper will use my personal
information. To the best of my knowledge, the information
I have provided on this form is correct.
• If I’ve provided my email address and/or phone number,
I consent to AustralianSuper sending me information about
my account, AustralianSuper’s products and services
and marketing communications, including third-party
products and services, via email, my online account, SMS,
mobile app or phone, as appropriate and in accordance
with AustralianSuper’s Privacy Policy and my existing
communication preferences. I understand I can change
my communication preferences at any time by calling
AustralianSuper on 1300 300 273 or through the My
communication preferences section of my online account.
I request and consent to the transfer of super as described within
this form and authorise the super provider of each fund to give
eect to this transfer.
To combine other super accounts into AustralianSuper, go to australiansuper.com/combine
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Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 1266.0 IND JOIN 09/21 ISS14 page 1 of 2
FROM:
Other super fund
Fund name
Fund phone number Member or account number
Australian Business Number (ABN) Unique Superannuation Identifier (USI)
Self-managed super fund (SMSF)
SMSF name Australian Business Number (ABN)
Electronic Service Address (ESA)
TO: Fund name
Member number Phone number
AUSTRALIANSUPER
1
3
0
0
3
0
0
2
7
3
Australian Business Number (ABN) Unique Superannuation Identifier (USI)
6
5
7
1
4
3
9
4
8
9
8
S
T
A
0
1
0
0
A
U
Please complete in pen using CAPITAL letters and print
7
to mark boxes where applicable. Form must be completed in full.
If you want to combine super from multiple accounts, you'll need to complete a separate form with original signatures for each
account you wish to combine. Alternatively you can combine multiple accounts online at australiansuper.com/combine
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
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
STEP 3. IS THIS A WHOLE OR PARTIAL BALANCE ROLLOVER?
Before combining your super: If you're combining your super, you should consider any fees and costs that may apply and the impact on your
insurance cover and 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 the
Insurance in your super guide at australiansuper.com/InsuranceGuide
Combine your super into AustralianSuper
Request to transfer whole or partial balance of super account to AustralianSuper.
1266.0 IND JOIN 09/21 ISS14 page 2 of 2
Please return this completed form to: AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
or upload a scanned copy of your completed form to us via our website at australiansuper.com/email
Questions? Telephone 1300 300 273 Web australiansuper.com
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 are authorising us to give this information to your other super fund. They'll confirm your ID with
the Australian Taxation Oce. It’s optional to provide your Tax File Number (TFN) but there are several advantages if you do.
See 'Providing your TFN' below for more information.
STEP 5. SIGN THIS FORM
Important information
1. You can't nominate a balance transfer date. The balance transfer
will start within three business days of the date we receive your
completed application.
2. If you want to transfer any insurance cover you have with your
previous fund to AustralianSuper, you’ll need to complete an
Insurance transfer form before you combine your super.
Download a copy at australiansuper.com/InsuranceForms.
3. If you're making a whole balance transfer, check any remaining
employer contributions have been received and no future
payments will be made into your FROM account.
4. This form doesn't:
• transfer super benefits if you don’t know where your super is
• transfer benefits from multiple funds on one form – you must
use a separate form for each fund you wish to transfer
• change the fund to which your employer pays your
contributions
• open a new super account, or
• transfer benefits under certain conditions or circumstances,
for example if there is a superannuation agreement under
the Family Law Act 1975in place.
Providing your TFN
We’re authorised under super law to collect, use and 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
into your account, you won’t pay more tax than you need to
and it’ll be easier to find your super. If you transfer your super to
another fund, we’ll give them your TFN unless you tell us not to
in writing. Visit australiansuper.com/RefTFN for more details.
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 GPO Box 1901, Melbourne, Victoria 3001, 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 provide these services. PI is collected from you but sometimes from third parties like your employer. We will only
share your PI where necessary to perform our activities with our administrator (Australian Administration Services Pty Ltd, Link Group),
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 URL below. Our Privacy Policy details how to access and change your PI,
as well as the privacy complaints process. For complete details go to australiansuper.com/privacy or call us on 1300 300 273.
You need to sign here
Date
D
D
M
M
Y
Y
Y
Y
By signing this request form I'm making the following statements:
• I'm aware I may ask my super provider for information about
any fees or charges that may apply, or any other information
about the eect this transfer may have on my benefits such
as insurance cover, and do not require any further information.
• I discharge the super provider of my FROM fund of all further
liability in respect of the benefits paid and transferred to
AustralianSuper.
• I authorise AustralianSuper (or its agents) to contact my other
super fund regarding this request to combine my super from
that fund into my AustralianSuper account only.
• I'm aware that once my completed form is received by
AustralianSuper, it will usually be processed within three
business days.
• I've read the Privacy Collection Statement below and I
understand how AustralianSuper will use my personal
information. To the best of my knowledge, the information
I have provided on this form is correct.
• If I’ve provided my email address and/or phone number,
I consent to AustralianSuper sending me information about
my account, AustralianSuper’s products and services
and marketing communications, including third-party
products and services, via email, my online account, SMS,
mobile app or phone, as appropriate and in accordance
with AustralianSuper’s Privacy Policy and my existing
communication preferences. I understand I can change
my communication preferences at any time by calling
AustralianSuper on 1300 300 273 or through the My
communication preferences section of my online account.
I request and consent to the transfer of super as described within
this form and authorise the super provider of each fund to give
eect to this transfer.
To combine other super accounts into AustralianSuper, go to australiansuper.com/combine
Save form
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Completed 24 May 2022

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