United magazine Summer 2016

CAN YOU AFFORD
TO WAIT UNTIL
SOMETHING HAPPENS
TO SEE IF YOU
HAVE ENOUGH
INSURANCE?
We recognise the risks associated with working in the energy and construction industries, and we believe
that insurance cover is essential for the protection of our members, their future and families.
Consider
Default Cover
What would happen if you were unable to work for a period of time due to sickness or injury, would you be able
to meet your living expenses and family commitments? Worse still, could your family cope financially with your
unexpected disablement or death, how would you meet your day to day expenses and maintain your standard
of living? Protecting your most important asset is critical to the financial wellbeing of you and your family.
By joining EISS Super, you automatically receive a basic package
of insurance called Default Cover which includes Death and Total
and Permanent Disablement (TPD) cover.
Do you need additional cover?
There are many factors that can affect the level of cover you need such
as how many kids you have, how much you earn and how much you
spend. To assess how much additional cover you may require, you can
use our handy online insurance calculator available at eisuper.com.au or
you can speak to one of our financial planners.
Have you considered Salary Continuance
Insurance?
Salary Continuance Insurance provides you with the ability to meet
your ongoing financial commitments in situations where you are
unable to work. It helps cover your living costs, such as mortgages
and car repayments until you are ready to return to work and earn an
income again.
Did you know that approximately 83% of
Australians insure their car but only 31% insure
their ability to earn an income with Salary
Continuance Insurance?*
Life Event cover now available
Life Event Cover recognises the need for additional insurance cover as your
circumstances change and provides a straightforward process for you
to increase your insurance cover during a range of life events such as:
• the birth or adoption of a child;
• marriage or commencement of de facto relationship;
• divorce or termination of a de facto relationship; and
• taking out a mortgage to purchase or renovate a home
which is your primary residence.
What happens if you are injured or worse?
We understand that if you are injured or worse this will be an incredibly
stressful time for you and your family. If something happens to you,
please call us and we will help you through the claims process. You will
be given a single point of contact to fast track your claim.
We are here
to help
If you would like to discuss your insurance needs with an EISS Financial Planner, please call (02) 9046 1920 or email
fp@eisuper.com.au.
EISS811 - USU
The information in this document is current as at the date of issue. It is of a general nature and does not contain financial advice. This
document is issued by Energy Industries Superannuation Scheme Pty Limited ABN 72 077 947 285, RSE Licensee L0001373 and AFS
Licence 441877 (the Trustee) as trustee for Energy Industries Superannuation Scheme Pool A ABN 22 277 243 559, RSE R1004861 - Pool B
ABN 64 322 090 181, RSE R1004878 (the Scheme). Throughout this document the Trustee is referred to as ‘EISS’, ‘we’, ‘us’, or ‘our’. All financial
products offered by the Trustee have a Product Disclosure Statement (PDS) which is available at eisuper.com.au. Before making any decisions
about an EISS product you should read and consider the relevant PDS.
*lifewise.org.au
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