United magazine Summer 2016
The official journal of the United Services Union: Well members, I don’t know about you but I am wondering how we got to the end of 2016 so fast! What a year it has been! The USU has been at the forefront of many campaigns and on many counts we are winning.
The official journal of the United Services Union: Well members, I don’t know about you but I am wondering how we got to the end of 2016 so fast!
What a year it has been! The USU has been at the forefront of many campaigns and on many counts we are winning.
You also want an ePaper? Increase the reach of your titles
YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.
CAN YOU AFFORD<br />
TO WAIT UNTIL<br />
SOMETHING HAPPENS<br />
TO SEE IF YOU<br />
HAVE ENOUGH<br />
INSURANCE?<br />
We recognise the risks associated with working in the energy and construction industries, and we believe<br />
that insurance cover is essential for the protection of our members, their future and families.<br />
Consider<br />
Default Cover<br />
What would happen if you were unable to work for a period of time due to sickness or injury, would you be able<br />
to meet your living expenses and family commitments? Worse still, could your family cope financially with your<br />
unexpected disablement or death, how would you meet your day to day expenses and maintain your standard<br />
of living? Protecting your most important asset is critical to the financial wellbeing of you and your family.<br />
By joining EISS Super, you automatically receive a basic package<br />
of insurance called Default Cover which includes Death and Total<br />
and Permanent Disablement (TPD) cover.<br />
Do you need additional cover?<br />
There are many factors that can affect the level of cover you need such<br />
as how many kids you have, how much you earn and how much you<br />
spend. To assess how much additional cover you may require, you can<br />
use our handy online insurance calculator available at eisuper.com.au or<br />
you can speak to one of our financial planners.<br />
Have you considered Salary Continuance<br />
Insurance?<br />
Salary Continuance Insurance provides you with the ability to meet<br />
your ongoing financial commitments in situations where you are<br />
unable to work. It helps cover your living costs, such as mortgages<br />
and car repayments until you are ready to return to work and earn an<br />
income again.<br />
Did you know that approximately 83% of<br />
Australians insure their car but only 31% insure<br />
their ability to earn an income with Salary<br />
Continuance Insurance?*<br />
Life Event cover now available<br />
Life Event Cover recognises the need for additional insurance cover as your<br />
circumstances change and provides a straightforward process for you<br />
to increase your insurance cover during a range of life events such as:<br />
• the birth or adoption of a child;<br />
• marriage or commencement of de facto relationship;<br />
• divorce or termination of a de facto relationship; and<br />
• taking out a mortgage to purchase or renovate a home<br />
which is your primary residence.<br />
What happens if you are injured or worse?<br />
We understand that if you are injured or worse this will be an incredibly<br />
stressful time for you and your family. If something happens to you,<br />
please call us and we will help you through the claims process. You will<br />
be given a single point of contact to fast track your claim.<br />
We are here<br />
to help<br />
If you would like to discuss your insurance needs with an EISS Financial Planner, please call (02) 9046 1920 or email<br />
fp@eisuper.com.au.<br />
EISS811 - USU<br />
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<br />
document is issued by Energy Industries Superannuation Scheme Pty Limited ABN 72 077 947 285, RSE Licensee L0001373 and AFS<br />
Licence 441877 (the Trustee) as trustee for Energy Industries Superannuation Scheme Pool A ABN 22 277 243 559, RSE R1004861 - Pool B<br />
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<br />
products offered by the Trustee have a Product Disclosure Statement (PDS) which is available at eisuper.com.au. Before making any decisions<br />
about an EISS product you should read and consider the relevant PDS.<br />
*lifewise.org.au<br />
36 • <strong>United</strong> <strong>Summer</strong> <strong>2016</strong><br />
EIS811_USU_Ad_275x210_vF.indd 1<br />
29/11/<strong>2016</strong> 12:24 PM