SunsuperInsuranceClaimsguide -DeathIssue date: 2 September 2020

Contents

31. Death claims

32. How do I make a Death claim

43. Sunsuper claims philosophy

54. What does the Death benefit ‘claims pack’

contain?

55. What youwill need to provide for the Death

claim

66. The Death claim assessment process

77. Complaints

98. Claim payment

99. Frequently asked questions about Death

claims

1110. Proof of identity requirements

This Claims guide provides information about making an insurance claim.

For specific information about insurance cover, including eligibility and the terms and conditions that apply, you should refer to the applicable Insurance guide (Sunsuper forlife, Sunsuper for life Business or Sunsuper for life Corporate). Contact us if you’re not sure which would apply in your situation.

General advice disclaimerThis document contains general information only and doesn’t take into account your personal objectives, financial situation or needs. You should consider the appropriateness ofthe information in this document with regard to your objectives, situation and needs. You should consider the Product Disclosure Statement before making a decision. Visitsunsuper.com.au/pds, your employer’s Sunsuper for life Business or Corporate microsite, or contact us for a copy.

Protecting your privacySunsuper respects the privacy of the information you give us. If you require a copy of our Privacy Policy visit sunsuper.com.au/privacy or contact us.

1. Death claims

We understand that dealing with the loss of a loved oneis a difficult time. We are here to help you and your familywith the process and we will do our best to help ensurethat your claim is dealt with as quickly as possible.

What is a Death claim?A Death claim is a request for a deceased Sunsuper member’ssuperannuation account balance. Where the deceased memberhad active Death insurance cover at the time of their passing,the Death insurance cover forms a part of their total Deathbenefit.

Do I need a lawyer?Our claims process has been designed to make it as easy aspossible. So that in most cases, you or your family should notrequire the assistance of a lawyer when making a claim. If youare thinking about seeking legal help, we recommend that youfirst determine the costs involved in doing so and how they willimpact your benefit payout. We recommend that you contact usbefore seeking help from a lawyer.

What is the claims process?The claims process typically has six key steps:

1. Contact us – The sooner you contact us the sooner we canassist you.

2. Eligibility check – We will ask you to provide us with someinformation relating to your claim. This will allow us to provideyou with the correct claim pack. We will email the claims pack toyou by the next business day or, if you require hard copy forms,we will send these within 5 business days.

If we assess that you are not eligible to make a claim, we willexplain this in writing and give you the opportunity to providemore information so that we can review your eligibility.

3. Claims pack – Sunsuper Claims packs are tailored to thecondition or event you may be claiming. It is important youprovide uswith asmuch information as possible and submit yourclaim as soon as you can to enable us to commence your claim.

4. Claim assessment – Once Sunsuper has received all yourrequired claim information, our insurer will commence theirassessment process. Our promise to you is that we will provideyou with regular updates throughout your claim.

5. Trustee review – The Sunsuper Trustee is committed toensuring that the assessment you receive from the Insurer isfair and transparent, and that all final claim decisions are fairand reasonable. We have a dedicated team who review yourclaim, and will request any clarification or challenge decisionson your behalf, or in some cases, seek further information fromyou to support your claim.

6. Confirmation –Wewill contact youwith the outcome of yourclaim.

Need some financial advice?Speak to your adviser or contact Sunsuper to get the advice youneed. Call 13 11 84 if you want to speak to one of our qualifiedfinancial advisers1 who can give you simple advice about yourSunsuper account at no additional cost quickly over the phone.For more comprehensive advice on all aspects of your super andretirement, financial products and services we may refer you toan accredited external financial adviser.2 Advice of this naturemay incur a fee.1 Sunsuper employees provide advice as representatives of Sunsuper Financial ServicesPty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), wholly owned by the SunsuperSuperannuation Fund. 2 Sunsuper has established a panel of accredited externalfinancial advisers who are not employees of Sunsuper. Sunsuper is not responsible forthe advice provided by these advisers and does not receive or pay any referral fees.These advisers will explain to you how their advice fees are determined.

2. How do I make a Deathclaim

If you believe you may be eligible to claim as a beneficiary of adeceased Sunsuper member, we are here to help you. There arethree major steps that you need to complete in order to submita claim and they are explained in detail within this guide.

Contact us on 13 11 84 - We're here tohelp at no cost to youAt your earliest convenience contact us, and one of ourexperienced Claims Representatives will guide youthrough the process of a death claim.

1The Claims Representative will:

confirm details of the deceased Sunsuper member,including their member number, date of birth anddate of death,explain to you the documents and information youneed to provide for the claim to be assessed, andprovide any claim forms (known as a ‘claims pack’)you need to complete.

We will begin the death claim process as soon as weare advised of the deceased Sunsuper member’s dateof death, however formal notification is required forany claim to proceed.

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The necessary information explainedThere is some necessary information that Sunsuperrequires in addition to death claim forms. This includes:

2A certified copy of proof of age of the deceasedmember such as:

Drivers licence,Passport,Proof of age card, orBirth certificate.

And a certified copy of one of the followingdocuments:

Death certificate,Coroner’s report,Autopsy report,Inquest finding, orA medical certificate of death, completed by aregistered medical practitioner.

The claims pack we send you contains importantinformation about what you need to do, and what weneed from you. Please take some time to carefully readthis information and gather all the information anddocuments required. You will need to answer severalquestions and may need to provide us with additionalinformation.

Formal notificationOnce you have obtained the necessary information andcompleted the death claim forms, return these toSunsuper at your earliest convenience. This is yourformal notification to us.

3We recognise that this may be an emotional anddaunting task. Our Claims Representatives are here tohelp you every step of the way. They will assist youand answer any questions you may have.

Once our Claims Representatives receive formalnotification of death they will switch the deceasedmember's existing investment options into Sunsuper’sCash investment option1, (normallywithin five businessdays). Any insurance benefits received from the Insurerwill also be paid into the Cash investment option. Fundswill be held here until the Sunsuper Trustee finalisespayment to all beneficiaries.

More detailed information in regards to the claim forms,documentation required and the death claim process,along with frequently asked questions, is provided inthe latter pages of this guide.

1 Sunsuper’s Cash investment option is a relatively stable investment option

subject to small fluctuations in returns.

3. Sunsuper claimsphilosophy

Weadopt a professional, compassionate and respectful approachto claims management by actively keeping customers at theheart of everything we do.

Each claim is unique andwe are sensitive to our customers’ needsat a difficult time - be it due to an illness or injury, or due to theloss of a loved one. As our member’s advocates, we will doeverything that is fair and reasonable at a time when you needit most.

We are committed to being easy to deal with and providingexceptional levels of service to all of our customers.

We seek to be industry leading and innovative in our approachto claimsmanagementwhilst ensuringwe are fair and reasonableto all stakeholders.

Insurance in Superannuation Voluntary Code ofPracticeSunsuper is one of the first funds to adopt the Insurance inSuperannuation Voluntary Code of Practice (Code). Not onlydoes this demonstrate our commitment to providing the bestinsurance offering for our membership, but we also commit toensuring our processes are fair, transparent, honest, timely andrespectful to you. For more information on the Code, pleaserefer to sunsuper.com.au/insurance

The role of the InsurerOnce you have provided the information requested andwe haveconfirmed that the member was insured at the date of death,wewill submit an insurance claim to the Insurer for assessment.Once the assessment is complete, the Insurer will communicatetheir decision to the Sunsuper Trustee for review.

The role of the Sunsuper TrusteeThe Sunsuper Trustee has a duty to act in the best interests ofthe fund’s members and is bound by the covenants in theSuperannuation Industry (Superannuation) Act 1993.

The Trustee has a dual role in relation to Death claims – reviewand consideration of the Insurer decision, and the distributionof the death benefit.

All Insurer decisions are referred to the Sunsuper Trustee forreview and consideration of any insurance. If the SunsuperTrustee requires extra information or does not agree with theInsurer’s decision, the claim will be sent back to the Insurer forreconsideration.

After the insurer has advised of their decision (where applicable),and all required information has been obtained from all potentialbeneficiaries, the claimwill be submitted to the Sunsuper Trusteefor consideration. The Trustee will make a determination as towhom the benefit will be paid, and in what proportion (subjectto any valid binding beneficiary nomination).

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4. What does the Deathbenefit ‘claims pack’contain?

The claims pack includes forms that you need to completewhenmaking a claim for death benefits. Some of the included formsare explained below. Please do not hesitate to contact us if youhave any questions about the forms provided, as we want toensure that your claim is progressed as quickly as possible.

Death benefit claim form

What is this form for? This form requests details aboutthe deceased Sunsupermember, including details abouttheir last employer and other superannuation accountsas well as information about you as the claimant, andyour relationship to the deceased. In order to ensure

1Sunsuper pays the correct beneficiary, we are requiredto ask about the deceased member’s family situation,including details about their spouse, children, parents,living arrangements, financial affairs, and Estate details.

Tip: As this form references a lot of legal terms, wehave explained some of these below.

A Will is a legal document that details how anindividual’s property and belongings are to be dividedupon their death. Superannuation does not generallyform part of a person’s Estate. Under aWill, an ‘Executor’– who is responsible for looking after an individual’sestate – is appointed. Upon the individual’s death, theExecutor will work out the individual’s assets, pay anydebts and then distribute the remaining assets inaccordance with the details of the Will.

Probate is a Court order that allows the Executor namedin aWill tomanage the deceased individual’s estate andassets.

Letters of Administration: where the deceased hasnot left aWill, a personmay apply to the Supreme Court(in the State or Territory inwhich the deceased resided)for a grant of Letters of Administration. Generally, thedeceased person’s next-of-kin will be granted Lettersof Administration. Similar to a grant of Probate, Lettersof Administration allow the person appointed toadminister the deceased’s Estate. A person who isgranted Letters of Administration is called an‘Administrator’.

Appointment of representative

What is this form for? This form is to be completed ifyou wish Sunsuper to communicate with, or releaseinformation to, a person or organisation acting on yourbehalf.

Tip: Our claims process has been designed so that inmost cases you or your family should not require theassistance of a lawyer when making a claim. If yourequire assistance, our dedicated ClaimsRepresentatives are here to help guide you through the

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process. If you choose to seek professional help, werecommend that you first determine the costs involvedin doing so and how they will impact your benefitpayout.

Employer statement

What is this form for? This form is to be completedby the deceased member’s employer with whom theywere employed at the time of their death or immediatelyprior. This form will only be requested if there is activedeath insurance cover at the time of the deceasedmember’s death.

Tip: We recommend that you contact the HumanResources department from the deceased’s employer,as this formmust be completed by an authorised person.

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5. What you will need toprovide for the Deathclaim

Completing the claim forms is an important step in the claimprocess. The details and evidence you providewill form the basisupon which the Sunsuper Trustee and the Insurer (if relevant)makes their decision. Providing us with all the information werequire and completing the forms correctly will speed up yourclaim. If information is missing or incomplete, we will need tocontact you to ask for it, which will delay your claim. Weunderstand that completing the claim application can be adaunting and emotional task. Our Claims Representatives arehere to help you every step of the way. Please contact us if youhave any questions about the information we require or if youneed any assistance with your claim.

Certified proof of your identityYou must provide certified proof of your identity (for example,a certified copy of your driver’s licence or passport).

Why? For security purposes we need to be sure of the identityof the individual who is submitting the claim. Understandably,you won’t want to send us your original documents, so we askthat you have a copy certified by an authorised person.

Tip: See theProof of Identity Requirements section in this guidefor information onwhat forms of ID are suitable and how to havea copy certified.

Death claims checklistBefore you send your claim through, make sure you havefully and correctly completed the following requirements:

Your certified proof of IDCertified proof of ID of the deceasedDeath benefit claim formEmployer statementFull Certificate of Death – certifiedCertificate of the deceased’s Birth or an extract of BirthEntryLast Will and Testament of the deceased (if one wasleft)Grant of Probate or Letters of Administration (if alreadyobtained)Marriage Certificate of the deceased (if applicable)Decree Nisi (divorce certificate) (if applicable)

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6. The Death claim assessment process

Claims forms received

Insurer acceptance

Sunsuper Trustee review

Objection

Sunsuper Trustee review

Insurance Claim declinedInsurance Claim approved

Insurer assesses claim

Has the claim been approved by the Insurer?

Sunsuper Trustee reviews Insurer’s decline of claim. Does the Trustee agree

with the decision?

The member’s insurance

but their superannuation account balance is paid to

the payee/s.

The member’s insurance

superannuation account balance is paid to the

payee/s.

Sunsuper Trustee reviews claim and claim

outcome advised. Is claim staking required?

Has an objection

been received?

YES

YESYES

YES

NO

NONO

NO

Please note: The process for Death claims where there is no insurance is similar to the above but does not involve the Insurer.

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Claim forms are received

When we receive your claim forms, within 5 business days wewill acknowledge receipt of your claim and your ClaimsRepresentative will review your application to make sure wehave everything we need. If there is anything missing, we willask you for any further information we require. Once we havereceived all the information we need for this initial stage, wewill begin the assessment of your claim. Throughout the claimsprocess, your Claims Representative will keep you updated onits progress.

Insurer assesses claim

Once you have provided the information requested andwe haveconfirmed that the member was insured at the date of death,we will submit an insurance claim to the Insurer. If the Insurerdeclines the claim, it is then referred to the Sunsuper Trusteefor review.

Wewill oversee the progress of the claim tominimise delays andintervene if we become aware that the insurer is not complyingwith the timeframes provided in the Financial Services CouncilInsurer Code. If the insurer tells us that it cannotmake a decisionin the required timeframes because necessary information hasnot been provided, we will tell you the revised timeframes. Ifwe become aware of any errors or mistakes in the claim or in theinformation requested, these will be addressed promptly. Wemay request more information to correct errors or mistakes.

Claim is accepted by Insurer

Once a claim is accepted by the Insurer, it goes to the SunsuperTrustee to consider how to pay the death benefit.

Sunsuper Trustee assesses claim

Once any insurance benefit is received from the insurer, and allthe information is obtained from all potential beneficiaries, theSunsuper Trustee considers the information received andmakesa determination about who the benefit will be paid to and inwhat proportion, subject to legislative requirements.

Claim outcome is advised - claim staking is required

After a decision has been made, the Sunsuper Trustee willcontact all potential beneficiaries in writing to advise to whomthe benefit will be paid and in what proportions. This is referredto as the ‘claim staking process’. Any parties who can legallymake a claim for the benefit, who are not satisfied with theTrustee decision will have 28 days to object to the decision.

Objection is received

If we receive an objection to the Trustee decision in relation todistribution of benefits, wewill contact all potential beneficiariesin writing to advise them that an objection has been receivedand allow a period of time for any further submissions. Once allfurther submissions and requested documentation have beenreceived, the claim will then be resubmitted to the SunsuperTrustee. The Trustee will either confirm or change the previousdecision.

If the decision is confirmed, a confirmation letter will be sent tothe beneficiaries, which then allows another 28 days for anypotential beneficiaries still unsatisfiedwith the decision to lodgea complaint with the relevant Government body (refer toComplaints). If the decision is changed, the claim staking processwill apply and applicants will once again have 28 days to notifythe Sunsuper Trustee of any objections. If any party providesan objection to the revised decision, the process of advising allinterested parties and inviting further submissions will berepeated before the claim is presented to the Sunsuper Trusteeagain.

Claimoutcome is advised - no claim staking is required

Claim staking is not requiredwhere a valid binding death benefitnomination exists. It may also not be requiredwhere the benefitamount is very small or in caseswhere there is only one possibledependant.

Refer to section 9. Frequently asked questions about Deathclaims for information about What is a dependant?

Claim is declined by Insurer

If an insurance claim is declined by the Insurer, it will be referredto the Sunsuper Trustee for assessment. If the Sunsuper Trusteedisagrees with the decision of the Insurer or requires additionalinformation, the claim will be referred back to the Insurer fortheir reconsideration. Your Claims Representative will contactyou to advise you of the next steps.

If the Sunsuper Trustee agrees with the Insurer’s decision todecline the claim, your Claims Representative will contact youto advise you of this outcome, within 5 business days ofcompletion of our review.

If the Sunsuper Trustee agrees with the Insurer’s decision todecline the claim, the Trustee will determine how the accountbalance (excluding insurance proceeds) will be paid (please referto the Sunsuper Trustee assesses claim section in this guide forfurther information).

If you disagreewith this decision you can lodge a complaint withSunsuper.

7. Complaints

If you are unhappy with our service or super fund, we offer acomplaints resolution process at no additional cost to you.

Contact us to discuss your complaint:

Customer Service Team: 13 11 84

sunsuper.com.au/contactus

Sunsuper Customer Relations

GPO BOX 2924

Brisbane QLD 4011

We will do everything within our power to resolve the issue asquickly as possible. If you are still not happy or if Sunsuper hasnot responded within 45 days, you can contact the AustralianFinancial Complaints Tribunal (AFCA).

This is an independent body set up by the Government to helpresolve complaints through conciliation. Theymay be contactedas below:

AFCA

GPO Box 3

Melbourne, Vic 3001

Website: afca.org.au

Telephone: 1800 931 678

Access to AFCA is at no additional cost to you.

AFCA will advise you if they can deal with your complaint, andif so, what information you need to supply. It is possible thatAFCA cannot deal with your matter.

If you lodge your complaint directly with AFCA before you haveraised it with Sunsuper, AFCA will generally forward yourcomplaint to Sunsuper to consider thematter within timeframesspecified by AFCA.

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For up-to-date information on the complaints resolution processrefer to sunsuper.com.au/complaints

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8. Claim payment

Payment will generally be made within a few days of theSunsuper Trustee decision (if no claim staking is required), orupon the 28 day objection period expiring, provided there areno objections. For payment to be made, we must have receivedcertified proof of identity documents for the payees, Tax FileNumber (where applicable), or other documentation such as asigned Deed of Release (where applicable), and been notifiedhow and where the payment is to be made.

The Sunsuper Trustee will generally pay the benefit directly tothe payees determined, except in the case of minor children,when we may pay to a parent or legal guardian on behalf of achild, or pay to a Trustee, such as the Public Trustee.

In the event that the Trustee determines to pay an Estate, thiswill be paid via cheque and will be made out to the Estate of thedeceasedmember. In order to pay an Estate the Trustee requiresa certified copy of the Will or Letters of Administration. In someinstances the Trustee may also request a certified copy of aGrant of Probate.

9. Frequently askedquestions about Deathclaims

What is a binding death nomination?A binding death benefit nomination is a legal instrument thatbinds the Sunsuper Trustee to pay the death benefit to thedeceased member’s dependants, or Legal PersonalRepresentative as nominated by the deceased. Provided thenomination is valid and less than three years old, then theSunsuper Trusteemust pay the death benefit in accordancewiththe nomination.

If the binding death benefit nomination is found to be invalid,then the Sunsuper Trustee will use its discretion to determinehow the benefit is paid, much the same way as a preferredbeneficiary nomination. If there is a Court order that the SunsuperTrustee is subject to, the Sunsuper Trustee will be bound tofollow that Court order. An invalid or lapsed nominationmay stillbe used by the Sunsuper Trustee as a guide when paying thedeath benefit, however it does not ensure it will be paid in thesame way as a valid binding death benefit nomination.

Who is eligible to receive the benefit?When deciding where the benefit will be paid, the SunsuperTrustee will check to see if the deceased member had recordedtheir wishes concerning who their super benefits will be paid toby completing a ‘Binding death benefit nomination’. If there isa valid binding death benefit nomination, the Sunsuper Trusteeis bound to pay the death benefit in accordance with thatnomination. If there is no binding death benefit nomination, orthe nomination is invalid, the Sunsuper Trustee will decide whothe death benefit will be paid to.

Regardless of whether there is a valid binding death benefitnomination in place, the legislation dictates that a death benefitcan normally only be paid to a dependant, the deceasedmember’sLegal Personal Representative, or a combination of the deceasedmember’s dependants and the Legal Personal Representative.

As a general rule, if there is no valid binding nomination, a spouse(including a de-facto) and minor children will be given priorityover other claimants (including adult children), especiallyclaimants who were not financially dependent on the member.

It is important to note, a de-facto relationshipwill generally existwhere a couple live together on a genuine domestic basis. Inmost cases, parents and friends aren’t considered dependantsunless an interdependent relationship exists or the person wasfinancially dependent on the deceased for maintenance orsupport at the time of death.

Legal Personal RepresentativesWhere a deceased has a valid Will, a Legal PersonalRepresentativeis the Executor of their estate. If no Will existsthen someone can apply to be the Legal Personal Representative,whichwill be appointed by the Supreme Court, to administer theestate. This process is called a ‘Grant of Letters ofAdministration’.

What is a dependant?A dependant can be any spouse (including a de-facto), any child,any person who was in an interdependent relationship or anyother personwho theSunsuper Trustee considerswas dependenton the deceased member for maintenance or support (financialdependant), at the date of death.

What is an interdependent relationship?Someone can be in an interdependent relationship if:

they have a close personal relationship,they live together,one or each of themprovides the otherwith financial support,andone or each of themprovides the otherwith domestic supportand personal care.

Dependency can also arise where two people have a closepersonal relationship, but don’t live together or provide eachother with financial support or personal care because of aphysical, intellectual or psychiatric disability.

A person wishing to be considered on the grounds of aninterdependent relationshipwill be asked to provide informationto substantiate the existence of the relationship. Examples ofthis include, but are not limited to:

Evidence of a mutual commitment to a shared lifeEvidence of jointly owned property or shared living costsPublic perception of a close personal relationshipEvidence of an intention that the relationship would remainpermanent

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What is a financial dependant?A financial dependency may exist where you relied on thedeceased member for some or all of your financial needs (forexample, where you had an ongoing reliance on the deceasedmember to assistwith things such as rent ormortgage paymentsand without their assistance your standard of living could notbe maintained).

A person wishing to be considered on the grounds of financialdependencywill be asked to provide information to substantiatethe existence of dependency. This would require evidence ofeither regular or irregular financial support from the deceasedmember.

What happens if the deceased membercommitted suicide?In some instances, an insured death benefit will not be paidwhere the death is caused by suicide or any intentionalself-inflicted act within 12 months of the deceased member’sinsurance cover start date. Please contact us to check if thisapplies in your circumstance.

Are there any other exceptions?An insured death benefit will not be paid where the death iscaused, wholly or partly, directly or indirectly from the deceasedmember being deployed to a hostile environment as part ofactive military service.

Why does it take so long?There aremany steps involved in assessing a claim. The processcan be lengthy and may take a number of months depending onthe individual circumstances. Sunsuper needs to assess allrelevant facts to ensure that it is paying the death benefit tothe right person/people.

How much will I be paid?Any insurance benefit payable is determined at the date of thedeceasedmember’s death. The insurance benefit amounts shownon the deceasedmember’sAnnual statements orMember Onlineare as at a specific time and may be different than the amountat the date of their death.

The total benefit paid will include themember’s account balanceand any insurance benefit payable.

What is the impact of where the death benefitis paid?If the benefit is paid to a dependant, it is paid directly to theperson(s) and does not form part of the deceased member’sestate. Therefore, it is excluded from family provision claimsagainst the deceased member’s estate under relevant State orTerritory legislation, and from claims by any creditors of thedeceased member’s estate.

If the benefit is paid to the Legal Personal Representative, thedeath benefit is paid directly to the deceased member’s estate.It will be paid in accordance with the terms of the deceasedmember’s Will, or according to intestacy provisions if Letters ofAdministration exist, andwill be subject to family provision claimsand claims by any creditors of the deceased member’s estate.

What is a Family Provision application?A ‘Family Provision application’ is a challenge to a Will, whichoccurs where a family member of the deceased feels that theyhave not been adequately provided for under the Will.

Will tax be payable on the benefit?Generally tax is not payable if the benefit is paid to a dependant,unless the beneficiary is an adult child who is 18 or more yearsof age and not ‘financially dependent’. Tax is also not payablewhen paid to the Legal Personal Representative where thebeneficiaries of the estate are dependants of the deceasedmember under taxation laws. Payment to most otherbeneficiaries will be taxable.

Tax on superannuation is complicated and we recommend youspeak to one of our qualified financial advisers to understandhow this will impact any benefits paid. Contact us on 13 1184 to arrange an over the phone appointment today.

Will funeral expenses be reimbursed?Under the Sunsuper Trust Deed and superannuation law, thereis no specific provision that permits payment or reimbursementof funeral expenses from a superannuation death benefit. Anyperson who has paid funeral expenses is not, by reason only ofthat payment, a dependant for superannuation purposes.

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10. Proof of identity requirements

Australia’s $2 trillion plus combined superannuation value represents a large and growing temptation for criminals, with identitytheft the biggest risk when it comes to safeguarding your money; and no-one is immune.

That’s why super funds will ask you to provide certain information and documents about your identity when you request moneyfrom an account. We need to be sure that the super belongs to the person making the claim. Getting your identity documentstogether to access this money may seem like an unnecessary hassle, but we can assure you it’s essential, protecting you is our toppriority.

When do you need to prove your identity?All super funds, including Sunsuper, will ask you to provide certified identification before paying any money out. If you cannotprovide us with one of the primary identification documents outlined on this page, thenwemay accept two of the documents listedin the table on the following page, one document from each column. It’s important to note we cannot accept documents that haveexpired.

We also reserve the right to request additional information to verify your identity before paying your benefit claim.

What is an acceptable identification document?Any one of the following documents will be accepted as primary identification:

a current driver’s licence or permit issued under a law of a State or Territory, or equivalent authority of a foreign country, thatcontains your photo, name, residential address and date of birth (please copy and certify both front and back sections if relevant),a current passport issued by the Commonwealth,a card issued under a law of a State or Territory for the purpose of proving the person’s age which contains your photo, nameand date of birth (please copy and certify both front and back sections if relevant), ora current passport or a similar document issued for the purpose of international travel or a national identity card issued for thepurpose of identification that:

(a) contains your photo, name and signature,(b) is issued by a foreign government, the United Nations or an agency of the United Nations, and(c) if written in a language that is not understood by the person carrying out the verification, is accompanied by an English

translation prepared by an accredited translator.

If you don’t have any primary identification, see the following table for acceptable forms of secondary identification.

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One document from this columnA notice that was issued to you by the Commonwealth, a State or aTerritory within the preceding 12 months

PLUSOne document fromthis column

A birth certificate or birth extractissued by a State or Territory (a) contains your name and your residential address, andA citizenship certificate issued bythe Commonwealth

(b) records the provision of financial benefits to you under a law of theCommonwealth, State or Territory (as the case may be).

A citizenship certificate issued bya foreign governmentA birth certificate issued by aforeign government, the UnitedNations or an agency of theUnited Nations

A notice that was issued to you by the Australian Taxation Officewithin the preceding 12 months

(a) contains your name and your residential address, and(b) records a debt payable to or by you to the Commonwealth under

Commonwealth law relating to taxation.A pension card issued by theDepartment of HumanServices that entitles you tofinancial benefits

Anotice thatwas issued to you by a local government body or utilitiesprovider within the preceding three months

A healthcare card issued bythe Department of HumanServices that entitles you tofinancial benefits (a) contains your name and your residential address, and

(b) records the provision of services by that local government body orutilities provider to your address or to that person.

In relation to a person under the age of 18, a notice that was issuedto you by a school principal within the preceding three months

(a) contains your name and your residential address, and(b) records the period of time you attended the school.

Note: If any of the approved documents have been issued by a foreign government and are written in a language that is notunderstood by the person carrying out the verification, the documents must be accompanied by an English translation prepared byan accredited translator.

What if you’ve recently changed your name?If you have changed your name and have not yet advised us,you will need to provide what is called a ‘linking document’. Alinking document is used to prove a relationship exists betweentwo (or more) names.

Examples of acceptable linking documents are:

Certificate from theBirths, Deaths andMarriagesRegistrationOffice or relevant government source from the issuingcountry (i.e. marriage certificate or change of name)Deed poll or decree nisi (divorce certificate)

What do we mean by certified?We understand you’ll want to provide us with copies of youridentification documents rather than the originals. That’s fine,but you must have them ‘certified’ as a true copy of the original.This means a person who is authorised to certify documentsmust sight the original and the copy of the documents to makesure both documents are identical and then ‘certify’ all copiedpages as true copies by writing or stamping ‘certified true copy’on them. They must also sign and print their name on thedocument and record their qualification (e.g. Justice of the Peace)and the date.

Who can certify your identification documentsin Australia?Only certain people are authorised to certify documents inAustralia. Approved people include those who are currentlyauthorised towitness a statutory declaration under the StatutoryDeclarations Regulations 2018 (Commonwealth), Schedule 2,Part 1 and Part 2.

People authorised to certify yourdocuments include:

Health professional, such as a Chiropractor, Dentist, Medicalpractitioner, Nurse, Optometrist, Pharmacist, Physiotherapist,PsychologistLegal professional, such as a Legal practitioner, Patentattorney, Trade marks attorneyTeacher (full-time) at a school or tertiary education institutionAccountant (member of ICA, ASA, IPA or CPA, ATMA, NTAA)Veterinary surgeonBank officer, building society officer, credit union officer,finance company officer – employed for five years or moreJustice of the Peace, Commissioner for Declarations, orCommissioner for AffidavitsPolice officer, sheriff or sheriff’s officerNotary publicThose who hold a Court position, such as a Bailiff, Judge,Magistrate, Registrar, or Deputy Registrar, Clerk, Master ofa court, CEO of a Commonwealth courtGovernment representatives (elected): Federal, State orTerritory or LocalPublic servants: Federal, State or Territory or Local –employed for five years or moreMinister of religion, or marriage celebrant

If you are unable to locate any of the above certifiers, othersmay be accepted. We recommend you contact us to confirmwhoelse we will accept as a certifier.

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What if you live overseas?If your claim is submitted from outside Australia, we still requirecertified identification documents before we can pay out yourbenefit.

The list of acceptable documents is still the same; however, wecan only accept certified identification documents that are signedby one of the following:

Australian consular officer,Australian diplomatic officer,Police officer of an overseas force,Notary public,Judge of a Court or magistrate in an overseas jurisdiction,International Justice of the Peace (JP),Registrar or deputy registrar of a Court, orCommissioner of oaths.

The person who is authorised to certify documents must sightthe original and the copy to make sure both documents areidentical and then ‘certify’ all copied pages as true copies bywriting or stamping ‘certified true copy’ followed by theirsignature, printed name, qualification (e.g. police officer) anddate. We also require evidence of the certifier’s status.

Examples of what is acceptable include:

Certification requiredQualification

Details of their police badge numberPolice officer

Certificate of their appointment totheir position

Judge or magistrate

Justice of the Peace stamp ornumber

Justice of the Peace

What does a certified identity document look like?

This is what a certified proof of identity document should look like:

Copy of the document that identifies you, (i.e. your passport or driver’s license – front and back)

Authorised person’s stamp and registration number (if applicable)

Write or stamp “certified true copy” of original document

Have the authorised person sign the document

Date of authorisation, and

Name, qualification, phone number and address of authorised person

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Contacting us is easy

sunsuper.com.au/contact-us

13 11 84 (+61 7 3121 0700 when overseas)

GPO Box 2924 Brisbane QLD 4001

Sunsuper Pty Ltd Sunsuper Superannuation FundABN 88 010 720 840 ABN 98 503 137 921 AFSL No. 228975

MySuper Authorisation 98 503 137 921 996Unique Super Identifier (USI) 98 503 137 921 001

Sunsuper is a member of The Association of Superannuation Funds of Australia Limited (ASFA).

Best Corporate Solution

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ىلع ةحاتملا ةمجرتلا ةمدخب

13 11 84 (+61 7 3121 0700 when overseas)

GPO Box 2924 Brisbane QLD 4001

sunsuper.com.au/contact-us

Contacting us is easy.

For ratings and awards information, visit sunsuper.com.au/ratingsagencies.

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This document is prepared and issued by Sunsuper Pty Ltd, the issuerand Trustee of the Sunsuper Superannuation Fund (referred to as “theFund” or “Sunsuper”):

Sunsuper Superannuation FundSunsuper Pty LtdABN 98 503 137 921ABN 88 010 720 840

AFSL No. 228975

Unique Super Identifier (USI) 98 503 137 921 001MySuper Authorisation 98 503 137 921 996

Sunsuper is a member of The Association of Superannuation Funds ofAustralia Limited (ASFA).

For further information on the ratings methodology used and awards referto sunsuper.com.au/ratingsagencies Copyright 2020 Sunsuper Pty Ltd 2215 (09/20)