Product Disclosure Statement: 26 August 2023

Corporate Super
Set up Cbus

Making hard
work pay off
 Low fees
United Super Pty Ltd
ABN 46 006 261 623 AFSL I nsurance
233792 as Trustee for the designed for
Construction and Building
Unions Superannuation your work
Fund ABN 75 493 363 262 History of
(Cbus and/or Cbus Super). 
strong returns
MySuper authorisation
75 493 363 262 473 Investment in
1454.2 08-23 ISS9 industry jobs
Contents 1. About Cbus Super
1. About Cbus Super 2 Cbus Super is one of Australia’s largest
2. How super works 3
3. Benefits of investing with industry super funds, created by workers
Cbus Super 4 for workers.
4. Risks of super 5
5. How we invest your money 5 Established in 1984, Cbus Super looks after more than
6. Fees and costs 7 910,000 members and manages over $85 billion of their
7. How super is taxed 8 money. We keep all fees and costs as low as possible, and
8. Insurance in your super 10 any profits go to our members, not shareholders.
9. How to open an account 15 We deliver strong results over the long term and invest
back into the sectors our members work in. Our advice
About this guide services are designed to help you make the right
This Product Disclosure Statement decisions about your super.
(PDS) contains general information only
and is designed to provide a summary Everything we do is to benefit our members, so they can
of significant information about eventually enjoy the retirement they’ve worked hard for.
Cbus Super. It contains references to
important information which also forms Who is Cbus Corporate Super for?
part of this PDS. You should consider Cbus Corporate Super is for people joining through their
this information together with your own
personal objectives, financial situation employer. Your employer will let you know if you’re eligible
and needs before making a decision. for Corporate Super and will open your account with us.
A financial adviser can help you decide if Otherwise you can join Cbus Super through:
this is the right product for you. Also read
the relevant Target Market Determination
■ Industry Super: for people joining through an employer
at cbussuper.com.au/tmd. If you but not eligible for Corporate Super
want a printed copy of this PDS or ■ Sole Trader Super: for self-employed people
other information referenced, ■ Personal Super: for people not receiving employer
please call 1300 361 784 or email contributions
[email protected].
■ Super Income Stream: for people nearing or in
Unless we’ve said otherwise, information
retirement.
in this PDS is current at the date of
publication, but may change from time to
time. Any updates that aren’t materially Important information to read
adverse will be available at cbussuper. Visit cbussuper.com.au/fund for information including:
com.au/pds or contact us for details of ■ Trust Deed (and governing rules)
any changes. Always check our website
for the most up to date information.
■ significant event notices (including fee/product updates)
Any statement made by a third party or
■ Annual Report
based on a statement made by a third ■ Financial Services Guide
party in this PDS has been included in the ■ details of service providers, appointment attendance,
form and context in which it appears with remuneration of our directors, and remuneration of
the consent of the third party, which has our executives.
not been withdrawn as at the date of this
document. Use of `us’, `we’, `our’ or `the You can also visit cbussuper.com.au/dashboard to
Trustee’ is a reference to United Super access our MySuper product dashboard.
Pty Ltd. Use of `Fund’ refers to Cbus
Super Fund.
Insurance is issued under a group policy
with our insurer, TAL Life Limited
ABN 70 050 109 450 AFSL 237848. All figures stated are as at 30 June 2023 unless otherwise noted.
2 | Set up Cbus Corporate Super
2. How super works
Most people get employer super contributions
Super helps you save for retirement and is compulsory for most employed Australians. That’s why
the government takes less tax from super than other types of investments. Most people receive
super contributions from their employer and can choose the super fund these payments are made to.
The amount your employer must contribute is usually at least 11% of your regular pay (which doesn’t
include overtime or some allowances). There are also other ways to grow your super, such as personal
contributions, government co-contributions and salary sacrifice. See our How super works fact sheet for
more details.

You can build your account with extra contributions

You can get more super by putting in extra money (see page 9 for limits). There are two ways:
1. From your before-tax salary: This could reduce your tax.
2. From your after-tax salary: The government could match money paid in with a co-contribution of
up to $500 if you’re a low to middle income earner.

Combine your super accounts to save

Moving jobs may mean you have several super accounts, paying fees on each of them. You can easily
search for and combine your super through your online Cbus Super account. Or complete the attached
Combine your super into Cbus Super form. To learn more about finding and combining your super visit
cbussuper.com.au/consolidate.

Super’s usually for your retirement

By law, you will generally need to reach your preservation age (age 60 if you were born from 1 July 1964),
or age 65 to access your super savings. Early access is possible under severe financial hardship, terminal
illness, permanent incapacity or on compassionate grounds.

You can stay with Cbus Super when you change jobs
If you don’t choose a fund when starting a new job, your boss may pay your super into your ‘stapled
fund’ as decided by the ATO. If you have more than one fund, this may not be Cbus Super and may not
be right for you. To stick with Cbus Super, complete the I want my super paid into Cbus Super form at
cbussuper.com.au/cs/choose-cbus and give it to your new boss.

You can also stay with Cbus Super when you finish work
After age 60 you can turn your super into regular, tax-free payments with a Cbus Super Income Stream
account. This means you can stay with Cbus Super as you transition into retirement and after you retire.

Keep track of your super

Unless you’ve told us you want to stay with Cbus Super, your account will move to the Australian
Taxation Office (ATO) and any Cbus Super insurance and other benefits will stop if:
■ we can’t contact you for a while (so be sure to keep your details up to date)
■ there’s limited activity on your account (such as no contributions) for 16 months, you don’t meet a
condition of release, your account doesn’t have insurance and its balance is less than $6,000.

You should read the important information about how super works before making a decision.
Go to cbussuper.com.au/superworks. The material relating to how super works may change
between the time when you read this statement and the day when you acquire the product.

Set up Cbus Corporate Super | 3

3. Benefits of investing with Cbus Super

Low fees and no entry fees

We keep costs low so more of your super stays where
it belongs: in your account.

Strong long-term investment performance

8.89 Our Growth (MySuper) option has returned an average of
8.89% each year for the past 39 years.*

Insurance for your industry

We offer tailored insurance options to suit your job, including high-risk
work that other super funds may not cover.

Financial advice that’s in your interests

Our Advice Services team can help you understand your options
and provide a personal recommendation – at no extra cost.

We invest in your industries

By investing in sustainable, long-term projects like Cbus Property†
developments and major renewable energy projects like Star of
the South, we actively invest in the industries that are important
to our members.

LOGIN
Digital services make it easy
Manage your super account your way. Search your app store for
Cbus Super or visit cbussuper.com.au/register to register online.

Regular, personalised updates

You’ll get two updates a year, along with personalised account videos
and retirement income estimates for most members.

*
From inception in 1984 to 30 June 2023. The average annual return is based on the crediting rate, which is
returns minus investment fees, taxes and until 31 January 2020, the percentage-based administration fee.
Excludes administration fees and insurance costs. Past performance is not a reliable indicator of future
performance. See page 6 for details.
†
Cbus Property Pty Ltd is a wholly-owned entity of Cbus Super and is responsible for the development and
management of a portfolio of Cbus Super’s property investments.

4 | Set up Cbus Corporate Super

4. Risks of super
All investing has risk. Understanding risk helps you to make better
investment decisions.
We invest your super in different asset classes and each has a different level of risk and expected return.
Shares and some alternative investments can have high returns, but also more risk of a negative return
or loss in the short term. Cash and fixed interest investments generally have more stable but lower
long-term returns.
When investing in super (including Cbus Super) it’s important to consider:
■ the value of your investment can change as returns aren’t guaranteed and you may lose some of
your money
■ the level of investment returns can vary – future returns can be different to past returns
■ contributions and investment returns may not grow your super enough to fully support you when
you retire and your savings might not last long enough, and
■ super laws may change in the future.
So, when you come to choose investment options, it’s important to think about:
■ how old you are now and how long you plan to invest – to retirement or longer
■ other investments you have outside super, such as savings, property or shares, and
■ how much risk you want to take to achieve the return you want.

5. How we invest your money

You can choose from a range of investment options:
Pre-mixed options: DIY options: Cbus Self Managed
■ High Growth ■ Overseas Shares For even more control, you
■ Growth Plus ■ Australian Shares can choose from a range of
■ Growth (MySuper)* ■ Property Australian shares, exchange
■ Indexed Diversified ■ Diversified Fixed traded funds, term deposits,
Interest property and infrastructure
■ Conservative Growth
options (conditions and extra
■ Conservative ■ Cash*
costs apply).

We consider environmental, social and governance (ESG) factors when investing across our whole
portfolio. Visit cbussuper.com.au/esg for more information on responsible investment.

Growth (MySuper) is designed to suit most members

We’ll invest your super in Growth (MySuper)* until you make a choice. This option suits people
who can live with occasional negative returns but want long-term returns to be higher than inflation.
It invests in a range of assets including shares, property, infrastructure and cash.

*
Until 14 February 2022, Growth (MySuper) was called Growth (Cbus MySuper) and Cash was called Cash Savings.
Set up Cbus Corporate Super | 5
 LOW HIGH

GrowthGrowth
(MySuper)
Risk/return

LOW HIGH

Risk level/(band)* Medium to High (5)

Conservative Growth
Objectives Deliver a return of inflation plus:
3.25% a year over rolling 10-year periods

Likelihood of
3 to 4 in every 20 years
negative returns LOW HIGH

Minimum timeframe Invested for at least 7 years

Conservative
Strategic Asset Allocation % Range %
Allocation Australian shares 22.0 5.0 – 38.0
and range Global shares 25.5 7.0 – 39.0
Emerging market shares 2.5 0.0 – 16.5
PrivateLOWequity HIGH
3.0 0.0 – 12.0
Alternative growth 3.0 0.0 – 13.0
Infrastructure 13.0 0.0 – 28.0
Property† Cash Saving 12.0 0.0 – 28.0
Global credit 7.0 0.0 – 17.0
Australian fixed interest 4.0 0.0 – 23.0
International fixed interest 4.0 0.0 – 23.0
Cash 4.0 1.0 – 18.0
LOW HIGH

Average annual Over 10 years: 8.27%

return (based on Over 39 years: 8.89%
annual crediting rates Visit cbussuper.com.au/investments for the latest returns.
to 30 June 2023) Past performance is not a reliable indicator of future performance.
*
This is an industry-wide standard risk measure, which is based on the number of expected negative annual
returns over a 20-year period.
†
Made up of 85% unlisted property and 15% global real estate investment trusts (GREITs).
Investment options may change as our investment strategy changes. We’ll contact you or post
updates at cbussuper.com.au about any significant changes.

You can change investments through your online account or by completing an Investment
choice form. The right investment choice for you will depend on its likely return, the amount
of risk you’re happy to take to achieve it, and how long until you retire.

You should read the important information about our investment options and how we invest
your money before making a decision. Go to cbussuper.com.au/pds to read the Investment
handbook and the Cbus Self Managed investment guide. The material relating to our
investment options may change between the time when you read this statement and the
day when you acquire the product. Always visit our website for the latest information.

6 | Set up Cbus Corporate Super

6. Fees and costs
Did you know? Small differences in both investment performance and fees and costs can have a
substantial impact on your long-term returns. For example, total annual fees and costs of 2% of your
account balance rather than 1% could reduce your final return by up to 20% over a 30-year period (for
example, reduce it from $100,000 to $80,000).
You should consider whether features such as superior investment performance or the provision of
better member services justify higher fees and costs. You or your employer, as applicable, may be able
to negotiate to pay lower fees.* Ask the fund or your financial adviser.
To find out more: If you would like to find out more, or see the impact of fees based on your own
circumstances, the Australian Securities and Investments Commission (ASIC) Moneysmart website
(moneysmart.gov.au) has a superannuation calculator to help you check out different fee options.
* This text is legally required, but as Cbus Super only charges fees to cover costs and not to make a profit our fees
can’t be negotiated.
Fees and costs summary
This table shows fees and costs for the Growth (MySuper) option and can be used to compare costs
between different superannuation products. Fees may be deducted directly from your account or from
investment returns.

Type of fee or cost Amount How and when paid

Ongoing annual fees and costs†
Administration fees $1.50 a week ($78 a year) Deducted from your account at the end
and costs plus of each month or when you close your
0.19% of your account account.
balance up to $1,000 a year
plus Deducted from fund reserves (not from
0.03% a year§ your account).
Investment fees 0.42% a year§ Deducted from returns before the crediting
and costs‡ ($4.20 for each $1,000) rate is applied to your account.
Transaction costs 0.08% a year§ Deducted from returns before the crediting
rate is applied to your account.
Member activity related fees and costs
Buy-sell spread Nil Not applicable
Switching fee Nil Not applicable
Other fees and costs Other fees and costs may apply, such as insurance premiums. See the
Additional explanation of fees and costs fact sheet at cbussuper.com.au/fees.
†
If your account balance for a product offered by Cbus Super is less than $6,000 at the end of the Cbus Super
income year, certain fees and costs charged to you in relation to administration and investment are capped at 3%
of the account balance. Any amount charged in excess of that cap must be refunded.
‡
Investment fees and costs include an amount of 0.04% for performance fees based on the average
performance fees for the five years to 30 June 2023.
§
These figures are estimates based on costs for the previous financial year and may change. The calculation
basis for these amounts is set out in Investment fees and costs fact sheet at cbussuper.com.au/fees.
Set up Cbus Corporate Super | 7
Example of annual fees and costs for Growth (MySuper)
This table gives an example of how the ongoing annual fees and costs for the Growth (MySuper)
option can affect your superannuation investment over a one-year period. You should use this table to
compare this superannuation product with other superannuation products.

Example – Growth (MySuper) Balance of $50,000

Administration $1.50 a week ($78 a year) For every $50,000 you have in Growth (MySuper)
fees and costs plus 0.19% of your you will be charged or have deducted from your
account balance a year investment $110* in administration fees and costs,
plus 0.03% a year paid plus $78 (regardless of your balance).
from fund reserves
(not your account)
PLUS 0.42% And you will be charged or have deducted from
Investment fees your investment $210 in investment fees and costs.
and costs
PLUS 0.08% And you will be charged or have deducted from
Transaction costs your investment $40 in transaction costs.
EQUALS If your balance was $50,000 at the beginning of the
Cost of product year, then for that year you will be charged fees and
costs of $438† for the Growth (MySuper) option.
*
This includes $15 paid from fund reserves and not your account. † Additional fees may apply.
We may change fees and costs at any time. You’ll get at least 30 days’ notice before any increase to
administration fees or insurance premiums.

Financial advice fees may be able to be deducted from your Cbus Super account for personal
financial advice provided in relation to your account(s) by a financial planner who is part of
our Cbus Super and FAAA Member Referral Program, or if your chosen financial planner is
registered with us for fee deductions. Fees will only be deducted with your written consent.

You should read the important information about fees and costs before making a decision.
Go to cbussuper.com.au/fees. The information on fees and costs may change between the
time when you read this statement and the day when you acquire the product.

7. How super is taxed

Super is a more tax-effective way for most people to save for retirement.
Although you don’t have to, you should give us your tax file number or you’ll pay extra tax and
won’t be able to make after-tax contributions. We’re authorised to collect, use and disclose your
TFN under the Superannuation Industry (Supervision) Act 1993. Your TFN may be shared with
another super provider when your benefits are being transferred unless you request in writing
not to. See cbussuper.com.au/tfn for details.

Tax on money put in

Tax on money put into super is worked out on the amount and if it’s paid from your before or after-tax
income (and also sometimes, your total income). Tax is usually deducted from your account after the
money has gone in. We then pay the tax to the Australian Taxation Office.
8 | Set up Cbus Corporate Super
 Limits on how much you can put into super (for the 2023/24 financial year)
Before-tax (concessional) 15%* tax on amounts up to $27,500 a year. Amounts above this limit
such as employer and salary are added to your assessable income and taxed at your marginal rate.
sacrifice contributions If the excess concessional contributions are not withdrawn, they will
count toward your non-concessional contribution cap.
If your total super balance across all accounts is under $500,000
at the end of the previous financial year, you can use any unused
concessional contribution cap amounts on a rolling five-year basis.
After-tax No tax on amounts up to $110,000 a year.
(non-concessional) If you’re under age 75, you may be able to contribute $330,000 in
such as personal or voluntary any three-year period. Contributions more than this limit may be
contributions where no tax taxed at 47% if not withdrawn (being 45% marginal tax rate plus 2%
deduction has been claimed Medicare levy).
Your total super balance may affect these after-tax limits.
*
An additional 15% tax is levied on before-tax contributions that – when combined with your income – are
greater than $250,000.
You can apply to claim a tax deduction for after-tax contributions you make. Contributions you claim as a
tax deduction are treated as concessional contributions, so they’re taxed at 15% and contribute to your
before-tax (concessional) contributions cap. Think about what this tax treatment could mean for you.
Before you apply to claim the tax deduction you need to make sure you meet the eligibility criteria
and notify us of your intent to claim it using our Claim a tax deduction for personal contributions to super
form. From age 67 you’ll also need to meet the work test (or exemption criteria) and your ability to
contribute stops around a month after your 75th birthday. For details read the How super is taxed fact
sheet at cbussuper.com.au/tax.

There are limits on how much you can contribute to your super (contribution caps). If you
contribute more than these limits you may pay extra tax.

Tax on lump sum withdrawals

Age 60 or over: withdrawals are generally tax free. Under age 60: tax is deducted from withdrawals
before we pay them to you as follows.

Component Tax if you’re under 60

Tax free No tax payable.
Taxable Less than preservation age: taxed at a maximum of 20%.†
Between preservation age and 59: the first $235,000 ‡ is generally
tax free and the balance is taxed at a maximum of 15%.†
†
Plus Medicare levy. ‡
Low rate cap for 2023/24.

Tax on investment earnings

Investment earnings on your super are generally taxed at up to 15% (the actual rate may be lower due
to certain tax credits and rebates available). This tax is deducted from the crediting rate that applies
to your super before the earnings are added to your account.
You should read the important information about how super is taxed before making a decision.
Go to cbussuper.com.au/tax or ato.gov.au. The material relating to how super is taxed may change
between the time when you read this statement and the day when you acquire the product.

Set up Cbus Corporate Super | 9

8. Insurance in your super
Cover you can count on
At Cbus Super, our size means we can get a better deal for our members, with insurance built for your
industry and premiums paid from your super, not your salary. Most members get cover automatically,
with no health checks and no hassle. Plus you can change your cover to suit your needs.
Your employer selects your automatic cover
Your employer selects the type and amount of cover you can get through Cbus Corporate Super.
If you’re eligible, you can be covered for:

Your life Your income

Death Terminal Total and permanent Income
illness disablement (TPD) protection (IP)

Automatic Automatic Automatic Automatic

if you qualify if you qualify if you qualify if you qualify
Lump sum Lump sum Lump sum Monthly payments
to your if you have death if you’re if you
dependants cover and are permanently temporarily
if you die diagnosed as disabled by injury or can’t work†
terminally ill* illness and unlikely
to ever work again†

*
With a life expectancy of 24 months or less from when you were diagnosed. † Conditions apply.
The cover available will depend on your age, your occupation category (see opposite) and in many cases
your salary. Your automatic cover won’t start until your account balance reaches $6,000 (and you’ve
turned 25), unless you tell us you want cover earlier. Select this option when you complete the Set up
your Cbus Corporate Super account form or anytime at cbussuper.com.au/want-cover.
If you elect to receive cover or your account balance reaches $6,000 (and you’ve turned 25), if eligible, you’ll
be covered under the insurance benefit design your employer has chosen from the following options:

Death and TPD How much automatic IP design How much automatic
design options cover could you get? options cover could you get?
Multiple of Percentage 85% of your salary (includes a
1 to 7 x your salary*
your salary of your salary super contribution of up to 10%)
Percentage of 5%, 10%, 15%, 20% or 25% 30 or 90 days (how long you
your salary x of your salary x future years Waiting need to be unable to work
future years of service to age 65† period before you’re eligible for IP
of service (up to 7 x your salary)* payments if you make a claim)
2 or 5 years‡ (how long you can
Payment
Fixed cover $100,000 to $1,000,000 receive IP payments for if you
period
make a claim)
*
Rounded up to the next $1,000. † Calculated by full years and months till you turn 65.
‡
If you’re in the light manual occupation category any automatic IP cover you receive will have a 2-year payment
period, but you can apply to change it to 5 years – learn how to change your cover on page 14.

10 | Set up Cbus Corporate Super

When automatic cover starts
If you elect to receive automatic cover (regardless of your account balance or age) or your account
balance reaches $6,000 (and you’ve turned 25), your cover will start when an on-time compulsory super
payment is received into your Corporate Super account. Your cover may be limited depending on when
you tell us you want it or when the payment is received. We’ll write to you to confirm when your cover
starts. See the Corporate Super insurance guide for further information.
Details of your employer’s chosen insurance design will be in the welcome pack we send you once
you’ve joined. If you’re not sure, just give us a call.
Limits on your automatic cover
Limits apply to how much cover you can get automatically and depend on your employer. If your cover is
capped at the limit, you can apply for more – see page 14 for details. See your Corporate Super insurance
fact sheet for your automatic cover limits.
Your cover may change in line with your salary
If your employer tells us your salary has changed, any salary-based cover you have can change too, up to
certain limits. For details, see your Corporate Super insurance fact sheet. Any fixed cover you have won’t
be affected by changes to your salary.
Cover for the work you do
Your occupation category affects how much you pay for your cover, so it’s important you’re in the right
category for the work you do. When you join, you’ll be given the occupation category your employer
selected for you, or the light manual category, which is the default category, if your employer didn’t
make a choice. The cost of cover in the light manual category is higher than for other categories.
If you’re eligible for a different occupation category, you can change it when you join, log into your
account or complete an Application to change occupation category – Death and TPD form, available at
cbussuper.com.au/forms.
We’ll check your occupation category if you make a claim, and any insurance payment may be reduced if you
weren’t eligible for the category you selected. So contact us if you’re not sure which category applies to you.

Professional Non-manual Light manual

■ You do only administrative, ■ You do only administrative, ■ Less than 20% of your
managerial or professional managerial or professional job involves manual or
work (and no manual work) work (and no manual work) physical work
■ At least 80% of your work is in ■ At least 80% of your work ■ You don’t work in an
an office is in an office, and underground mine,
■ Your annual taxable income ■ You don’t qualify for the underwater, offshore
is more than $100,000 professional category. or in an aeroplane or
(pro rated if part time), and helicopter, and
■ You’re a senior manager or ■ You don’t qualify for
executive, or have a university the non-manual or
degree or higher qualification. professional categories.
Typical jobs
Typical jobs Bookkeeper, Typical jobs
Accountant, Architect, Quantity surveyor, Site supervisor,
HR Manager, Lawyer Payroll administrator Project manager

Some words in this section (such as compulsory super, normal job and senior manager or
executive) have specific meanings that you need to understand. Please read the Corporate
Super insurance guide to learn more.

Set up Cbus Corporate Super | 11

Can you get cover?
You must meet some basic conditions to be eligible for cover through Cbus Corporate Super. You’ll
generally qualify for automatic cover, subject to the following:

If… Then…
■ You can get automatic cover if you tell us
you want cover (regardless of your account
Full balance or age), or when your account
cover None of the below apply to you balance reaches $6,000 (and you’ve turned 25)
■ You’ll need to be able to do your normal job
without being restricted by injury or illness for
ten days in a row
■ You won’t get any automatic cover (unless
you were a Cbus Super member with
Some insurance cover before joining Corporate
cover Super – see the next page)
You’re between 65 and 69 ■ You can apply for death and TPD cover, but
you can’t get any IP cover
■ Any cover you receive will be fixed and reduce
by 20% a year
You’re off work or on restricted duties ■ You can get automatic cover, but your TPD
because you’re sick or injured when and IP cover will be only for injuries or illnesses
cover starts that first occur after your cover starts
■ You’ll get full cover when you can do your
normal job again without restriction for ten
days in a row
You’re working less than 15 hours a week ■ You can get automatic death and TPD cover,
You’re not an Australian resident but no IP cover
You tell us you want automatic cover more
than six months from when you joined
your employer or first became eligible ■ For 24 months, you’ll only be covered for
for Corporate Super with your employer injuries or illnesses that first occur after your
(whichever is later) cover starts
You don’t receive an on-time compulsory ■ You’ll get full cover after 24 months, if you can
super payment within six months from do your normal job without being restricted
when your account balance reached by injury or illness for ten days in a row
$6,000 (and you turned 25), and you didn’t
tell us you wanted automatic cover earlier
You don’t qualify for one of the occupation ■ You can't get any cover through Corporate
categories on page 11 Super, but you may be eligible for cover
No through Industry Super
cover You’re under 15 or have reached age 70
You’ve received a total and permanent
disablement or terminal illness payment
from a super fund or insurance policy, or ■ Unfortunately, you can’t get any insurance
you’re currently applying for or entitled to one cover through Cbus Super
You have a terminal illness with a life
expectancy of 24 months or less from
when it was diagnosed

12 | Set up Cbus Corporate Super

If you’re already a Cbus Super member
If you’re a Cbus Industry, Sole Trader or Personal Super member, you’ll automatically move to a
Corporate Super account when your employer tells us you’re now eligible for one.
If you elected to receive automatic insurance cover under your previous membership, your election will
be transferred to your Corporate Super membership.
If you haven’t made an election, you generally won’t receive automatic cover until your account balance
reaches $6,000 (and you’ve turned 25), unless you tell us you want it. Simply make your election on the
Set up your Cbus Corporate Super account form or anytime at cbussuper.com.au/want-cover.
If you had insurance above the automatic cover you’re eligible for under your Corporate Super
insurance design, you’ll also receive fixed cover equal to any additional death or TPD cover you had
under your previous membership (rounded up to the next $1,000).
You’ll also get IP cover automatically if it’s part of your insurance design and you qualify for it. If you had
IP cover with a 30-day waiting period or a 5-year payment period under your previous membership,
you’ll keep the same waiting period or payment period under Corporate Super. Otherwise you’ll have
the waiting period and payment period that your employer selected for your insurance design.
If you’d previously cancelled your insurance, you won’t automatically get cover when you join
Corporate Super, but you can apply for it. Find out how to change your cover on page 14.

How much does it cost?

How much you’ll pay for your cover depends on your age, occupation category, your employer’s risk
rating, and what type of cover you have.
The Corporate Super insurance fact sheet in your welcome pack explains how your cover is worked out,
including limits that may apply.
Check the Corporate Super insurance guide to work out the cost of your cover, or you can always check
by logging into your account at cbussuper.com.au/login or calling us. The insurance guide will also
show you how much a different amount of cover would cost and how the cost of your cover can change
as you get older or if your occupation category, salary or employer risk rating changes.

Insurance needs calculator

Work out how much you might need to protect you and your family using our
Insurance needs calculator available at cbussuper.com.au/calculators.

Watch our Know your insurance explainer video at cbussuper.com.au/knowhow to learn more.

Set up Cbus Corporate Super | 13

Change your cover to suit you
If automatic cover isn’t right for you, it’s easy to tailor it to your needs. You can:
■ increase or reduce your death or TPD cover
■ apply to change your occupation category
■ increase your IP cover up to 85% of your salary (if your cover was capped at less than this), or choose
a different waiting period or payment period, or
■ apply for IP cover if you’re eligible for it but it’s not part of your employer’s insurance design.
Any extra death or TPD cover you receive above the maximum for your insurance design will be fixed cover.
If you reduce your cover, any salary-based death and TPD cover you have will also become fixed cover.
If you don’t want cover or already have insurance elsewhere, you can cancel some or all of your cover
whenever you like. But if you change your mind and want cover later, you’ll need to apply for it and
provide information about your health for our insurer to consider. To simply cancel your cover, you can
call us on 1300 361 784.

How to change your cover

To change your occupation category, increase, reduce or cancel your cover, complete
a Change my insurance: Corporate Super form. You can also apply to transfer your death
and TPD cover from another super fund or insurance policy – complete an Application to
transfer existing insurance cover form.
Find these forms at cbussuper.com.au/forms or call us for copies.

What happens if you change jobs?

If you stop working for your Corporate Super employer, you’ll automatically move to Cbus Industry
Super and your insurance will change. We’ll write to you if this happens to explain the changes to your
membership and insurance. See the Corporate Super insurance guide for details or call us.

Keep your cover, even when life changes

Your death and TPD insurance cover will stop if your account doesn’t receive a contribution or a roll in
for 16 months (i.e. your account becomes inactive) and you haven’t elected to keep your cover.
We can keep you covered – even if you’re on extended unpaid leave – if you tell us you want to keep your
cover when you complete the enclosed Set up your Cbus Corporate Super account form.
You can change your mind and cancel or reduce your cover at any time. Your cover could also stop for other
reasons too, such as when you reach a certain age or don’t have enough money in your account to pay for
it. Different rules apply to any IP cover you have – see the Corporate Super insurance guide for details.

The cost of cover will come out of your account unless you cancel it (or it stops for another
reason). When deciding what cover is right for you – now and in the future – think about the
benefits of being covered and the impact of insurance costs on your retirement savings.

You should read the important information about insurance in your super before making
a decision, including the amount and costs of cover, when cover stops and starts,
changing your cover, making a claim, and any other terms and conditions of Cbus Super’s
insurance policies. For more information, read the Corporate Super insurance guide at
cbussuper.com.au/cs-cover and the Corporate Super insurance fact sheet in your welcome
pack, or call us for copies. The material relating to insurance in your super may change
between the time when you read this statement and the day when you acquire the product.

14 | Set up Cbus Corporate Super

 9. How to set up your account
Setting up your account will only take a couple of minutes. Just fill in the attached forms
and return them to us.

Complete the attached forms

■ Set up your Cbus Corporate Super account
■ Combine your super into Cbus Super (optional)

Need help? Call us on 1300 361 784 8.30am to 6pm AEST/AEDT, Monday to Friday.

Contact us if you’re not satisfied

We strive to provide great service for every member. If you’re dissatisfied with any aspect of the Fund:
■ Submit your complaint online at cbussuper.com.au/complaint.
■ Call 1300 361 784 (8am to 8pm AEST/AEDT, Monday to Friday) within Australia.
Closed on national public holidays.
■ Write to the Complaints Officer, Cbus Super, PO Box 24231, Melbourne 3001.
If you’re not satisfied with the outcome of our investigation, your complaint may be considered by the
Australian Financial Complaints Authority (AFCA). AFCA is an independent dispute resolution body set
up by the Federal Government to provide a free, impartial and binding dispute resolution service for
financial services.
■ Write to GPO Box 3, Melbourne VIC 3001 ■ Email [email protected]
■ Call 1800 931 678 ■ Website afca.org.au

To learn more about how to make a complaint, read the fact sheet available at
cbussuper.com.au/complaint.

Privacy
We collect, store and disclose the personal information you provide only to administer your account and
in accordance with our Privacy Policy. Except where required by law, your personal information will not be
used for any other purpose. For more details, please refer to our Privacy Policy and Personal Information
Collection Statement at cbussuper.com.au/privacy or call 1300 361 784 for a copy.

Set up Cbus Corporate Super | 15

Set up your account
Get set up in just a few minutes

1. Complete this form to set up your super account the way

you want
Send this form

to Cbus Super

Set up your ¡ Apply for death and disability insurance to protect you at home and on the job.
Cbus Corporate ¡ Provide your tax file number so you don’t pay more tax than you need to.
Super account ¡ Choose beneficiaries and communication options.

2. Use your member number to set up your online account or the

Cbus Super app
Get started at

cbussuper.com.au/login
or cbussuper.com.au/app
Register for ¡ Manage everything to do with your super anytime.
your online ¡ Check your account balance, add to your super, update your details or
change investment options.
account

3. Complete this form to combine your super into Cbus Super and
find any lost super
Send this form to

Cbus Super, along with
any other documents
Combine your ¡ Know the details of your other funds? Combine up to three accounts on this required
super into form. Get more forms at cbussuper.com.au/forms or call us.
¡ Want to search for lost super? You can verify your identification
Cbus Super electronically at Step 3 and avoid certifying documents.

Expert help and support

Local Cbus Super Coordinators are here to give face-to-face support
when you and your worksite need it. Get in contact today if you need
help, or to organise a workplace information session. Or you can visit
your nearest Cbus Super front counter for assistance with your super.
Go to cbussuper.com.au/contact for details.

1300 361 784 [email protected] Cbus Super Visit us in person in Adelaide, Brisbane,
8am to 8pm (AEST/AEDT) cbussuper.com.au Locked Bag 5056 Melbourne, Perth and Sydney.
Monday to Friday Log in to chat to us online PARRAMATTA NSW 2124 Details: cbussuper.com.au/contact

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building UnionsSuperannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super).
This page has been left blank intentionally.
 Set up your Cbus Corporate Super account
This form is part of the Cbus Corporate Super Product Disclosure Statement (PDS) dated REQUIRED
26 August 2023. Please read the PDS before you complete this form.
Please use black or blue pen and CAPITAL letters. Use an X in boxes where required.

Complete this form after your employer has opened your Corporate Super account and you’ve received your welcome pack from us.

Step 1: Provide your personal details

Cbus Super member number (see your welcome letter)

Title Date of birth Gender

Mr Mrs Miss Ms Other D D / M M / Y Y Y Y X Male X Female
Given name(s)

Family name

Home phone Mobile

( )
Email address (providing your email means you give us permission to use it)

Residential address (compulsory)

Suburb/town State Postcode

Postal address (complete if different from your residential address)

Suburb/town State Postcode

Occupation

Employer name

Cbus Super employer number (if known) Phone Date you started with this employer

D D / M M / Y Y Y Y

Step 2: Consider providing your tax file number

Providing your tax file number (TFN) is voluntary but can result in paying less tax. It also allows
you to top up your super with your take-home pay. (See section 7 of the PDS for details.) My TFN is:

Step 3: Choose your occupation category

Choose the occupation category below that describes your current work. You need to fit into one of these categories to be eligible for Corporate Super
insurance. We’ll check your occupation category if you make a claim, so contact us if you’re not sure which category applies to you.
Professional Non-manual Light manual
¡ You do only administrative, managerial or ¡ You do only administrative, managerial or ¡ Less than 20% of your job involves
professional work (and no manual work) professional work (and no manual work) manual or physical work
¡ At least 80% of your work is in an office ¡ At least 80% of your work is in an office, ¡ You don’t work in an underground mine,
¡ Your annual taxable income is more than and underwater, offshore or in an aeroplane or
$100,000 (pro rated if part time), and ¡ You don’t qualify for the professional helicopter, and
¡ You’re a senior manager or executive, category. ¡ You don’t qualify for the non-manual or
or have a university degree or higher professional categories.
qualification.

Some words (such as senior manager or executive) have specific meanings, so you should read your insurance guide to understand them.

Step 4: Elect to receive automatic cover

If you want access to automatic insurance cover – regardless of your account balance or age – you need to let us know.
I want automatic insurance cover now

If you don’t tick this box, you won’t be able to access automatic cover until your account balance reaches $6,000 (and you’ve turned 25).
Other conditions apply.

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super). Page 1 of 2 1454.2 08-23 ISS9
 Step 5: Check if you can get automatic insurance cover
Answer the following questions to see if you’re eligible for automatic cover.
Have you ever received a payment for total and permanent disablement
(TPD) or terminal illness from any super fund or insurance policy, or are you Yes
 You can’t get automatic cover. Go to step 7.
currently applying for or entitled to one? No


Do you have a terminal illness with a life expectancy of 24 months or less from Yes
 You can’t get automatic cover. Go to step 7.
when it was diagnosed? No

Answer the following questions to see what sort of cover you may be able to get.
Are you off work or on restricted duties because you’re sick or injured? Yes
 You may get death cover and new events TPD and IP cover
(See page 12 of this PDS for details of cover in this situation.) No
 You may get full automatic cover

Are you working at least 15 hours a week? Yes

 You may get full automatic cover
No
 You may get death and TPD cover but no IP cover
Are you an Australian resident? A resident is an Australian citizen or
permanent resident (under section 30 of the Migration Act 1958), or Yes
  ou may get full automatic cover
Y
someone living in Australia on an approved working visa. No
 You may get death and TPD cover but no IP cover

Step 6: Elect to keep your cover, even when life changes

If your account doesn’t receive a contribution or a roll in for 16 months, any death and TPD cover – including any future cover – will stop unless you’ve
elected to keep it. You can change your mind and cancel cover at any time – see page 14.
I want to keep my insurance cover even if my account becomes inactive.
Please consider what insurance is right for your circumstances and the impact insurance premiums can have on your account balance.

Step 7: Choose who gets your super if you die

Complete this section to make a non-binding beneficiary nomination. The minimum you can allocate to a single beneficiary is 1%. Note, the Trustee still
has the discretion to decide who receives the benefit. See page 17 of the Corporate Super insurance guide.
Legal Personal Representative . %
Dependants: Given name and initial(s) (eg Sam R) Family name Relationship to you (spouse, child, etc)
. %
. %
Attach another page if you have more than two beneficiaries. You can change your nominations at any time online or by calling us. Must add up to 1 0 0 . 0 0 %

Step 8: How should we communicate with you?

You can change your preferences at any time via your online account.
Do you want to receive your statements online only? Yes No
Do you want to receive information about Cbus Super products and services by email or SMS? Yes No
Do you want to receive information from Cbus Super about special offers, discounts and other marketing materials outside Yes No
of your Cbus Super membership?
Do you want to receive The New Daily (TND)? TND is a free online newspaper providing general and financial content.
To get started, your name and email address will be provided to TND. Yes No

Step 9: Sign and date this form

I am eligible for Cbus Corporate Super membership and agree to the terms and conditions in the trust deed and I confirm that:
¡ I’ve read and understood the Cbus Corporate Super PDS and additional ¡ I’ve considered my own personal circumstances, needs and objectives
information incorporated by reference before making the decision to join. (with or without the assistance of a financial planner) in deciding to invest in
¡ If I return this form by email, I acknowledge and declare that I have read Cbus Super products or make any other choice set out in this form.
and accepted the terms and conditions of the Set up your Cbus Corporate ¡ I’ve answered all questions truthfully and correctly to the best of my
Super account form and I acknowledge that if I have not applied my physical knowledge. I’m aware my insurance benefit may be affected if I claim and
or electronic signature: my responses are later shown to be false or misleading. I acknowledge that
- If Cbus Super is satisfied that this is a genuine application, Cbus Super the insurer has the right to verify my answers.
will process the request, including making a payment from my account if I ¡ I acknowledge that, if I’m eligible, automatic insurance cover will only start
have requested one. when an on-time compulsory super payment is received into my Corporate
- In some cases, Cbus Super may request more information to be satisfied Super account and will stop for the reasons set out in the Corporate Super
this is a genuine application. insurance guide. If I’ve applied to change my occupation category, this won’t
¡ I’ve read the Trustee’s Privacy Statement as contained in the Privacy take effect until the later of:
Policy and Personal Information Collection Statement and I consent to the – the first day of the period that the compulsory super payment relates to, or
collection, use and disclosure of my personal and sensitive information by – the day Cbus Super receives my application to set up my account or
the Trustee in the manner described in the Privacy Statement. change my insurance.
¡ I understand Cbus Super may send product disclosure statements, annual ¡ I understand that I won’t receive cover automatically on joining, unless
statements, significant event notices and other regulatory items to me I make an election. If I don’t make an election, I understand that I won’t
digitally (such as a link in an email or making it available through my online receive automatic cover until my account reaches $6,000 and I turn 25.
account) using the email address provided on this form. I can opt out of If I make an election to receive cover more than six months after joining
receiving these materials electronically through my online account or by Cbus Super, I understand that I may receive limited cover.
contacting Cbus Super. ¡ My election to keep insurance cover will apply to the death and TPD cover
¡ I’m entitled to one Cbus Super account (except for Super Income Stream) I have and will continue to remain in place even if my level or type of cover
and one insured benefit, and I accept duplicate accounts may be closed. changes in the future (unless it stops for another reason).
Sign here: Date
D D / M M / 2 0 Y Y

Want to choose investments? Once you receive Send this form to: Cbus Super, Got a query? Call us on:
your member number, register your account online to choose Locked Bag 5056 PARRAMATTA NSW 2124 or via 1300 361 784 8am to 8pm
investment options or you can call us on 1300 361 784. email – visit cbussuper.com.au/cs/id to learn how. (AEST/AEDT) Monday to Friday
United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super). Page 2 of 2 1454.2 08-23 ISS9
 Combine your super OPTIONAL

into Cbus Super

It's easier than ever to sort out your super
If you’ve had more than one job, you could have more than one super account. And this means
you’re probably paying more fees than you need to.

Why combine your super into Cbus Super?

Save on fees. You pay fees for every super account you own. We keep costs low so more of your super stays
where it belongs: in your super account.

Insurance for your industry. With more than one super fund, you could be paying for more than one
insurance policy. And other super funds may not cover high-risk working conditions such as working from heights,
underground or in confined spaces.

8.89 Benefit from strong long-term returns. Our Growth (My Super) investment option has delivered an
average of 8.89% each year for the past 39 years.*

Keep track of your super. One super account is easier to manage.

We invest in your industries. Through long-term projects like Cbus Property developments† we create
jobs for our members.

It’s easier than ever before

Transferring your super is easy and we can also help you find any lost super.
Two ways to combine your super
1. Combine online OR 2. Complete the attached form
The easiest way to combine your super is online. Simply Send the form back to us at
log into your online account at cbussuper.com.au/login Cbus Super, Locked Bag 5056, Parramatta NSW 2124
and go to Consolidate your super. Or you can email your form to us.
Visit cbussuper.com.au/cs/id to learn how.

If you need help finding your super or completing the form, call us on 1300 361 784 and we can help you over the phone. You can also visit your
nearest Cbus Super front counter or arrange for a Cbus Super Coordinator to meet with you. Go to cbussuper.com.au/contact for details.

Watch our How to consolidate your super explainer video at cbussuper.com.au/knowhow to learn more.

*
From inception in 1984 to 30 June 2023. The average annual return is based on the crediting rate, which is returns minus investment fees, taxes and until 31 January 2020,
the percentage-based administration fee. Excludes administration fees and insurance costs. Past performance is not a reliable indicator of future performance.
†
Cbus Property Pty Ltd is a wholly-owned entity of Cbus Super and is responsible for the development and management of a portfolio of Cbus Super’s property
investments.

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super).
Use of ‘us’, ‘we’, ‘our’ or ‘the Trustee’ is a reference to United Super Pty Ltd. Page 1 of 4 1500.0 08-23 ISS7
Important information about combining your super
Things to consider when combining your super This form won’t change where your employer
Combining your super can save you money and hassle, but there are pays your super into
a few important things to check first: Using this form won’t change the fund your employer pays your super
■ Fees and costs – Will the fund you’re transferring from charge any contributions into. To do that, speak to your employer and provide
fees? How do fees and insurance premiums compare? This can them with a completed I want my super paid into Cbus Super form,
make a big difference to how much you have when you retire. available at cbussuper.com.au/forms.
■ Insurance cover – Will you lose any insurance cover or other You need to provide proof of identity to search
benefits? And are you eligible for enough insurance cover and other
benefits with your chosen fund? You may be able to transfer your
for other super
insurance to Cbus Super before you close that account (see below). There's three options for this:
■ Contributions – Can your employer contribute to your chosen fund? 1. Electronic ID (see step 3 in this form)
■ Performance – How have both funds performed over the medium
The easiest way to provide proof of identity is to complete step 3
to longer term? (But remember, past performance is not an of this form. You'll need your Medicare card and drivers licence or
indicator of future performance.) passport so we can verify your identity electronically.
■ Advice – Will access to financial advice about your account be
available as part of your membership? 2. By email (Selfie ID)

Transfer your insurance cover first  mail us a photo of you holding your Australian drivers licence, as
E
well as a clear photo of the back of your drivers licence.
If you’re going to apply to transfer your insurance cover to Cbus Super, OR
don’t submit this form until the insurer accepts your application. Email us a photo of you holding your passport. The selfie needs to
be close up so we can read the writing on your ID.
Visit cbussuper.com.au/insurance for more information about
insurance through Cbus Super. To check if you’re eligible to transfer
3. By post (Certified ID)
cover to Cbus Super, use the Transfer my other insurance form at
cbussuper.com.au/forms. Send certified copies* of these documents to us by post:
1. Australian drivers licence (both sides) OR Australian passport.
Providing your TFN 2. One of the following: birth certificate/extract†, citizenship
You don't have to give us your TFN, but if you don't, you may be taxed certificate or government-issued concession card.
at a higher rate and we won’t be able to search for other super you 3. One of the following:
- phone, electricity, gas or water bill (from past three months)
might have. Learn more at cbussuper.com.au/tfn.
- bank statement that includes your name and address
Under the Superannuation Industry (Supervision) Act 1993, we're (from the past six months)
authorised to collect your TFN, which will only be used for lawful - Australian Taxation Office notice or council rates notice
purposes. These purposes may change in the future as a result of (from the past 12 months).
legislative change. Your TFN may be shared with another super *
Your documents can't be expired, though an Australian passport can be used
provider, when your benefits are being transferred, unless you if it expired within the past two years.
request in writing that your TFN is not shared. †
The name on your birth certificate/extract needs to match the name on your
Cbus Super account.
Combining a self managed super fund Read the Identification requirements brochure at
If you're combining your SMSF super balance into your Cbus Super cbussuper.com.au/cs/id for further info.
account, you will need to provide us with the name, ABN and
Electronic Service Address (ESA) of your SMSF. Has your name changed or are you signing on
If you need an ESA, you can obtain this from: behalf of another person?
■ your SMSF Administrator, tax agent, accountant or bank; or You'll need to provide additional proof of identity. See the
■ a dedicated SMSF messaging provider – go to ato.gov.au for Identification requirements brochure at cbussuper.com.au/cs/id for
registered providers. more information.

This form cannot be used to:

¡ transfer benefits if you don’t know where your super is (but you can use this form to search for it)
¡ change the fund your employer pays your super contributions into
¡ open a super account, or
¡ transfer benefits under certain conditions or circumstances (e.g. if a super agreement under the Family Law Act 1975 is in place).

Cbus Super 1300 361 784 [email protected] Visit us in person in Adelaide, Brisbane,
Locked Bag 5056 8am to 8pm (AEST/AEDT) cbussuper.com.au Melbourne, Perth and Sydney.
PARRAMATTA NSW 2124 Monday to Friday Log in to chat to us online Details: cbussuper.com.au/contact

This information is about Cbus Super. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions.
Read the relevant Product Disclosure Statement (PDS) and Target Market Determination to decide if Cbus Super is right for you. Call 1300 361 784 or visit cbussuper.com.au.
United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super). Page 2 of 4 1500.0 08-23 ISS7
 OPTIONAL

Combine your super into Cbus Super

Please use black or blue pen and write in CAPITAL letters. Use an X in boxes where required.

Return your form to Cbus Super, Locked Bag 5056 Parramatta NSW 2124. Or email it to us – visit cbussuper.com.au/cs/id to learn how.
Step 1: Provide your personal details
Title Date of birth Gender
Mr Mrs Miss Ms Other D D / M M / Y Y Y Y X
Male X Female
Given name(s)

Family name

Home phone Mobile

( )
Email address (providing your email means you give us permission to use it)

Tax file number (if you haven’t already provided it)

You don’t have to give us your tax file number, but there may be tax consequences and
we won’t be able to search for lost super. Visit cbussuper.com.au/tfn for more details.
Residential address

Suburb/town State Postcode

Step 2: How do you want to combine your super?

I want Cbus Super to search for other super I might have Complete step 3
I’m ready to supply the details of my other super accounts Complete step 4

Step 3: Search for other super accounts

Tick the box below to give us permission to search for other super you might have, then make sure you also provide proof of your identity.
Cbus Super may use my TFN for the purpose of a SuperMatch search to find lost super held by the ATO and super with other funds (including any insurance
cover), then notify me of the results. Super held by the ATO will be rolled into my Cbus Super account. Super with other funds will be rolled over upon my request.
This permission will be ongoing and we will store it. You can change this permission at any time once you have set up your online account, or call us on
1300 361 784.

Proving your identity

You need to provide proof of your identity before we can search for your super (so we can make sure the super belongs to you). We will store the status
of your ID check for two years from the date it was successfully completed.
Do you want us to verify you electronically using Yes Provide details in Part 1 and Part 2 (below), then go to step 4.
independent data sources? (We’ll use the details you No Provide certified copies of your identity documents (see page 2). If your documents
provide below and other details on this form.) 
haven't been certified correctly, we’ll use your ID and other information on this form
Part 1: Medicare details to verify you electronically using independent data sources.
Full name including middle name as shown on card

Medicare number Valid to Your reference number on this card is

- - M M / Y Y Y Y
Part 2: Either Australian driver’s licence or Australian passport – you don’t need to supply both
Australian driver’s licence number Australian passport number

Full name including middle name as shown on licence Full name including middle name as shown on passport

Place of birth as shown on your passport

State of issue Expiry date

Country of birth (this isn’t shown on your passport)
D D / M M / Y Y Y Y
Card number (See cbussuper.com.au/IDhelp) Family name at birth (this isn’t shown on your passport)

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super). Page 3 of 4 1500.0 08-23 ISS7
 Step 4: Other super account details
To transfer your super from more funds you can attach another This transfer may close your account and cancel any insurance cover or any other
form or log into your account and combine your super online. entitlements associated with that account (you need to check this with your FROM fund).

Transfer from fund details

FROM (transferring) Fund name

Membership or account number Fund phone number Australian business number (ABN)

Unique Superannuation Identifier (USI) (not required for SMSF transfers) For SMSF transfers only Electronic Service Address (ESA)

Whole or partial Whole balance – Partial – transfer $ , , .

balance rollover this will close your other super account. this amount:
Transfer from fund details (if transferring from a second fund)
FROM (transferring) Fund name

Membership or account number Fund phone number Australian business number (ABN)

Unique Superannuation Identifier (USI) (not required for SMSF transfers) For SMSF transfers only Electronic Service Address (ESA)

Whole or partial Whole balance – Partial – transfer $ , , .

balance rollover this will close your other super account. this amount:
Transfer from fund details (if transferring from a third fund)
FROM (transferring) Fund name

Membership or account number Fund phone number Australian business number (ABN)

Unique Superannuation Identifier (USI) (not required for SMSF transfers) For SMSF transfers only Electronic Service Address (ESA)

Whole or partial Whole balance – Partial – transfer $ , , .

balance rollover this will close your other super account. this amount:

TO (receiving) CBUS SUPER

Fund name
Membership or
account number
Fund phone number 1 3 0 0 3 6 1 7 8 4
Australian business Unique Superannuation
number (ABN) 75 493 363 262 Identifier (USI) CBU0100AU

Step 5: Sign and date this form

By signing this request form I confirm: – I request a transfer of super as described above and authorise the
¡ I have fully read this form and the information completed is true and correct. provider of each fund to action this transfer.
¡ I have read and understand the important information I need to consider ¡ If I return this form by email, I acknowledge and declare that I have read
when transferring my super (see page 2). and accepted the terms and conditions of the Combine your super into
¡ I have considered where my future employer contributions will be paid. Cbus Super form and I acknowledge that if I have not applied my physical or
¡ If I have provided it, I consent to my tax file number being disclosed for the electronic signature:
purposes of consolidating my account. – If Cbus Super is satisfied that this is a genuine application, Cbus Super
¡ If I have provided the details of other super accounts I want to transfer into will process the request, including making a payment from my account if I
Cbus Super: have requested one.
– I’m aware I can ask my other super fund/s for information about any fees – In some cases, Cbus Super may request more information to be satisfied
or charges that may apply, or any other information about the impact this this is a genuine application.
transfer may have on my benefits, and I’ve obtained or do not require any
further information. Privacy
– I understand that the other super fund will no longer have any liability for Refer to our Privacy Policy and Personal Information Collection Statement at
my account once it’s transferred to Cbus Super. cbussuper.com.au/privacy for details about how we collect and disclose
– I understand that any insurance I have with my other super fund will stop personal information or call 1300 361 784 for a copy.
and if I have applied to transfer this insurance cover to Cbus Super, I have
waited for the insurer to accept my application before submitting this form.

Sign here: Date

D D / M M / 2 0 Y Y

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and/or Cbus Super). Page 4 of 4 1500.0 08-23 ISS7
 Specialist Fund of the Year, again and again
3
We are proud to have received the
Chant West Specialist Fund of the Year award
yet again, and for the fourth year running.

Please visit cbussuper.com.au/awards for details of these and our many other awards.

The Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West rating
(assigned January 2023) is limited to General Advice only and has been prepared without considering
your objectives or financial situation, including target markets where applicable. The rating is not a
recommendation to purchase, sell or hold any product and is subject to change at any time without
notice. You should seek independent advice and consider the PDS or offer document before making
any investment decisions. Ratings have been assigned based on third party data. Liability is not
accepted, whether direct or indirect, from use of the rating. Past performance is not an indication of
future performance. Refer to chantwest.com.au for full ratings information and FSG. Chant West
Awards issued 17 May 2023 are solely statements of opinion and not a recommendation in relation
to making any investment decisions. Awards are current for 12 months and subject to change at any
time. Awards for previous years are for historical purposes only. Full details on Chant West Awards at
chantwest.com.au/fund-awards/about-the-awards.

Contact us
1300 361 784 8am to 8pm (AEST/AEDT)
Monday to Friday, closed on national public holidays

[email protected]
cbussuper.com.au
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Cbus Super, Locked Bag 5056

PARRAMATTA NSW 2124

Visit us in person in Adelaide, Brisbane,

Melbourne, Perth and Sydney.
Details: cbussuper.com.au/contact