Beneficiaries
When you pass away, your super can be paid directly to certain eligible dependents or your legal personal representative. You can nominate who it will be paid to by completing a binding, non-binding or reversionary nomination. You can view the Nominate a beneficiary for your super section for more information.

Benefit payment period
The maximum amount of time that a Salary Continuance Insurance (SCI) benefit may be paid for.

Eligibility requirements
These are set out in the insurance policy. You’ll find more information about eligibility requirements in the relevant Insurance Guide which forms part of the Product Disclosure Statement (PDS).

Inactive account
Super account that hasn’t received a contribution or a rollover for 16 months.

Life events
Significant life events such as, completing university, getting married or divorced, having or adopting a child and taking out a mortgage or loan. You may need to review your insurance when a life event happens to you to make sure your life insurance cover, and the amount of insurance cover, meets your changing financial protection needs.

Occupation Rating
The rating that applies to your occupation which is determined not by job title but by duties that are carried out. It’s important to make sure your occupation rating is correct (particularly if you change jobs or roles) because it could impact your insurance and the premiums you pay. An incorrect occupation rating classification or employment status may impact your eligibility for insurance cover. It could also mean that you’re paying incorrect premiums for your insurance cover – particularly if your occupation is classified as special risk or not insurable. If you change the work you’re doing, you should also make sure your occupation rating is up to date – it’s your responsibility.

Premiums
Premiums are charged by the insurer and are calculated based on the type and amount of insurance you have. Premiums can also vary based on things like your age, gender, and occupation. Your health history and lifestyle may impact your premiums in the event you choose to increase your insurance.

Underwriting
Insurance cover can be automatically provided without evidence of health or medical information. On the other hand, “underwriting” refers to insurance that is provided only after an assessment by the insurer based on individual personal, employment and health information. The amount and type of insurance cover that the insurer is prepared to offer and the cost of the insurance is based on the level of risk to insure you. Once you have been through the underwriting process, the insurer will be able to decide whether or not to provide you with insurance cover, what type, and how much.

Uninsurable
When the insurer determines that a member's individual circumstances mean the risk of providing insurance cover for them is too high, mainly due to employment or health reasons and so insurance cover is unable to be provided. If you move from an insurable to a not insurable occupation rating classification, you’ll generally only keep your Death & Total Permanent Disablement insurance cover and you may lose any Income Protection cover you have. If your occupation rating falls into a not insurable category, any claim you make will be declined even if you’ve paid premiums. See also "underwriting".

Waiting period
The minimum time period you must wait before you start receiving your SCI benefit payment, for example 30, 60 or 90 days–see your relevant Insurance Guide.