For the attention of: Sia Lagos.

3 March 2023

From Dr Richard McLean

No Fixed Address ,

Scapegoat.

Dear The CEO and Principal Registrar of the Federal Court, Sia Lagos, at email address sia.lagos@fedcourt.gov.au:

I protested items elongated victimisation and financial coercive control on 04/08/2022 in this video and I said I am immediately  at risk from the oppression.

 Shortly after this video was posted the police kicked in my door after elongated family violence and authorities acting to redact my prosperity and incarcerated me inside a hospital. Whilst I was a prisoner - they went to my home and destroyed everything I own. They took everything I have to the tip. 

It was overseen by the Footscray Police and The Weribee Mercy Hospital and additionally Salt Water Clinic with Kade Mollison. I was then rejected to a homelessness shelter with just a bag of clothes. I had identified to the Government I was at risk and even more harm has come to me as a result of the inactions of authorities.

 The following individuals have been authorised the following officers to handle public interest disclosures:

• Catherine Sullivan – Executive Director Corporate Services

• Darrin Moy – Executive Director People, Culture and Communications

• Christine Fewings – Native Title Registrar, National Native Title Tribunal; and

• Scott Tredwell – General Counsel. 

My letter today is in regard to the Public Interest Disclosure Act 2013  (PID Act) which promotes integrity and accountability in the Commonwealth public sector.

(Please excuse the copy and paste and disorganisation I have a cognitive brain impairment from a suicide attempt that this oppression pushed me to. It was deemed ‘fatal’ and I was found with no observable pulse having bled out and unresponsive. I now have a cognitive brain impairment and that is another issue that is covered up by authorities).

A recent cry for help in 2023 I can’t believe I am still protesting this treatment and barely no-one has intervened in a way which would solve the impasse: https://www.youtube.com/watch?v=YdPHFI1ihJw

The PID Act encourages employees, former employees, and others prescribed by the PID Act to disclose wrongdoing by public officials. 

The public officials I have been vilified with are the veneer of the Government facade.

Here is my home under surveillance in an audacious amount of audacity intimidating me and surveilling my home.

https://youtu.be/3viUVA1fI1k

The PID Act provides protections for people who make disclosures and requires agencies to take appropriate action.

It is required that agencies take action including against Tim Gos at AFCA: 

https://youtu.be/c2a5aMMuhQE

I am a democratic citizen of this country and I deserve to be represented as an equal citizen with access to services like AFCA. Tim Gos is just a puppet. He is the public official who is bound by the charter of human rights for a person with a disability including equality before the law and access to the law.

He absolutely knows where this is going and he is aware that he is going to deny me access to any prosperity and he is audacious in lying to my face when talking about this.

Likewise with Liz Lindsberg of AHRC who cleverly describes a way in which I lose a potential 1.5 million dollars to an insurance company who have rejected my income protection and TPD in which was an entirely NOT ‘impartial’ decision.

https://youtu.be/xrNpHZeYx5o

I know it was the Government blocking me because I approached TAL independently and they offered me a settlement. 

Application of the PID Act applies to 'public interest disclosures' made by public officials. 'Public officials' for the purposes of the PID Act covers persons working in, or with a relevant connection to, the Commonwealth public sector. 

I am public sector worker. (Or was) I have a DSS employment login. (See below).

This includes all APS entity heads and APS employees. Individual contracted service providers (contractors) to the Commonwealth and Commonwealth authorities are also considered public officials, and the employees of any contractors to the Commonwealth or a Commonwealth authority are public officials if they provide services for the purposes of the contract.

3. What is a Public Interest Disclosure?

A disclosure of information is considered a public interest disclosure (PID) if the disclosure is made by a current or former public official and the information tends to show, or the official believes on reasonable grounds that the information tends to show, one or more instances of 'disclosable conduct'.

'Disclosable conduct' includes a wide range of wrongful conduct engaged in by an agency, public official in connection with his or her position as a public official, or contractor in connection with entering into or giving effect to their contract with the Commonwealth or a Commonwealth authority. It includes (but is not limited to) conduct that is:

• 
  

• corrupt;

• contravenes a law;

• perverts the course of justice;

• results in the wastage of public funds or property;

• an abuse of public trust;

• unreasonably endangers the health and safety of others;

• maladministration including conduct that is unjust, oppressive or negligent.

There are four types of PIDs under the PID Act: internal disclosures, external disclosures, emergency disclosures and legal practitioner disclosures. Generally public officials should make an 'internal disclosure' in the first instance (either to their immediate supervisor or manager or to an 'authorised officer’).

In certain circumstances, a disclosure may be made as an external disclosure to an outside person or body, such as the Commonwealth Ombudsman.

My Government employee login at department of social security. 

4. To whom can a PID be made?

All officers and staff can make a disclosure to their immediate supervisor or manager. Disclosures can also be made to the Chief Executive Officer and Principal Registrar (CEO) of both the FCA and the FCFCOA.

The CEO and Principal Registrar of the FCA has authorised the following officers to handle public interest disclosures:

• Catherine Sullivan – Executive Director Corporate Services;

• Darrin Moy – Executive Director People, Culture and Communications;

• Christine Fewings – Native Title Registrar, National Native Title Tribunal; and

• Scott Tredwell – General Counsel.

• 
  

The CEO and Principal Registrar of the FCFCOA has authorised the following officers to handle public interest disclosures:

• Virginia Wilson – Deputy Principal Registrar and National Family Law Registrar;

• Amanda Morris – National Judicial Registrar, Judicial and Registrar Case Management; and

• Lynda Maitland – Judicial Registrar.

Disclosures can be made directly to these authorised officers, including by email as follows:

• Federal Court – PID@fedcourt.gov.au

• Federal Circuit and Family Court – PID@fcfcoa.gov.au

• National Native Title Tribunal – PID@nntt.gov.au

However, disclosures can be in any form, including oral, but should ideally be in writing and accompanied by any supporting evidence. Whilst helpful, disclosures do not have to make specific reference to the PID Act – it is sufficient for them to identify any matter that might constitute 'disclosable conduct'.

The PID Act requires the agency to maintain confidentiality of the person making the disclosure unless otherwise authorised by that person. It is a criminal offence to reveal the identity of a discloser without their consent.

A disclosure may be made anonymously. Anonymous disclosures supported by sufficient evidence to justify an investigation will also be handled in accordance with the procedures outlined in this policy.

Supervisors and managers who receive disclosures must, as soon as reasonably practicable, give the information to one of the authorised officers listed in the preceding section. This should be by email or some other verifiable way. It is important that supervisors and managers request and receive an acknowledgment regarding the disclosure from the authorised officer to ensure that any disclosure is received by the authorised officer.

Authorised officers must take appropriate action within 14 days of becoming aware of the disclosure.

The date is 03/03/2023.

I require a response preferably immediately but by law by 17/03/2023.

I have alreadymacde a PID following this one at the beginning of this letter.

Another one was made after I was invited to submit one from The Commonwealth Ombudsman.

That disclosure of 27 Feb 2023 is following and it is sub section of this broader PID.

My PID to the Commonwealth Ombudsman on 27/02/2023.

27 FEBRUARY 2023. Dr Barran Dodger barrandodger@gmail.com  Read The Scapegoat - Introduction (Barran Dodger 2023). Dear Commonwealth Ombudsman:  Please see attached bibliography (In apple format in EndNote). Failing to respond and acknowledge this PID will cause even more harm than has already occurred and may even kill me so please kindly acknowledge my solution (Richard Mclean 2023). The Public Interest Disclosure Act 2013 (Government) provides support and protection to persons who make disclosures under the Act.  I have identified the support and protection I seek (richard mclean 2023). I make this disclosure under great duress, angst and mental degradation and overwhelming dismissive buearocracy.  I am afraid it will fall over because the attorney generals office refuse to acknowledge my calls or emails and send me to the ombudsman (Charan Naidoo 2021, Richard Mclean 2023). I cannot go on like this with even IGIS protecting the family violence my former partner enacts upon me in its financial control (richard IGIS 2021). 

I beg of you to accept my valid PID and disclosable conduct of this disclosable conduct which is NOT ok  (Richard McLean 2023). I can provide all the evidence for all of it. I need immediate relief from further oppression victimisation and the torture of my life. I’m not perfect I’ve made mistakes and I’m a sinner. I’ve apologised but I will do it again (Richard Mclean 2023). Remember I did all this advocacy for for others (Richard McLean) off my own bat and I love people and the earth even though I’ve been let down. My life is no longer physically possible, economically sustainable or financially viable in the current political/social climate and intervention from the Ombudsman is essential in order to save my life. This oppression has left me damaged with a brain impairment  (Marcia Chew; Mercy mental Health Saltwater Clinic 2023) after an injury deemed ‘fatal’ (Weribbee mercy 2021) occurred inside Weribee mercy hospital in which they owed a duty of care.

Please have a heart… This conspiracy for which I admit I play a part has taken my reputation, my job, my insurances, my rights, my settlements, my equality before the law and access to it. It’s taken my freedom, my possessions, my memory, my health. It’s taken my friends and family because in frustration I’ve been needy of or attacked those that ‘help’ but often in my heart not enough for allowing this beast to literally kill me from which I was revived. I have been set up fail, incarcerated, discriminated against, violated, beaten up , viciously attacked, sexualised as a child, rejected, inspected , investigated, exploited and denied the agency to complain. Then when I did find the courage to complain I was victimised for it and suffered detriment in all ways.

I offer this solution (Richard Mclean 2023). It will let me live. Please acknowledge it because I can’t keep suffering this life in an inequitable unfair and unbalanced way in which I am the bad guy and scapegoat. I’m literally fighting a cast of thousands of public officials - I know that I’ll be sacrificed - killed - before liability is admitted. Then mental illness and drugs can be blamed and everyone will be off the hook. Let’s face it no one cares if I die because I did and was revived and I was the only one that opposed my oppression that caused it. But you don’t need to admit liability.

Disclosable conduct:  Every public official is bound to act within the charter of human rights. It’s not brave or courageous to reject someone like me. You know who IS brave under the circumstances and duress? ME! I compiled a list of what’s not ok and what is the disclosable conduct I am reporting (Richard McLean 2023). It’s not right and it’s also not legal. It’s disclosable conduct. 

I have proven a conspiracy to pervert the course of justice. I have no access to the law.  The attorney general rejects me as does every other Government department, My human rights destroyed, This elongated financial abuse led me to a ‘fatal’ injury and another cover up with the hospital, I have death threats, I’ve been attacked by Government thugs inside a hospital, Run over by a car, My dog injured, I can’t go to police and so far rejected whistleblower, My possessions destroyed, I’ve had no access to the law thats meaningful proportionate to my situation, Framed by a powerful lawyer Russell Ball who advises Government policy (Balland partners 2018), Rejected by parliamentarians, My business destroyed, my electronic identity in my email destroyed, I’m treated with contempt, I have been robbed systemically intentionally and maliciously with intentions to cause harm. The harm came and then it was covered up. The harm is still occurring after my possessions were destroyed overseen by the hospital caring for me and the police protecting me.

PLEASE DON’T HURT ME ANYMORE

Why I can make a PID: Introduction.

I can legally make this PID  statement to be investigated because I was a service provider under a Commonwealth contract  (Graeme Head; NDIS Quality and safeguards Commission 2019) and a DSS Government employee login (DSS` 2019).  The term ‘employee’ proves I am an employee or worker for the purposes of workcover which is denied for me at ComCare and AAT. It is within the work cover ministers remit that if liability cannot be established within 21 days it is their responsibility but he and my lawyer refuse to ledger the issue or respond tract on my behalf to quantify a response.  Michaelia Cash refused to intervene when I guessed the AAT was doomed after I lost at AFCA and AHRC. After years of no legal representation and profound detriment I finally wrote to the Australian legal bar who declined to respond to this email that also was ignored by DDLC, MHCC, MHLC, Justice Connect, Victorian LegalAid and The Law Institute of Victoria (Richard McLean 2022). I am a Human Rights award winning author (Richard Mclean 2002) and artist, now experiencing a nightmare that I could never conceive was even possible to a middle class white male in Australia.

To lose your home in a fire.

Some people have lost their homes to fire and that is a tragedy. I lost my home and all its contents because of a conscious and planned malice. It is evil. It is systemic and it is intelligent it is conscious and it is also intended. To cause me harm and this victimisation is abhorrent and against the law. It is dealt to me via proxy of other bodies whereby any issue I had fell outside the remit of the agency I protested at. This has been the demonstrable sin of my suffering through Government tyranny. In February in 2023 the contents of my home were taken to the tip by my landlord Hung Ho and overseen by the community mental health team and hospital that supposedly cared for me. In addition the police who are supposed to care for citizens and have a duty of care to account forest stolen or damaged goods refused to intervene when the contents of my life - everything I owned earned and cherished was destroyed with impunity. After they had finished with the untidy business of my life in which I had been the victim of an intelligently designed vagrancy, Weribee Mercy Hospital rejected me into a homeless shelter. All I had with me was an old phone, the clothes my back and a small brown paper bag of ill fitting tshirts given to me in my two month hospitalisation. It was more so a method to silence me as an outspoken political prisoner.

The engagement

Holding on to dear life

I am currently grasping to any strand of sensibility and hope that I can attach to. Whilst not one person can be held accountable for my traumas, systemic failures of public health policy along with medical professionals derelict of duty of care has brought me to this ongoing agony. I recognise that to this point, my behaviour, language and peaceful protest may have been instrumental in the situation and interpreted as confrontational. I am a forthright and direct person. I am cognisant enough to realise that once a starts to gather speed, it becomes a perpetual force that consumes everything in it’s path. No matter what the initial cause was for the tragedy that is growing after now having reached a critical mass and affecting me on an exponential level paramount to torture. I could not report my own torture to the NDIS, Police, Hospital, friend or family member nor my homelessness to Sheena Jack from HCF or Jacquelyn Symes from parliament. Because my identity was treated with such gaslighting and contempt I changed my name to Barran Dodger and it is from that identity I emailed every single parliamentarian with zero response.

IM SORRY TO TONY RIDDELL HE DESERVES PROTECTION TOO AND ME FROM HIM TO ILLUSTRATE MY POINT!

My previous truce didn’t work

I offered a truce to the Government (Richard McLean 2021) regarding my oppression. Charan Naidoo representing attorney general Mark Dreyfus’ office refers me to the Ombudsman (Charan Naidoo 2021) rejecting any responsibility. His office still refuses to acknowledge me (Richard Mclean 2023). At first the OAIC said my FOI of the OPMC was too ‘voluminous’  (OAIC; OAIC 2022) then rejected it (Petra Gartman; Office of Prime Minister & Cabinet 2022).  The Ombudsman’s own literature states defines a complaint an implied or express statement of dissatisfaction where a response is sought is reasonably to expected and legally required and this is such a complaint worthy to qualify for a PID.

I’ve pissed off at least two powerful people. 

The profound victimisation and economic disadvantage I have suffered from Steve Iasonidis‘ rejection of a settlement in which we were engaged to be married and in which lived together (Biggins and Scott Real Estate) and in which he exploited me (Rebecca Badenoch 2020) underpins it.  I have also been framed by Russell Ball who is influential on Government policy (Balland partners 2018) and acted to silence evidence (richard mclean dr whittaker 2017) that was due before a court for malpractice but never heard has caused me profound damage.  I attempted to gain justice after years of oppression. I requested my FOI from the OPMC to unravel the reason behind it but they cite I ‘don’t exist’ (Petra Gartman; Office of Prime Minister & Cabinet 2022). But I’ve spoken all over this country (Richard McLean) in a courageous advocacy. Rejecting my FOI elongated the family abuse and massive potential financial detriment I suffered and illustrates systemic corruption. It would have revealed my public role and corruption at AFCA, AHRC, Police, and Attorney General. It would have revealed the psychometric profiling of me Tony Riddell speaks of in this candid recording (Barran Dodger and Tony Riddell 2022). I would reveal I was engaged to former ASIO employee Steve Iasonidis. Riddell reveals the methodology of government tyranny that aims to sacrifice me. I had to reverse engineer this gas lighting from humble beginnings at local levels to the very top.

Silenced

I will provide evidence to come from HCC, MHCC, The Police, IBAC, The Victorian Inspectorate,The Ombudsman that evidence has been silenced. Now I am infamous and cannot even go to legal aid (Rich Mclean 2023). I am not an equal citizen in this country because I haven’t legal representation resulting in my release from vagrancy. A disabled person having no representation is in spite of Australia being a  signatory to (united nations Convention of human rights for people with a disability) which states I must have equality before the law and access to it. I don’t and I demand it. Currently I have been discriminated against, I am exploited, I have had the sanctity life removed, and I have had my property and my prosperity redacted. In addition I have no equality before the law or access to it. To illustrate this I wrote to the Governing body of all lawyers detailing my universal rejection from dozens of enquiries and received zero response (Richard McLean 2022). It’s no surprise I am psychometrically profiled as Tony Riddell says (Barran Dodger and Tony Riddell 2022) and rejected any help from Victoria Legal Aid (Rich Mclean 2023).

Attorney General who oversees Ombudsman

Attorney General Mark Dreyfus refuses to acknowledge me (Richard Mclean 2023). It is now demonstrable that my ‘fatal’ injury (Weribbee mercy 2021) resulting in my brain impairment (Marcia Chew; Mercy mental Health Saltwater Clinic 2023) was the result of Government torture. The hospital owes me a duty of care and a settlement and this needs to be immediately acknowledged. I have cared for human rights in my advocacy (Richard McLean) and spoken all over this country and what I have given on a personal level is way out of proportion for what I have received.

Disability discrimination

The Disability Discrimination act (Disability Discrimination Act 1992) forbids discrimination on the basis of disability but when my autobiography (Richard Mclean 2002) was published I was vilified publicly by Sunday Herald Sun (Richard Mclean / Editor 2002) and within three weeks lost my job at The Age. I was a marked man again from that point. The victimisation I have suffered systemically in this document is palpable. The legal definition of victimisation is when someone “subjects or threatens to subject the other person to any detriment”. The definition of ‘detriment’ can be non-economic loss economic loss physical injury or impairment including psychiatric injury. I have suffered all three.  The list of potential financial detriments that were intentionally redacted from me over time in a political way is formidably large at over twenty million dollars (Richard Mclean 2023). According to The Commonwealth Ombudsman’s own charter the response to this document  must be respectful, impartial, confidential, transparent, procedurally fair, accessible and responsive. My hope for an immediate outcome which will cease my torture is clearly noted (Richard McLean 2023). I don’t expect much more than what a person is dignified to have. Already my applications to the CDDC scheme have been ignored.

Fearing I’ll be sacrificed

On 16th Sept 22 my PID was rejected (.Judi Authorised officer; Commonwealth Ombudsman 2022). But this PID includes disclosable issues including a contravention of the law, systemic corruption, conspiracy perverting the course of justice, maladministration, an abuse of public trust, wastage of public money, and conduct that is a danger to health, safety or the environment. Tony Riddell who is is only one of three people in Australia with his clearance of counter terrorism and risk management detailed to me ‘psychometric profiling’ that is utilised by The Government in order to destroy people.  He detailed how they ‘sacrifice bad apples’ rather thank blame the ‘bad barrels makers’ (Barran Dodger and Tony Riddell 2022). I knew I’d be destroyed with further demonic style victimisation and further character assassination if I didn’t make a stand.

Prejudicing me

Dr Horgan praised my dexamphetamine (Dr david Horgan 2016) which I had an amazing life on and then would not prescribe it after my suicide. Weribee Mercy detail the cessation of my Dex as the cause for my suicide attempt (Mercy mental Health 2021). It is clear I have used street drugs to mimic the effect but salt water clinic refuse to prescribe it. This is malpractice. I demand the script. Under the guise of government/legislative procedures and policies, those who have sympathised with my struggles are quickly stymied and silenced by the lack of resources, information they can share with me or personal reason to prejudice me from the public domain.  They can also prejudice me from the private or professional domain as Dr Horgan has done.

More detail EVIDENCE CAN BE PROVIDED

I was happy creating and studying and as soon as people wed me money my persecution began and I was vilified. Here is a black SUV profiling my home in 2021 (richmcleanart 2021). With the benefit of hindsight we are now learning that the decisions made by senior public health officials was far from ideal (Greg Hunt 2020). Consequentially, benefitting the people that had more money and were not scapegoats easy to exploit. I’ve been vulnerable and with low incomes and poverty has affected my health.  A Magistrate rejected my AVI (Our reference: RQ22/00794 Agency reference: FOI/2022/045; Magistrates court 2021) when I attempted to gain access to a settlement from Iasonidis. I knew he would kill me because he admitted to me being at murders and I was scared. The Government protects him by the OPM refusing my FOI (Petra Gartman; Office of Prime Minister & Cabinet 2022). ASIC reject my FOI telling me to call police (Adriana Bianchi; ASIC 2022).  Given meagre supports I am capable of amazing things (Dr Richard McLean 2020). Greg Hunt - silenced evidence  in the wWhittaker case (Greg Hunt 2020). A screen snapshot of my business website (Dr Rich McLean 2017) www.richmclean.com.au. My business website that Micron 21 destroyed (James Braunegg; Richard Mclean 2021) . They did it with impunity and the telecommunications industry ombudsman covered it up as well as SFBEO. It was registered at ASIC and they allowed it to be destroyed.  Grindr user tells me Steve wants my husky ‘dead’ (Grindr User 2021) because he was found to have embezzled a million dollars. I cannot report the death threat to police.  Neuropsychological exam demonstrates (Marcia Chew; Mercy mental Health Saltwater Clinic 2023) the damage the demonstrated oppression has caused in my cognitive brain impairment. I write to Michaelia Cash (Richard Mclean 2020) with no intervention.  OPMC - refused my FOI (OAIC; OAIC 2022) which is in itself unlawful. Tim Gos - AFCA - set me up (evidence to come).  Liz Lindsberg - Free kicked a 1.5million dollar deal in a way not impartial (evidence to come),  AFCA head - Banned me. Work safe Minister - banned me. Simon Birmingham - finance.gov Rejected my CDDC scheme. Paul Fowler - rejected my workcover at ComCare on two different reasons. Workcover sent it to ComCare and Paul Fowler was the old boss at worksafe. Thats called corruption. APRA - Rejected whistleblower. AFSA - rejected Whistleblower. Steve Iasonidis - A former public service official who exploited me in his personal life (Carm caputo 2011). Head of AGIS - Did not investigate and protected Steve Iasonidis. Head of ASIO - David Irvine - He supported Steves exploitation of me. I actually committed Centrelink fraud for even having a pension. Michaelia Cash - refused to intervene in AFCA AHRC and ComCare / AAT. Russell Ball - framed me as an extortionist and destroyed my access to the law. Head of  Weribee Mercy - James Lye - Covered up settlement for damage to me whilst under their care. Salt Water clinic - did the same.  Dr David Horgan - praised dexamphetamine then rejected me-thats malpractice.  ASIC, APRA, AFSA, The Commonwealth Ombudsman I have been a failed whistleblower until now.  Because of Russell Ball my evidence was silenced by the heads of these agencies: (name) HCC, (name), MHCC, (name) The police including Christopher Roberts, (Sue) IBAC, (name) The Victorian Inspectorate, (name) AHPRA, (name) NHPOPC, (name) The Ombudsman - Ben Calder. Attorney General Victoria refused to respond to me. Deborah Glass refused to respond.  Micron 21 - James Braunegg maliciously destroyed my business and website and with it my digital identity (James Braunegg; Richard Mclean 2021). Telecommunications Industry Ombudsman protected the destruction of my business.  So did Small Business and Family Industry Ombudsman. This Government abuse is demonstrable and damaged me and I suffered what was deemed a ‘fatal’ injury inside Weribee mercy (Weribbee mercy 2021) for which I have a brain impairment (Marcia Chew; Mercy mental Health Saltwater Clinic 2023). My heart ceased due to lack of blood (Mercy mental Health 2021). A hospital owes a duty of care whilst in their custody. The apology was abuse. Show me the money.  I am banned at AFCA to Jeffrie Tricka where I lost over 2 million dollars (Diana Ennis 2022). They knew I was in financial distress . They were supposed to come to determinations for marginalised people within 4 weeks (AFCA 2019).  HCF refused to pay workcover refused to pay. Mr Iasonidis incarcerated me rejecting a settlement and I could not get a lawyer. My AVI on him was denied (Our reference: RQ22/00794 Agency reference: FOI/2022/045; Magistrates court 2021). I lost over 1.5million in financial detriment at AHRC. I am a failed whistleblower at ASIC APRA AFSA and formerly Commonwealth Ombudsman.

family violence is not ok

I am under family violence from Mr Steve Iasonidis (Carm caputo 2011) who enacts coercive financial control bye refusing a settlement and threatening to kill my dog (Grindr User 2021). IGIS refuse to investigate the his actions from the five year relationship in which we were engaged to be married and he exploited my nest egg. I applied for an IVO but it was rejected (Our reference: RQ22/00794 Agency reference: FOI/2022/045; Magistrates court 2021). He received a carers pension for being with me and earned upwards of $30000 a month whilst I was on a pension. I was living off a TPD insurance from Health Super for which I was paid one unit of $83000 but I had 8 units of cover. The Government refuse to acknowledge the relationship. I became ill in Feb 2021 (Moore) from an unfavourable sexual abuse case where I was the victim. I also knew I had been framed. The magistrate threw it out as ‘doomed’ to fail. My HCF income assist rejected. My workcover rejected. Work Safe have banned me. 

Systemic corruption

Paul Fowler was the old boss at worksafe who sent me to ComCare where he rejected me. This is corruption. I was contracted to work only inn Victoria under a statutory agency of Vic. First it was for reason (x) then they rejected it because of (y). I have a Government employee login. Bill Shorten refuses to get back to me. Member Purnell and Kate Watson acted outside the remit of the charter of human rights when they delayed my payment and rejected it. HCC, MHCC, Victorian Inspectorate, The Police, IBAC, The Ombudsman, AHPRA and NHPOPC failed to intervene both in original malpractice by Dr Whittaker in which his neglect led to my overdose. I had acquired a recording of the malpractice which was for the reason of checking my reality because my perceptions have been unreliable. It was innocuously taken and this was silenced universally. His lawyer Russell Ball intervened in agencies and acted to harm me. He informs the ombudsman (Balland partners 2018) where I am a failed whistleblower and advises the Government on policy. After my suicide attempt I discovered the FOI from HCC which detailed Russell Ball framing me as an extortionist and this is why I had failed for so long and this demonstrates the harm this man caused me.

THE SOLUTION (Richard Mclean 2023)

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User, G. (2021).

whittaker, r. m. d. (2017).

The link to the endnote library is here.

I have detailed a list of the evidence I present in this document that is in addition to the Commonwealth Ombudsman PID above as an extended PID to the federal circuit court and ATT to Sia Lagos and other officials that are able to receive the complaint that needs urgent addressing

I protested items elongated victimisation and financial coercive control on 04/08/2022 in this video and I said I am immediately  at risk from the oppression.

Shortly after this was posted the police kicked in my door after elongated family violence and authorities acting to redact my prosperity and incarcerated me inside a hospital. Whilst I was a prisoner - they went to my home and destroyed everything I own. They took everything I have to the tip.

It was overseen by the Footscray Police and The Weribee Mercy Hospital and additionally Salt Water Clinic with Kade Mollison. I was then rejected to a homelessness shelter with just a bag of clothes. I had identified to the Government I was at risk and even more harm has come to me as a result of the inactions of authorities.

A recent cry for help in 2023 I can’t believe I am still protesting this treatment and barely no-one has intervened in a way which would solve the impasse.

My Government employee login at department of social security.

My PID to the Commonwealth Ombudsman on 27/02/2023.

PLEASE DON’T HURT ME ANYMORE

Why I can make a PID: Introduction.

To lose your home in a fire.

The engagement

Holding on to dear life

IM SORRY TO TONY RIDDELL HE DESERVES PROTECTION TOO AND ME FROM HIM TO ILLUSTRATE MY POINT!

My previous truce didn’t work

I’ve pissed off at least two powerful people.

Silenced

Attorney General who oversees Ombudsman

Disability discrimination

Fearing I’ll be sacrificed

Prejudicing me

More detail EVIDENCE CAN BE PROVIDED

family violence is not ok

Systemic corruption

THE SOLUTION (Richard Mclean 2023)

Death. As a registered NDIS provider I could not report my own ‘fatal’ injury not my own persecution or torture to the NDIS.

Steve iasonidis tells me about his job at ASIO and that he can’t put it on Facebook. There is no question the relationship existed.

Chris Roberts of Footscray Police silences evidence and makes me feel ‘less than death’. Later on I would commit suicide from the same type of abuse and it still exists today.

Police kick in my front door to cuff me and hospitalise me, 2021, 22.

I give Steve iasonidis the engagement ring in 2011.

I am beaten up violently inside a public hospital Weribee Mercy after I have already suicided in that facility. I am re traumatised again and again.  The thug that broke my nose had a t-shirt with my unique tattoo on it. That I think was a sign to say the power of what they can do that only I would know. Later - years later whilst on the run from police because they threaten me with the mental health act a friend puts me in a cheap backpackers to hide - and he lives next door.

Two units of cover are standard in 2007 - I was paid in 2008 and I was only paid one unit although I claim to have paid for eight.

The police kick in my door. 2021. If I were rich, they would not have kicked in my door.

The evidence from the hospital that my suicide attempt was deemed ‘fatal’ and that I now have a Bain impairment from it - and I never worked again.It was committed with an agreed legal contraband but Ben Calder from the ombudsman saw no issue whatsoever.

• After I was revived from death - the government put me on jobseeker but then cancelled it.

I record evidence of the police kicking in my front door - because I have no money they can act with impunity and later on they did: Whilst I was incarcerated from November 2022 to Jan 2023 the hospital, salt water clinic including my contact person Kade Molloy and also the police oversaw the destruction of everything I own. It was ordered by Hung Ho of Edithvale - who knew about the conspiracy because I had asked him to get a response from Dan Andrews but he refused to.They destroyed by clothes my pics of my nana my photos my bed my shelves and everything I owned. Then  the hospital rejected me to a homelessness shelter with just a brown paper bag of tshirts. The Government medicate me for ‘delusions of persecution.’

2 units are standard in 2007 not one in 2008, this is from health supers own product disclosure statement.

Health super payout was incorrect amount

Discharge summary evidence after my suicide attempt - ‘no psychotic symptoms’

Steve iasonidis used to supply me with drugs its no secret we used to get high

Evidence of health super document in 2006

Health super payout of one unit of cover TPD

Evidence of exit statement in 2006 - payout of one unit of $83000 but I was insured for eight (8)

Evidence my fees reflected eight units of cover at $1.05 per unit.

Payment summary on 29/02/2008 TPD payout.

The bank cheque for $72810 that was deposited in 2008 for one unit but I was insured for eight.

My management costs at two different times - compare the fees I paid

Management costs $120.15 and fees of $134.98

Sheena Jack refuses to communicate with me anymore after ruling that I will not be paid income assist and she affirms I will be blocked from the organisation and also rejects giving me ‘the investigation’ and that I have no lawyer as in opposition to human rights charter for people with a disability

AIA refuse to acknowledge the TPD claim of eight units-they know I have no lawyer and I am banned at AFCA

The coin forge take money out of my account and then refuse to pay me $50000 that I won. Bendigo bank refund the fraudulent transactions of about $8000 but $19500 remain. Some was refunded - but not all. How is this possible? They too know I am banned at AFCA

Cc: Rich McLean rich@richmclean.com.au

I am rejected some of my FOI from mercy health covering up the suicide and my treatment and it still is today

I read from another whistleblower how ‘DARVO’ is deployed blaming the victim. I am further rejected from the Victims of Crime Commissioner

Thats weird I just maybe imagined I won $40000 and Bendigo bank refused to investigate it.

SUPERANNUATION WAS SUPPOSED TO BE PAID FOR A PERSON WORKING FOR THE NDIS by CSC

My certificate of service from NWAMHS - ‘workcover’ is under my ‘membership number’ but I never received workcover in 2004 just like now in 2021, 22 and 23.

THIS IS MY EMPLOYEE DETAILS ON THE AUSTRALIAN GOVERNMENT WEBSITE. My current workcover is rejected because I am not an ‘employee’ for the purpose of the SRC act. Rubbish it clearly states on the ndis commission website a worker can be a sole trader contractor or volunteer. A

Thats a shame Work safe banned me. I could have used their help. The old boss at worksafe Victoria was the same person that rejected my claim later on at Comcare. Thats called corruption. I was only legislated to work within Victoria so my claim is not a comcare issue it is with work safe.

AFCA HAD ONLY FOUR WEEKS TO MAKE A DETERMINATION FOR A MARGINALISED PERSON MINE TOOK OVER A YEAR AND A HALF - I threatened to call them out on it - so they banned me. What democratic citizen gets his rights withheld costing millions from a government statutory agency designed to assist with money issues?

Thats weird I can’t seem to send a crime report to police.

3-6 weeks for an outcome, but mine took over a year and a half

Police have looked up Steve iasonidis and know hes my former partner - here footscray police refuse to act.

Tim Gos of afca absolutely is guilty of conspiracy to pervert the course of justice. Here he is with an immense amount of audacity that he is untouchable… and he denies me my overdue settlements.

The moment  that Liz Lindsberg from AHRC drops the $1.5 million dollar bomb on me that the ‘impartial’ dispute that was scheduled at AHRC was now cancelled and that TAL - the insurer have said they wont attend. In time I could have used that TPD and income assist with my brain detriment. I sent this to finance minister Birmingham at finance.gov.au for the CDDC scheme and was rejected.

I call Footscray Cops for the purpose of reporting the conspiracy and my injustice and give them a serve

Melbourne Health CERTIFICATE OF SERVICE

THE HEALTH SUPER WELCOME PACK STATES YOU CAN DESIGN YOUR OWN SIUPER I CHOSE EIGHT UNIUTS OF COVER

I wrote Sheena jack

The AHRC now respond to me after my 1.5 million dollar settlement was pre kicked to the opposition. Caroline Tjoa is the person who is the ‘Delegate to the President’

Attorney general Michaelia Cash wont respond to my 2 million loss at AFCA where I was also banned and the AHRC where Lost 1.5 million dollars and then onto the AAT where I predicted I would lose. It is signed by a non - person. The current attorney general Mark Dreyfus won’t respond to me.

Nice work Bizcover you get insurance in case your business is damaged. How is it you rejected every single thing I ever claimed for?

The attorney General’s mark Dreyfus’ department got my email lost! Bummer. They forward me onto the ombudsman - where I have already made a disclosure as a PID.

The prime minister didn’t think much of my complaint about systemic injustice

ASIC have a role in superannuation - they could solve my problems surely? No I am a failed whistleblower at ASIC.

Hang on on 17/06/2020 AFCA knew of my financial difficulty. Surely they would not leave me hanging for over a year and a half

Im a failed whistleblower at APRA

Wager beat is an illegal casino that takes money from your account. Bendigo bank are a corrupt bank who allows this to happen without compensating you anything whatsoever.

14 December 2021 there it is - I begged the attorney general to help.

Micron21 destroy my business with impunity along with my digital identity. The telecommunications industry ombudsman condone it and so does the SBEFSO. business.gov don’t care and ASIC refused to comment.

Dr Daniel McCurdy was on point. Sexual abuse and ‘psychosis’ are linked. Who’d have thought?

27/07/2022 I am threatened with hospital by salt water clinic unless I front up for an injection to stop my ‘delusions’. Later salt water clinic would oversee the destruction of my entire home and contents, along with the police - who obviously act to protect individuals and stolen damaged or lost property.

The NDIS have absolutely not supported my economic participation and they have reneged on the cost of reasonable and necessary supports.

I am literally beaten up inside a hospital I had already died in and revived by a Government thug.  Later when released the police would run me out of town and the offender would be in the room next door.bAlso that next day - I am run down in the street by an out of control car and both my dog and I are injured.bThey knew I couldn’t stop - otherwise Id be locked in hospital. My lawyer said did I have a number plate because it may have been the police who ran me down. That makes me feel safe.

My PID to the Commonwealth Ombudsman on 04/08/2022 just before I was incarcerated in a psychiatric hospital

Death. As a registered NDIS provider I could not report my own ‘fatal’ injury not my own persecution or torture to the NDIS.

Steve iasonidis tells me about his job at ASIO and that he can’t put it on Facebook. There is no question the relationship existed.

Chris Roberts of Footscray Police silences evidence and makes me feel ‘less than death’. Later on I would commit suicide from the same type of abuse and it still exists today.

Police kick in my front door to cuff me and hospitalise me, 2021, 22.

5. Procedure for handling and investigating disclosures

The disclosure today ion 03.03.23 is that:

Steve iasonidis enacts family violence.

It must stop with a legal equitable and just settlement of assets.

Steve iasonidis was pivotal in incarcerating Dr Mclean as punishment for attempting gain access to his superannuation.

This systemic persecution ended up murdering Dr Mclean.

Steve is proven to be engaged to me for a period of five years.

I demand whistleblower protection because of this:

That he has acted with great privilege and power with a silent conceited amount of privilege in the form of money  is family violence that comes in a form of financial abuse co created murderous intent and that we wished such harm on Dr McLean he suffered a fatal injury.

This was after he was framed by Mr ball and lost VCAT case and another VCAT case framed as an extortionist and could not report crime to police. Further he expressed regret at losing his virginity at the local police break up publicly in a book to Debbie Morgan.

The police reacted in a way that could cause damage to Dr Mclean and framed him and slandered him as a sexually violent man.

Nothing could be further than the truth it was consentual and it was homophobic reaction rangers to Rich’s blossoming sexuality and further that The office of Prime Minister and Cabinet refuse Richard McLeans FOI acts to elongate what this is:

That additionally that the office of prime minister and Cabinet and Centrelink and ASIO (who preach family values) and AGIS and The Tax Deportment need to acknowledge the fact of the relationship and reverse the persecution of Dr Rich Mclean into not physically harming, but maiming Steve Iasonidis at least financially to the tune of half of what he is worth for Dr Mclean.

To not immediately demand this causes Dr Mclean harm.

Harm is intended for Dr McLean and he is universally exploited.

He has lost out at all levels of Government framed by Steve iasonidis and Mr ball of ball and partners who framed Dr McLewan Internally to Government agencies as an extortionist.

This was another reason for Dr Mclean’s persecution by the cat team. When they came for that first hospitalisation McLean explained precisely the persecution that was occurring to him:

On 18th jan 2020 I write to Christopher Roberts at Footscray police who acted with a conspiracy to silence evidence and I report it makes me feel less than death. I am already a suicide survivor now an overdose. Later this would lead me to actually suicide and it be deemed fatal - only to have it covered up.

An authorised officer must use their best endeavours to assess a disclosure, including whether it should be allocated to another agency, within 14 days of receiving it. They may obtain information from such persons and make such inquiries as they think fit.

Once a disclosure has been allocated, an authorised officer will inform the discloser. If allocated to another agency, the authorised officer will also notify the principal officer of any agency to which the handling of the disclosure is allocated. If an authorised officer decides that a disclosure should not be allocated, they will inform the discloser of the reasons for this and any other courses of action that might be available.

Once a disclosure has been allocated for handling under the PID Act, the CEO and Principal Registrar will have the disclosure investigated unless the disclosure does not, to any extent, concern serious disclosable conduct, the disclosure is frivolous or vexatious, or the information is the same or substantially the same as a disclosure that has been or is being investigated.

The principal officer may nominate an investigator and will inform the discloser that an investigation is to take place and the estimated length of the investigation. An investigation report must be completed within 90 days of the matter being allocated for investigation, unless the Ombudsman has extended that period by an additional period.

When the investigation is completed, a copy of the report will be provided to the discloser.

6. Protections provided under the PID Act

The PID Act provides the following protections for persons who make a PID:

• The person will not be subject to any civil, criminal or administrative liability (including disciplinary action) for making the disclosure. However, this immunity does not apply when the discloser knowingly and without reasonable excuse contravenes a designated publication restriction or when the disclosure is knowingly false or misleading;

• No contractual or other remedy may be enforced, and no contractual or other right may be exercised, against the person on the basis of the PID;

• The person has absolute privilege in proceedings for defamation in respect of a PID;

• A contract to which the person is a party must not be terminated on the basis that the disclosure constitutes a breach of the contract;

• It is a criminal offence for a person to take, or threaten to take, reprisal action against another person under the PID Act. ‘Reprisal action’ is defined in the PID Act as an act or omission that causes detriment to another person, which occurs by reason of a belief or suspicion that a PID was made, may have been made, or proposes to be made;

• Remedies, including compensation and injunctions, may be available in respect of reprisal actions under the PID Act or the Fair Work Act 2009 (Cth) (although an application may only be made under one Act);

• The general workplace protections offered by Part 3-1 of the Fair Work Act 2009 (Cth) will apply in relation to the making of a public interest disclosure by a public official who is an employee within the meaning of that Act;

• It is a criminal offence to reveal the identity of a discloser without their consent. Authorised officers may need to point out that it may not, however, be possible to fully investigate a matter without consent to identify the discloser and that, while utmost care may be taken, others may guess at the identity of the discloser.

These protections do not necessarily protect the discloser in relation to their own wrongdoing, where they have been involved in the misconduct they are reporting. These protections are also not available to staff who make intentionally false or misleading disclosures.

7. Assessing the risk of reprisals and providing confidentiality – arrangements to protect employees from harassment and disadvantage

The principal officer (or their delegate) will assess the risk that reprisals may be taken and take reasonable steps to protect public officials from detriment or threats of detriment relating to PIDs. Where necessary, this can be done with reference to guidelines on the Commonwealth Ombudsman’s website. Reasonable steps may include:

• investigating any allegations of harassment independently;

• taking appropriate follow-up action;

• taking action to ensure the employee making the report is not disadvantaged, e.g. is not denied access to their entitlements, rights or development opportunities;

• in the event that a reporting employee may experience, or perceive to have experienced, disadvantage as a result of their report, the court or tribunal will take appropriate action to address their concerns;

• providing other forms of support or protection that may be appropriate in the circumstances, e.g. counselling;

• ensuring appropriate steps are taken to minimise any physical threat to the employee, their family or property; and/or

• providing and maintaining the confidentiality of the discloser, as far as practicable.

• 
  

8. Review of process and outcome

Complaints regarding the way a disclosure is handled can be made directly to the Commonwealth Ombudsman. The Ombudsman may also investigate matters referred directly to the Ombudsman’s Office.

Thanks for going over $60-70000 worth of invoices and finding only one that had an error.

I just wish to state that the Government and everyone in it are my nemesis.

That is because my former partner Steve Iasonidis is a former ASIO agent and owes me a just and equal and legal settlement. But as he said he would kill me I held off for a while. 

He still owes it to me and the detriment of not having an equitable settlement is called financial control; much like he had in our 5 year relationship in which we were ended to be married.

You can see here in this video me giving him the ring:

I give Steve iasonidis the engagement ring in 2011. 

At the same time as me buying him Gucci ring, I was living on a disability pension and a settlement from a total permanent disability payout of $83000 from 2008.

In your role, you are a public authority and act for members of the public. The charter of human rights for a person with a disability had fundamental rules and ethics for our society. It states I must not be taken advantage of, discriminated against, have property (or money) withheld, be tortured, deprived of life or importantly for me: have access to the law and equality before the law.

Framed by the information in this letter, I wondered if you may indulge these values in your dealings with me?

This includes of course, having access to lawyer.

I may be paranoid but I think some people may want to do me harm?

I am beaten up violently inside a public hospital Weribee Mercy after I have already suicided in that facility. I am re traumatised again and again.  The thug that broke my nose had a t-shirt with my unique tattoo on it. That I think was a sign to say the power of what they can do that only I would know. Later - years later whilst on the run from police because they threaten me with the mental health act a friend puts me in a cheap backpackers to hide - and he lives next door. 

What is a public authority?

(1) For the purposes of this Charter a public authority is—

(a) a public official within the meaning of the Public Administration Act 2004; or

A public official under the Public Administration Act 2004 includes employees of the public service, 

No. 43 of 2006

Authorised Version incorporating amendments as at 6 April 2020

You have certain obligations as a public authorities, specifically:

38 Conduct of public authorities

• (1)  Subject to this section, it is unlawful for a public authority to act in a way that is incompatible with a human right or, in making a decision, to fail to give proper consideration to a relevant human right. 

There is a set of values under mining Australian laws and the public government officials it employs. It is called the  declaration of human rights of disabled persons.

In it it states on the human rights to protection against exploitation, discrimination, and abuse for people with a disability, of which I am one.

Freedom From Exploitation, Violence And Abuse

Human Rights

Human rights are fundamental rights and freedoms that are intrinsic to every person by virtue of their status as a human being.

Adequate standard of living and social protection[edit]

Two units of cover are standard in 2007 - I was paid in 2008 and I was only paid one unit although I claim to have paid for eight. 

Article 28 requires that States Parties recognize the right of persons with disabilities to an adequate standard of living for themselves and their families, including adequate food, clothing and housing, and to the continuous improvement of living conditions, and shall take appropriate steps to safeguard and promote the realization of this rights without discrimination on the basis of disability.

People with a disability must also have Equal Recognition Before The Law And Access To Justice and that is stated and ratified by the Australian Government on 2008 in the Convention on the rights of people with disabilities

It includes a section on Housing And Support

Access to housing is a fundamental human need and a core element of the human right to an adequate standard of living.  

In order to effectively exercise their housing rights, many persons with disability require social support services to provide personal care, domestic services and living skill support.  Access to social services is also a core element of the human right to an adequate standard of living.

FROM THE NDIS ACT 2013 ‘THE ACT’ reflects the values of the UN Convention On The Rights Of Persons With Disabilities (CRPD), 2006

The Convention entered into force on 3 May 2008. Australia ratified it and its Optional Protocol on 17 July 2008, joining other countries around the world in a global effort to promote the equal and active participation of all people with disability in society.

In particular it states that:

6)  People with disability have the same right as other members of Australian society to respect for their worth and dignity and to live free from abuse, neglect and exploitation.

 (7)  People with disability have the same right as other members of Australian society to pursue any grievance.

The police kick in my door. 2021. If I were rich, they would not have kicked in my door.The evidence from the hospital that my suicide attempt was deemed ‘fatal’ and that I now have a Bain impairment from it - and I never worked again.It was committed with an agreed legal contraband but Ben Calder from the ombudsman saw no issue whatsoever. 

I believe I can prove that a conspiracy to pervert the course of justice has happened and that movement was been the causation of my untimely and tragic ‘fatal’ injury in Weribee mercy hospital in Feb 2021.

Perverting The Course Of Justice?

The offence of Perverting the Course of Justice is contained in section 319 of the Crimes Act 1900 which states that a person who does any act, or makes any omission, intending in any way to pervert the course of justice, is liable to imprisonment for 14 years.

What Must Be Proven?

To find a person guilty of this offence the prosecution must prove each of the following matters beyond a reasonable doubt:

• That the accused did an act or made an omission

• That they did so intent to pervert the course of justice.
  
  

• 
  
  
  After I was revived from death - the government put me on jobseeker but then cancelled it. 

I record evidence of the police kicking in my front door - because I have no money they can act with impunity and later on they did: Whilst I was incarcerated from November 2022 to Jan 2023 the hospital, salt water clinic including my contact person Kade Molloy and also the police oversaw the destruction of everything I own. It was ordered by Hung Ho of Edithvale - who knew about the conspiracy because I had asked him to get a response from Dan Andrews but he refused to.They destroyed by clothes my pics of my nana my photos my bed my shelves and everything I owned. Then  the hospital rejected me to a homelessness shelter with just a brown paper bag of tshirts. The Government medicate me for ‘delusions of persecution.’

The Public Interest Disclosure Act 2012 (Vic) ensures that people who report improper conduct and corruption in the Victorian public sector (whistleblowers) can do so in the knowledge that they will be protected.

Protections include keeping the identity of the person reporting improper conduct confidential and protecting them from reprisals including bullying, harassment or legal action.

2 units are standard in 2007 not one in 2008, this is from health supers own product disclosure statement. 

Health super payout was incorrect amount

Discharge summary evidence after my suicide attempt - ‘no psychotic symptoms’

Steve iasonidis used to supply me with drugs its no secret we used to get high Evidence of health super document in 2006Health super payout of one unit of cover TPD

3 August 2006 

Mr Richard Mclean 7 Eighth Street EILDON VIC 3713 

Dear Mr Mclean 

Health Super Member Number: 9783679 

In accordance with your instructions for the payment of your superannuation benefit, we enclose the following: 

an Australian Tax Office ETP Payment Summary and cheque payable to MR R W MCLEAN for $1,779.53 

To assist you in understanding how your benefit has been calculated, we have also enclosed your Health Super statement as at 03/08/2006. 

You should read your Health Super Statement and this letter together as they constitute your exit periodic statement as required by the Corporations Act. 

If you have any further queries, please do not hesitate to contact our Customer Relations Team on 1800 33 17 19. 

Yours sincerely 

Brett Gibbons

Customer Relations Manager 

Tax File Number received ✓ email received ✓ beneficiaries provided  

your 

Section 1Health Super statement 

Mr Richard McLean 7 Eighth Street EILDON VIC 3713 

<Scheme> 

OPENING balance 01/07/2006 

account type: 

Shelter 

what’s been put in? 

from 01/07/2006- 03/08/2006 

what your employer(s) paid in 

Superannuation Guarantee (SG) 

Additional employer contributions 

what you’ve paid in 

Combine or amounts transferred in 

Your personal contributions 

what the Government has paid in 

Government Co-Contributions (net) 

investment earnings (net) 

From your investment choice(s) 

$0.00 

$0.00 $0.001 

$0.00 

$0.00 

$23.412 

what’s been taken out? 

from 01/07/2006 - 03/08/2006 

Health Super fees 

Administration fee 

Government taxes 

$7.02 

$0.00 

$0.003 

$0.00 

$0.00 

$0.00 

1 

2 

This may include a benefit transferred in from another section of the Health Super Fund or from an external fund. If part of this amount represents a transfer of a defined benefit amount, then please refer to your Health Super defined benefit statement and explanatory notes for further information. 

Investment and asset fees have been deducted from Health Super's investment returns before these returns are credited to your account at the end of the reporting period. These fees are for services provided by professional investment managers of the Health Super Fund, including investment manager fees and costs associated with the purchase, sale and administration of investments. There may also be a fee to cover the general cost of administration. These deductions are borne indirectly by the members of the Health Super Fund and may affect the return to your account. If you would like more information about these fees, contact Health Super on 1800 33 17 19. 

your balance 

CLOSING balance 03/08/2006 

$2,266.53 

Member Number:

date of birth:

eligible service date (for tax): 

9783679 08/04/1973 08/11/2004 

Compulsory Contributions Tax (15%) 

Compulsory Surcharge Tax 

insurance premiums 

Death and/or permanent disablement 

Income protection 

amounts withdrawn 

Amounts withdrawn 

Surcharge figures may relate to more than one financial year and are provided to us by the Australian Taxation Office. 

3

Surcharge does not apply to superannuation contributions made after 1 July 2005. 

This forms part of your exit periodic statement. 

$2,250.14 

preservation components of your benefit 

• ▪  compulsory preserved amount $2,266.53
  
  

• ▪  restricted non-preserved amount $0.00
  
  

• ▪  unrestricted non-preserved amount $0.00
  how has your investment performed
  As at your exit date of 03/08/2006 your superannuation was invested in LONG-TERM GROWTH a HIGH RISK /HIGH GROWTH option.
  
  

The table below details your Member Investment Choice option(s) investment returns) that your superannuation has been invested in, 01/07/2006. 

(and the respective month-by-month, since 

% 

2.41% 0.86% 3.21% 0.96% 

-2.71% 0.92% 

option(s) % 

option(s) 

Jan Long-Term Growth Feb Long-Term Growth Mar Long-Term Growth Apr Long-Term Growth May Long-Term Growth June Long-Term Growth 

July Long-Term Growth Aug Long-Term Growth Sept Long-Term Growth Oct Long-Term Growth Nov Long-Term Growth Dec Long-Term Growth 

how much were you insured for? 

2.40% 1.44% 2.71% 

-1.28% 2.94% 2.20% 

The boxes below give details of your insurance cover in the last 60 days prior to leaving Health Super on 03/08/2006. Your insurance ceased on 03/08/2006 and you do not have the option to continue this insurance cover with Health Super. For more information, read our Product Disclosure Statement available at www.healthsuper.com.au. If your entitlements include defined benefits then, please refer to your defined benefit statement and explanatory notes. 

or 

if you become permanently disabled 

currently eligible: No

your cover immediately prior to 

leaving Health Super

unit/s (cover): 0 unit(s) ($0.00 total) 

amount*: $2,266.53lumpsum ($0.00 + $2,266.53) 

* if applicable this amount may include defined benefit entitlements. 

if you die 

currently eligible: No

your cover immediately prior to 

leaving Health Super

unit/s (cover): 0 unit(s) ($0.00) 

amount*: $2,266.53 lump sum ($0.00 + $2,266.53) 

* if applicable this amount may include defined benefit entitlements. 

if you become temporarily disabled 

This is known as income protection. 

currently eligible: No

your cover immediately prior to 

leaving Health Super 

no. of units: 0

amount*: $0.00 per month for up to 2 

years 

* if applicable this amount may include defined benefit entitlements. 

This forms part of your exit periodic statement. 

your transactions 

deposits into your account

date transaction type source 

Investment earnings

03/08/2006 InvestmentEarnings(3) 

This forms part of your exit periodic statement. 

gross 

$23.41 

tax net 

$23.41 

your transactions 

deductions from your account date transaction type 

Fees

01/07/2006 ManagementCosts 03/08/2006 ManagementCosts SUBTOTAL

TOTAL 

source 

AccountKeepingFee AccountKeepingFee 

gross 

-$75.40 $68.38 -$7.02 $16.39 

tax 

$0.00 $0.00 $0.00 $0.00 

net 

-$75.40 $68.38 -$7.02 $16.39 

This forms part of your exit periodic statement. 

Other management costs $ 1.38(4) Total Fees $ 8.40 (5) 

The total fees you paid includes fees deducted directly from your account (see transaction listing above), excluding any relevant insurance premiums, and approximately $ 1.38 of "other management costs" that have been deducted from your investment earnings before they were applied to your account. Where any management costs or expenses are tax deductible the benefit of any deduction is passed onto members through the declared investment returns for each option. Therefore the actual costs charged are net of the tax deduction. 

This forms part of your periodic exit statement. 

your contributions after this payment 

Any contributions received for your account prior to you leaving Health Super have been paid to you. As such, there are no outstanding contributions. 

your insurance continuation option 

All your insurance cover ceased on the date you exited Health Super. No continuation option is available. 

disclaimer 

These entitlements are based on information currently available about you as at the date of this Statement. Health Super has made every effort to ensure the accuracy of this Statement but cannot accept liability for acts or omissions based on its content. Health Super reserves the right to correct any error or omission. This Statement is subject to the Health Super Trust Deed, any applicable insurance policy and government legislation. Please advise Health Super should any of your personal details appear incorrect. This statement contains general advice. Before acting on such advice, consider your own personal circumstances and Health Super’s Product Disclosure Statement or seek appropriately qualified advice. Investment returns fluctuate & past performance is no guarantee of similar future returns. The benefits described are not guaranteed. 

HEALTH SUPER PTY LTD | ABN 97 084 162 489 | AFSL No. 246492|RSE Licence No. L0000482 

This forms part of your exit periodic statement. 

3 August 2006 

Mr Richard Mclean 7 Eighth Street EILDON VIC 3713 

Dear Mr Mclean 

Health Super Member Number: 9783679 

In accordance with your instructions for the payment of your superannuation benefit, we enclose the following: 

an Australian Tax Office ETP Payment Summary and cheque payable to MR R W MCLEAN for $1,779.53 

To assist you in understanding how your benefit has been calculated, we have also enclosed your Health Super statement as at 03/08/2006. 

You should read your Health Super Statement and this letter together as they constitute your exit periodic statement as required by the Corporations Act. 

If you have any further queries, please do not hesitate to contact our Customer Relations Team on 1800 33 17 19. 

Yours sincerely 

Brett Gibbons

Customer Relations Manager 

Tax File Number received ✓ email received ✓ beneficiaries provided  

your 

Section 1Health Super statement 

Mr Richard McLean 7 Eighth Street EILDON VIC 3713 

<Scheme> 

OPENING balance 01/07/2006 

account type: 

Shelter 

what’s been put in? 

from 01/07/2006- 03/08/2006 

what your employer(s) paid in 

Superannuation Guarantee (SG) 

Additional employer contributions 

what you’ve paid in 

Combine or amounts transferred in 

Your personal contributions 

what the Government has paid in 

Government Co-Contributions (net) 

investment earnings (net) 

From your investment choice(s) 

$0.00 

$0.00 $0.001 

$0.00 

$0.00 

$23.412 

what’s been taken out? 

from 01/07/2006 - 03/08/2006 

Health Super fees 

Administration fee 

Government taxes 

$7.02 

$0.00 

$0.003 

$0.00 

$0.00 

$0.00 

1 

2 

This may include a benefit transferred in from another section of the Health Super Fund or from an external fund. If part of this amount represents a transfer of a defined benefit amount, then please refer to your Health Super defined benefit statement and explanatory notes for further information. 

Investment and asset fees have been deducted from Health Super's investment returns before these returns are credited to your account at the end of the reporting period. These fees are for services provided by professional investment managers of the Health Super Fund, including investment manager fees and costs associated with the purchase, sale and administration of investments. There may also be a fee to cover the general cost of administration. These deductions are borne indirectly by the members of the Health Super Fund and may affect the return to your account. If you would like more information about these fees, contact Health Super on 1800 33 17 19. 

your balance 

CLOSING balance 03/08/2006 

$2,266.53 

Member Number:

date of birth:

eligible service date (for tax): 

9783679 08/04/1973 08/11/2004 

Compulsory Contributions Tax (15%) 

Compulsory Surcharge Tax 

insurance premiums 

Death and/or permanent disablement 

Income protection 

amounts withdrawn 

Amounts withdrawn 

Surcharge figures may relate to more than one financial year and are provided to us by the Australian Taxation Office. 

3

Surcharge does not apply to superannuation contributions made after 1 July 2005. 

This forms part of your exit periodic statement. 

$2,250.14 

preservation components of your benefit 

• ▪  compulsory preserved amount $2,266.53
  
  

• ▪  restricted non-preserved amount $0.00
  
  

• ▪  unrestricted non-preserved amount $0.00
  how has your investment performed
  As at your exit date of 03/08/2006 your superannuation was invested in LONG-TERM GROWTH a HIGH RISK /HIGH GROWTH option.
  
  

The table below details your Member Investment Choice option(s) investment returns) that your superannuation has been invested in, 01/07/2006. 

(and the respective month-by-month, since 

% 

2.41% 0.86% 3.21% 0.96% 

-2.71% 0.92% 

option(s) % 

option(s) 

Jan Long-Term Growth Feb Long-Term Growth Mar Long-Term Growth Apr Long-Term Growth May Long-Term Growth June Long-Term Growth 

July Long-Term Growth Aug Long-Term Growth Sept Long-Term Growth Oct Long-Term Growth Nov Long-Term Growth Dec Long-Term Growth 

how much were you insured for? 

2.40% 1.44% 2.71% 

-1.28% 2.94% 2.20% 

The boxes below give details of your insurance cover in the last 60 days prior to leaving Health Super on 03/08/2006. Your insurance ceased on 03/08/2006 and you do not have the option to continue this insurance cover with Health Super. For more information, read our Product Disclosure Statement available at www.healthsuper.com.au. If your entitlements include defined benefits then, please refer to your defined benefit statement and explanatory notes. 

or 

if you become permanently disabled 

currently eligible: No

your cover immediately prior to 

leaving Health Super

unit/s (cover): 0 unit(s) ($0.00 total) 

amount*: $2,266.53lumpsum ($0.00 + $2,266.53) 

* if applicable this amount may include defined benefit entitlements. 

if you die 

currently eligible: No

your cover immediately prior to 

leaving Health Super

unit/s (cover): 0 unit(s) ($0.00) 

amount*: $2,266.53 lump sum ($0.00 + $2,266.53) 

* if applicable this amount may include defined benefit entitlements. 

if you become temporarily disabled 

This is known as income protection. 

currently eligible: No

your cover immediately prior to 

leaving Health Super 

no. of units: 0

amount*: $0.00 per month for up to 2 

years 

* if applicable this amount may include defined benefit entitlements. 

This forms part of your exit periodic statement. 

your transactions 

deposits into your account

date transaction type source 

Investment earnings

03/08/2006 InvestmentEarnings(3) 

This forms part of your exit periodic statement. 

gross 

$23.41 

tax net 

$23.41 

your transactions 

deductions from your account date transaction type 

Fees

01/07/2006 ManagementCosts 03/08/2006 ManagementCosts SUBTOTAL

TOTAL 

source 

AccountKeepingFee AccountKeepingFee 

gross 

-$75.40 $68.38 -$7.02 $16.39 

tax 

$0.00 $0.00 $0.00 $0.00 

net 

-$75.40 $68.38 -$7.02 $16.39 

This forms part of your exit periodic statement. 

Other management costs $ 1.38(4) Total Fees $ 8.40 (5) 

The total fees you paid includes fees deducted directly from your account (see transaction listing above), excluding any relevant insurance premiums, and approximately $ 1.38 of "other management costs" that have been deducted from your investment earnings before they were applied to your account. Where any management costs or expenses are tax deductible the benefit of any deduction is passed onto members through the declared investment returns for each option. Therefore the actual costs charged are net of the tax deduction. 

This forms part of your periodic exit statement. 

your contributions after this payment 

Any contributions received for your account prior to you leaving Health Super have been paid to you. As such, there are no outstanding contributions. 

your insurance continuation option 

All your insurance cover ceased on the date you exited Health Super. No continuation option is available. 

disclaimer 

These entitlements are based on information currently available about you as at the date of this Statement. Health Super has made every effort to ensure the accuracy of this Statement but cannot accept liability for acts or omissions based on its content. Health Super reserves the right to correct any error or omission. This Statement is subject to the Health Super Trust Deed, any applicable insurance policy and government legislation. Please advise Health Super should any of your personal details appear incorrect. This statement contains general advice. Before acting on such advice, consider your own personal circumstances and Health Super’s Product Disclosure Statement or seek appropriately qualified advice. Investment returns fluctuate & past performance is no guarantee of similar future returns. The benefits described are not guaranteed. 

HEALTH SUPER PTY LTD | ABN 97 084 162 489 | AFSL No. 246492|RSE Licence No. L0000482 

This forms part of your exit periodic statement. 

Evidence of exit statement in 2006 - payout of one unit of $83000 but I was insured for eight (8) 

Evidence my fees reflected eight units of cover at $1.05 per unit. 

Payment summary on 29/02/2008 TPD payout. 

The bank cheque for $72810 that was deposited in 2008 for one unit but I was insured for eight.  

3 August 2006 

Mr Richard Mclean 7 Eighth Street EILDON VIC 3713 

Dear Mr Mclean 

Health Super Member Number: 9783679 

In accordance with your instructions for the payment of your superannuation benefit, we enclose the following: 

an Australian Tax Office ETP Payment Summary and cheque payable to MR R W MCLEAN for $1,779.53 

To assist you in understanding how your benefit has been calculated, we have also enclosed your Health Super statement as at 03/08/2006. 

You should read your Health Super Statement and this letter together as they constitute your exit periodic statement as required by the Corporations Act. 

If you have any further queries, please do not hesitate to contact our Customer Relations Team on 1800 33 17 19. 

Yours sincerely 

Brett Gibbons

Customer Relations Manager 

Tax File Number received ✓ email received ✓ beneficiaries provided  

your 

Section 1Health Super statement 

Mr Richard McLean 7 Eighth Street EILDON VIC 3713 

<Scheme> 

OPENING balance 01/07/2006 

account type: 

Shelter 

what’s been put in? 

from 01/07/2006- 03/08/2006 

what your employer(s) paid in 

Superannuation Guarantee (SG) 

Additional employer contributions 

what you’ve paid in 

Combine or amounts transferred in 

Your personal contributions 

what the Government has paid in 

Government Co-Contributions (net) 

investment earnings (net) 

From your investment choice(s) 

$0.00 

$0.00 $0.001 

$0.00 

$0.00 

$23.412 

what’s been taken out? 

from 01/07/2006 - 03/08/2006 

Health Super fees 

Administration fee 

Government taxes 

$7.02 

$0.00 

$0.003 

$0.00 

$0.00 

$0.00 

1 

2 

This may include a benefit transferred in from another section of the Health Super Fund or from an external fund. If part of this amount represents a transfer of a defined benefit amount, then please refer to your Health Super defined benefit statement and explanatory notes for further information. 

Investment and asset fees have been deducted from Health Super's investment returns before these returns are credited to your account at the end of the reporting period. These fees are for services provided by professional investment managers of the Health Super Fund, including investment manager fees and costs associated with the purchase, sale and administration of investments. There may also be a fee to cover the general cost of administration. These deductions are borne indirectly by the members of the Health Super Fund and may affect the return to your account. If you would like more information about these fees, contact Health Super on 1800 33 17 19. 

your balance 

CLOSING balance 03/08/2006 

$2,266.53 

Member Number:

date of birth:

eligible service date (for tax): 

9783679 08/04/1973 08/11/2004 

Compulsory Contributions Tax (15%) 

Compulsory Surcharge Tax 

insurance premiums 

Death and/or permanent disablement 

Income protection 

amounts withdrawn 

Amounts withdrawn 

Surcharge figures may relate to more than one financial year and are provided to us by the Australian Taxation Office. 

3

Surcharge does not apply to superannuation contributions made after 1 July 2005. 

This forms part of your exit periodic statement. 

$2,250.14 

preservation components of your benefit 

• ▪  compulsory preserved amount $2,266.53
  
  

• ▪  restricted non-preserved amount $0.00
  
  

• ▪  unrestricted non-preserved amount $0.00
  how has your investment performed
  As at your exit date of 03/08/2006 your superannuation was invested in LONG-TERM GROWTH a HIGH RISK /HIGH GROWTH option.
  
  

The table below details your Member Investment Choice option(s) investment returns) that your superannuation has been invested in, 01/07/2006. 

(and the respective month-by-month, since 

% 

2.41% 0.86% 3.21% 0.96% 

-2.71% 0.92% 

option(s) % 

option(s) 

Jan Long-Term Growth Feb Long-Term Growth Mar Long-Term Growth Apr Long-Term Growth May Long-Term Growth June Long-Term Growth 

July Long-Term Growth Aug Long-Term Growth Sept Long-Term Growth Oct Long-Term Growth Nov Long-Term Growth Dec Long-Term Growth 

how much were you insured for? 

2.40% 1.44% 2.71% 

-1.28% 2.94% 2.20% 

The boxes below give details of your insurance cover in the last 60 days prior to leaving Health Super on 03/08/2006. Your insurance ceased on 03/08/2006 and you do not have the option to continue this insurance cover with Health Super. For more information, read our Product Disclosure Statement available at www.healthsuper.com.au. If your entitlements include defined benefits then, please refer to your defined benefit statement and explanatory notes. 

or 

if you become permanently disabled 

currently eligible: No

your cover immediately prior to 

leaving Health Super

unit/s (cover): 0 unit(s) ($0.00 total) 

amount*: $2,266.53lumpsum ($0.00 + $2,266.53) 

* if applicable this amount may include defined benefit entitlements. 

if you die 

currently eligible: No

your cover immediately prior to 

leaving Health Super

unit/s (cover): 0 unit(s) ($0.00) 

amount*: $2,266.53 lump sum ($0.00 + $2,266.53) 

* if applicable this amount may include defined benefit entitlements. 

if you become temporarily disabled 

This is known as income protection. 

currently eligible: No

your cover immediately prior to 

leaving Health Super 

no. of units: 0

amount*: $0.00 per month for up to 2 

years 

* if applicable this amount may include defined benefit entitlements. 

This forms part of your exit periodic statement. 

your transactions 

deposits into your account

date transaction type source 

Investment earnings

03/08/2006 InvestmentEarnings(3) 

This forms part of your exit periodic statement. 

gross 

$23.41 

tax net 

$23.41 

your transactions 

deductions from your account date transaction type 

Fees

01/07/2006 ManagementCosts 03/08/2006 ManagementCosts SUBTOTAL

TOTAL 

source 

AccountKeepingFee AccountKeepingFee 

gross 

-$75.40 $68.38 -$7.02 $16.39 

tax 

$0.00 $0.00 $0.00 $0.00 

net 

-$75.40 $68.38 -$7.02 $16.39 

This forms part of your exit periodic statement. 

Other management costs $ 1.38(4) Total Fees $ 8.40 (5) 

The total fees you paid includes fees deducted directly from your account (see transaction listing above), excluding any relevant insurance premiums, and approximately $ 1.38 of "other management costs" that have been deducted from your investment earnings before they were applied to your account. Where any management costs or expenses are tax deductible the benefit of any deduction is passed onto members through the declared investment returns for each option. Therefore the actual costs charged are net of the tax deduction. 

This forms part of your periodic exit statement. 

your contributions after this payment 

Any contributions received for your account prior to you leaving Health Super have been paid to you. As such, there are no outstanding contributions. 

your insurance continuation option 

All your insurance cover ceased on the date you exited Health Super. No continuation option is available. 

disclaimer 

These entitlements are based on information currently available about you as at the date of this Statement. Health Super has made every effort to ensure the accuracy of this Statement but cannot accept liability for acts or omissions based on its content. Health Super reserves the right to correct any error or omission. This Statement is subject to the Health Super Trust Deed, any applicable insurance policy and government legislation. Please advise Health Super should any of your personal details appear incorrect. This statement contains general advice. Before acting on such advice, consider your own personal circumstances and Health Super’s Product Disclosure Statement or seek appropriately qualified advice. Investment returns fluctuate & past performance is no guarantee of similar future returns. The benefits described are not guaranteed. 

HEALTH SUPER PTY LTD | ABN 97 084 162 489 | AFSL No. 246492|RSE Licence No. L0000482 

This forms part of your exit periodic statement. 

My management costs at two different times - compare the fees I paid

Management costs $120.15 and fees of $134.98

Sheena Jack refuses to communicate with me anymore after ruling that I will not be paid income assist and she affirms I will be blocked from the organisation and also rejects giving me ‘the investigation’ and that I have no lawyer as in opposition to human rights charter for people with a disability

From: Harriet Wilkinson-Bibicos hwilkinsonbibicos@hcf.com.au Subject: FW: Response required, Thanks from Dr Rich McLean 

Date: 7 June 2022 at 12:52 pm

To: drrichmcleanwhistleblower@gmail.com 

Dear Dr McLean,

I am resending this as I noticed your second email address is spelt incorrectly. Kind regards,

Harriet 

Harriet Wilkinson-Bibicos 

Executive Assistant to the CEO and Managing Director 

Level 8, 403 George Street Sydney NSW 2000 

M 0431 834 327

E hwilkinsonbibicos@hcf.com.au 

hcf.com.au 

From: Sheena Jack

Sent: Tuesday, 7 June 2022 10:27 AM

To: richarddrawsstuff@gmail.com; drrichmcleanwhistlenlower@gmail.com Subject: RE: Response required, Thanks from Dr Rich McLean 

Dear Dr McLean,

I refer to your letter and email to me, both dated 2 June 2022. 

I can confirm that a full investigation has been undertaken and this has reconfirmed our position. 

HCF Life strongly rejects the allegations set out in your letter and maintains its position that your claim under your Income Assist policy was correctly declined. 

I understand that this decision is not the answer you wanted, but our decision is final and therefore we can no longer correspond with you on this matter. 

Yours sincerely, Sheena Jack 

From: Rich McLean <

Sent: Thursday, 2 June 2022 10:35 AM

To: LifeClaims <LifeClaims@hcf.com.au>

Cc: Richard McLean <richarddrawsstuff@gmail.com> Subject: Response required, Thanks from Dr Rich McLean 

CAUTION: This email originated from outside of the organisation. Do not click links or open attachments unless you recognise the sender and know the content is safe. 

ATT: Sheena jack 

A response is required by 3pm tomorrow afternoon. 

This is not extortion. 

It is a forgiving opportunity that will guarantee you personally, a liberation from prosecution in the high court of Australia. 

I hope you are well. 

Indeed, it is almost unfathomable the extent to which this systemic oppression has vindicated and vilified me. 

Bit like a James Bond film!

I look forward to your response. 

Hopefully we can move forward in the atonement and forgiveness of your role in the conspiracy to manslaughter, and your exoneration of all responsibility that is your part in the movement, I’m not entirely sure that you were aware of. 

Kind Regards, 

Dr Mclean 

drrichmcleanwhistlenlower@gmail.com 

Or 

richarddrawsstuff@gmail.com 

NBL The conversation with Scott Niven may be used as evidence as well as this email. 

02.05.2022.she ena.jac...ess.pdf 

02.05.2022.she ena.jac...ess.pdf AIA refuse to acknowledge the TPD claim of eight units-they know I have no lawyer and I am banned at AFCA

Dr Richard McLean

Emailed to: richarddrawsstuff@gmail.com 

Dear Mr McLean 

4 May 2022 

Claim Number: 25125

Fund: Health Super Pty Ltd

Policy number: MP9875

Re: Your complaint regarding the Total and Permanent Disablement (TPD) benefit amount 

We were informed on 26 April 2022 of your complaint regarding the benefit amount paid for your TPD claim. 

In this letter, we’ve set out our understanding of the complaint, how we’ve investigated your concerns, and the outcome. 

If you’re not completely satisfied with our response, you’re entitled to lodge an additional external complaint with the Australian Financial Complaints Authority (AFCA). AFCA’s details are at the bottom of this letter. 

The issues you raised 

In the complaint dated 26 April 2022, you raised the following issue: 

You are of the view that AIA has incorrectly paid your TPD benefit. Specifically, you have noted that AIA paid one unit of TPD cover in the amount of $83,100.00 and consider you were entitled to three units of TPD cover. 

Accordingly, you are seeking payment of an additional two units of TPD cover. 

Our response 

We acknowledge your position that AIA has incorrectly paid your TPD benefit. We have investigated your concern and provide our findings below: 

On 21 March 2007, AIA received your claim for a TPD benefit for the medical condition of schizophrenia which was first diagnosed in approximately 1993. An initial assessment of the claim was undertaken on 26 March 2007 and at this time AIA established your date last worked as 2 December 2015. 

As part of the assessment process, AIA sought confirmation of your insurance cover from Health Super (the Fund). On 4 April 2007, the Fund confirmed the following: 

You joined the Fund on 8 November 2004.

You were a member of Division B2 as you joined the Fund after the Policy 

commencement date of 1 July 2004.

You were automatically insured for one unit of Death and TPD insurance cover. 

As of 2 December 2015, the applicable sum insured for your TPD claim was $83,100.00. 

In addition, the Group Life (Death & Total and Permanent Disablement) Insurance Policy No. MP 9875 (the Policy) details the insurance cover provided to new members of Division B2 as follows: 

New Members: Division B2 

1. Automatic cover 

- Members of Division B2 joining the Fund on or after the Policy Commencement Date (“new members”) will be automatically insured for 1 unit of Death and TPD cover. 

2. Additional cover: new members working over 20 hours per week 

- New members of Division B2 who are gainfully employed for 20 hours or more per week averaged over 3 consecutive months may apply to the Company for additional units (in addition to the automatic cover above) as follows: 

a. if aged 59 years or under: 

1. Death & TPD cover to a maximum sum insured of $5 million for Death and $2 million for TPD; or,
   
   

2. Death only cover to a maximum sum insured of $5 million; or...
   
   

b. if aged between 60 and 69 years: Death only cover to a maximum sum insured of $5 million. 

Whilst we acknowledge that the Policy provides opportunity for you to obtain additional units of cover, our records do not indicate that you made an application or had an application approved for additional TPD cover prior to your date last worked of 2 December 2005. 

In this regard, we confirm that as of 2 December 2005 you were a new member of Division B2 and held one unit of Death and TPD insurance cover. Accordingly, we maintain the view that AIA has made payment of the correct sum insured amount of $83,100.00 on 19 December 2007. 

We understand you may find this outcome disappointing and in the event you have evidence that additional units of TPD cover were approved and provided to you, we encourage you to send this information to us so we can reconsider our position. 

If you need more information 

You may request a copy of any documents and information we’ve relied on in investigating your complaint. Let us know, and we’ll respond to your request within ten business days. 

If for some reason we can’t provide the information, we’ll let you know in writing within ten business days and provide an explanation. We’ll also let you know what you can do if you disagree. 

2 

Your right to lodge an external complaint 

If you are not satisfied with our final response, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA): 

Online: www.afca.org.au

Email: info@afca.org.au

Phone: 1800 931 678

Mail: Australian Financial Complaints Authority GPO Box 3 

Melbourne VIC 3001 

Time limits may apply to complain to the AFCA and so you should act promptly. To find out more about any time limits you can refer to the AFCA websites noted above. 

If you have any questions, please contact us at your earliest convenience by emailing au.customerresolutions@aia.com. 

Kind Regards, 

M Clark 

Michael Clark

Senior Customer Resolution Specialist AIA Australia 

3 

Hang on Michael…don’t you know I am banned at AFCA?The coin forge take money out of my account and then refuse to pay me $50000 that I won. Bendigo bank refund the fraudulent transactions of about $8000 but $19500 remain. Some was refunded - but not all. How is this possible? They too know I am banned at AFCA

From: Rich McLean rich@richmclean.com.au Subject: Fwd: Your Casino Account 

Date: 17 September 2020 at 3:17 pm

To: seddonmailbox@bendigoadelaide.com.au 

Cc: Rich McLean rich@richmclean.com.au 

FYI

This has happened on numerous occasions - whereby I deposit, it does not go there and they say it is the banks problem. Am I able to re-claim all of my deposits to the coin forge please? It is about $5000

I can come in and sign.

Please let me know next steps.

Thanks 

Rich McLean: 

• ▪  Doctor of Philosophy Research Student,
  
  

• ▪  Victoria University, Melbourne.
  
  

• ▪  PH : (+61) 0400 639 248
  
  

• ▪  rich@richmclean.com.au
  NDIS Provider, Arts-Life-Coach, Artist, Illustrator, Author, PhD Researcher, Advocate/ Public Speaker. www.richmclean.com.au
  I acknowledge the Indigenous people as the Traditional Custodians of the lands where we live, learn and work.
  Begin forwarded message:
  From: Rich McLean <rich@richmclean.com.au> Subject: Re: Your Casino Account
  Date: 17 September 2020 at 2:50:35 pm AEST To: Support <support@wagerbeat.com>
  Is the coin forge you?
  If so it has come out of my account Please deposit it immediately
  Rich McLean
  Registered NDIS Provider | Arts-Life-Coach | Artist | PhD Researcher | Victoria University
  Discover my art & work @ www.richmclean.com.au
  Call me on +61 400639248
  Email me at rich@richmclean.com.au
  I acknowledge the Indigenous people as the traditional custodians of the land where we live, learn & work.
  This email sent from my iPhone
  On 17 Sep 2020, at 2:49 pm, Rich McLean <rich@richmclean.com.au> wrote: It WAS successful
  It came out of my account
  I demand you refund me the money
  
  

I demand you refund me the money <image0.png> 

Rich McLean

Registered NDIS Provider | Arts-Life-Coach | Artist | PhD Researcher | Victoria University

Discover my art & work @ www.richmclean.com.au

Call me on +61 400639248

Email me at rich@richmclean.com.au 

I acknowledge the Indigenous people as the traditional custodians of the land where we live, learn & work. 

This email sent from my iPhone 

On 17 Sep 2020, at 2:34 pm, Support <support@wagerbeat.com> wrote: 

##- Please type your reply above this line -## 

Customer Support Team (_) 

Sep 17, 2020, 4:33 AM UTC 

Hello Richard,

We hope this email finds you well. 

We have checked the transaction made on 2020-09-16 23:23:56 GMT for a deposit of 70.00 AUD and it shows that it was not successful.. 

We would suggest to contact the bank regarding this matter so they can further check this for you. 

Please do not hesitate to contact us should you have a different concern, we're just here 24/7. 

Best Regards,

Customer Support Team

* Please visit us and bookmark our new address to keep enjoying our great games: bit.ly/WABISP 

[XZVXPY-GG4D] 

I am rejected some of my FOI from mercy health covering up the suicide and my treatment and it still is today

I read from another whistleblower how ‘DARVO’ is deployed blaming the victim. I am further rejected from the Victims of Crime Commissioner 

 Thats weird I just maybe imagined I won $40000 and Bendigo bank refused to investigate it. SUPERANNUATION WAS SUPPOSED TO BE PAID FOR A PERSON WORKING FOR THE NDIS by CSC  

My certificate of service from NWAMHS - ‘workcover’ is under my ‘membership number’ but I never received workcover in 2004 just like now in 2021, 22 and 23. THIS IS MY EMPLOYEE DETAILS ON THE AUSTRALIAN GOVERNMENT WEBSITE. My current workcover is rejected because I am not an ‘employee’ for the purpose of the SRC act. Rubbish it clearly states on the ndis commission website a worker can be a sole trader contractor or volunteer. A

Thats a shame Work safe banned me. I could have used their help. The old boss at worksafe Victoria was the same person that rejected my claim later on at Comcare. Thats called corruption. I was only legislated to work within Victoria so my claim is not a comcare issue it is with work safe.

1 Malop Street Geelong VIC 3220

PO Box 279 Geelong VIC 3220

Telephone 1800 136 089 Fax 03 4243 9321 www.worksafe.vic.gov.au 

4 August 20220 

Richard McLean

2 McCubbin Street Footscray VIC 3011 

Dear Mr McLean,

I am writing about your complaint concerns regarding lodging a WorkCover claim. 

I have listened to the recording of the telephone call you made to this office on 1 August 2022. On the recording, you can be heard making abusive and insulting comments to our Advisor who took your call, despite being asked on a number of occasions to stop. WorkSafe takes such behaviour seriously, we have a zero tolerance approach of abuse, threats, intimidation or harassment of our staff. WorkSafe advises that your behaviour poses an unacceptable risk to the safety and wellbeing of our staff and organisation. 

We expect our officers to treat you with courtesy and respect. We expect this courtesy to be returned. 

I can hear on the recording that you are frustrated with the actions and the time our office needs to consider your complaint. However, if you continue to speak to our officers in this way, we may have to limit your contact with us to email contact in future. 

I have spoken with the advisor handling your case. He is currently making enquiries about your complaint and will contact you when he has more information. 

Yours sincerely 

Luke 

Manager

Centralised Complaints Team WorkSafe Victoria 

AFCA HAD ONLY FOUR WEEKS TO MAKE A DETERMINATION FOR A MARGINALISED PERSON MINE TOOK OVER A YEAR AND A HALF - I threatened to call them out on it - so they banned me. What democratic citizen gets his rights withheld costing millions from a government statutory agency designed to assist with money issues? Thats weird I can’t seem to send a crime report to police.

 3-6 weeks for an outcome, but mine took over a year and a half

Police have looked up Steve iasonidis and know hes my former partner - here footscray police refuse to act.

Tim Gos of afca absolutely is guilty of conspiracy to pervert the course of justice. Here he is with an immense amount of audacity that he is untouchable… and he denies me my overdue settlements.

The moment  that Liz Lindsberg from AHRC drops the $1.5 million dollar bomb on me that the ‘impartial’ dispute that was scheduled at AHRC was now cancelled and that TAL - the insurer have said they wont attend. In time I could have used that TPD and income assist with my brain detriment. I sent this to finance minister Birmingham at finance.gov.au for the CDDC scheme and was rejected.

I call Footscray Cops for the purpose of reporting the conspiracy and my injustice and give them a serve

Melbourne Health CERTIFICATE OF SERVICE THE HEALTH SUPER WELCOME PACK STATES YOU CAN DESIGN YOUR OWN SIUPER I CHOSE EIGHT UNIUTS OF COVER

welcome 

to the super fund that secures your lifestyle

product disclosure statement 

Prepared 31 May 2004 

call click post 

1800 33 17 19 www.healthsuper.com.au 697 Burke Road (Locked Bag 27) 

Camberwell VIC 3124 

Health Super Pty Ltd ABN 97 084 162 489 AFS Licence No. 246492

remember super is a long-term investment 

If you leave Health Super within a few years of joining, it is possible you may get back less than the amount of contributions paid because of the investment returns earned and fees deducted. It pays to think long-term, and to look at your investment choice (see pages 22 and 23). 

need to know more? 

Securing your lifestyle 

contents 

about 

about Health Super

your account type

your new account features preservation

leaving your job 

what gets put into your account? 

salary sacrifice

personal contributions combining your super returns by investment choice 

what gets taken out of your account? 

Health Super fees

Government taxes

death and disablement premiums income protection premiums 

contact 

complaints privacy policy 

inside back inside back 

2-3 4-5 6-7 8-9 

10 

12-13 14-15 16-17 22-23 

32-33 34-35 42-43 44-45 

cover cover 

Have a read of the section on your account. If you have any further questions about Health Super, please contact us (see our contact details on the back of this booklet). 

When asking for further information, Health Super will provide all the information required to assist you in making an informed assessment about the investment performance, management and financial condition of the Fund. 

listening to you 

We aim to provide you with the highest quality products and services. See page 57 to see how we handle your enquiries and complaints, and resolve disputes. 

about your new super account 

Product Disclosure Statement for Health Super 

This booklet was prepared on the 31 May 2004 as the Product Disclosure Statement for Health Super. It sets out all the main features of Health Super. The date you join is provided to us by your employer. We are required to give you this Product Disclosure Statement within 3 months of you joining the Fund. 

Health Super is dedicated to the Health and Community Services Industry. Many of the terms used in this document are explained on page 55-56, and some general information on the Fund is included on page 4. 

choosing a fund 

This booklet provides important information about the features, costs and risks of investing your super with Health Super. If you have a choice about whether to choose Health Super or not, this booklet will help you compare the features of Health Super to other superannuation funds. 

You should read this document before you make a decision to use Health Super as a superannuation fund. As we are not a public offer fund, there is no cooling off period available to you. 

the benefits and risks of your super 

Health Super allows you to save for your retirement in a low-cost, tax effective environment in a way that suits you personally. It also lets you choose investment strategies that best suit your needs and attitude towards risk. 

how to get more information 

If you want more information, simply contact Health Super (details on the back page). If you need information about the Trustee, or Health Super, please contact us. 

updating information 

This Product Disclosure Statement sets out the main features of your Health Super product as at the date of its preparation. Information about your product is subject to change from time to time. If any changes to your product occur after this brochure is published, and those changes are not materially adverse, the updated information will be available at any time on our website at www.healthsuper.com.au. A paper copy of any updated information will be provided without charge on request by contacting us on 1800 33 17 19. If the changes are materially adverse, we will produce a new or supplementary Product Disclosure Statement. 

You need to be aware that: 

• your investment may rise and fall;

• if you leave within a few years of joining, you may get back less than the amount of 

contributions paid because the level of investment returns of the Fund, the Fund’s charges, and the effect of tax. 

www. healthsuper. com. au 1 

about Health Super 

securing 

lifestyles of health workers for over 37 years 

For over 37 years, Health Super has been a leading industry superannuation fund that caters exclusively for the Australian Health and Community Services Industry. It has over 190,000 members, 1,400 employers, and $3.8 billion in assets under management. 

owned by our members 

Health Super caters to a whole range of health organisations – from hospitals to aged care facilities. Better still, as a not-for-profit industry fund we are owned by our members, so all our profits go back to members. 

a balanced Board 

Health Super is responsible for the management of investment decisions. We have a balanced Board of Directors, which means that there is an equal representation of employer and member Directors. 

To see the representatives on our Board, go to www.healthsuper.com.au 

extra services 

You have access to many extra services, many at reduced rates, through our Member Privileges providers – Australian Unity and Limon Remcon Financial Services Limited. 

✔ private health insurance – personal cover for illness, injury and hospital costs. ✔ personal insurance protection plan – incorporating term life, trauma and 

income protection insurance. 

✔ home and contents insurance – protection for your home and contents. 

✔ financial planning – get professional, tailored financial advice through Health Super Financial Planning. Health Super Financial Planning is a subsidiary of Health Super Pty Ltd. Call 1300 78 02 23 or visit www.hsfp.com.au 

Call 1800 24 77 73 to apply, buy or get a quote from Australian Unity or Limon Remcon Financial Services. 

2 Securing your lifestyle 

Health Super receives a contribution from the Member Privileges Providers towards the promotion costs of the Member Privileges Program. 

investment managers 

Health Super use a range of specialists to look after the Fund and its investments. These are known as ‘Fund Managers’ and they monitor specific types of investments such as Australian and international shares, property, alternative investments, cash, and fixed interest. For socially responsible investments, we hire different Fund Managers to monitor these investments. A list of these Managers and their websites is on page 29. 

Every year, we publish a list of our Fund Managers in our Annual Report, or you can go online to www.healthsuper.com.au 

what advice can we give you? 

about Health Super 

at a glance 

• Not-for-profit industry superannuation fund
  
  

• All investment earnings are returned to our members
  
  

• Top employers have joined: Affinity, St.Vincent’s Hospital, Hunter Area
  Health Service
  
  

• Designed for the Health and Community Services Industry (not a public offer fund)
  
  

• Friendly communication
  
  

• Suits all types of health workers – doctors, nurses, administrators and caterers
  
  

• Over 190,000 members and 1,400 registered employers
  
  

• We have over 37 years experience
  
  

• See your account online
  
  

• Delivers competitive returns over the long-term
  
  

✖ personal financial advice Health Super is unable to 

provide personal financial advice. 

If you want specific advice about your financial needs and objectives you will need to contact Health Super Financial Planning on 1300 78 02 23 because they are licensed to provide personal advice as a financial services licensee for a fee.Your employer must not give you advice about this Fund or recommend any other financial product unless licensed to do so. 

Health Super Financial Planning is a subsidiary of Health Super Pty Ltd. 

✓ general advice Health Super Pty Ltd, the 

Trustee of Health Super, is licensed to give general advice about the Fund’s features. 

www. healthsuper. com. au 3 

did you know? 

To see our latest monthly returns, go to our website, www. healthsuper. com. au 

your account type 

IMPORTANT: 

If you move jobs, this is likely to affect your insurance cover. 

See page 36 

You will join Health Super ‘Scheme’ when you or your employer elected Health Super as your super fund. For many people, this is automatic. An account is set up in your name from the date provided to us by your employer. 

started/resumed working in the Health Care Industry? here’s what happens when you join 

wait 

for your details

open 

a ‘Scheme’ account

invest 

in a default option

insure 

you

We rely on your employer to send their payroll to us. This is where we find out you have become a new member of Health Super, and why it may take some time to hear from us. This can vary from 4 weeks to 4 months.

If you start working in the health care industry with an employer who is registered with Health Super, you will be allocated a Health Super ‘Scheme’ account. This is an account where your employer contributes 9% of your salary each year. 

This is known as Superannuation Guarantee (SG).

We will invest your super into an investment choice option based on your age. You need to double-check that this is what you want us to do. 

See pages 22-23.

When you join ‘Scheme’, you receive automatic insurance. The type of insurance you can get will depend on your age and the number of hours you work. 

Find out more on page 39.

4 Securing your lifestyle 

which 

account are you in? 

how your new ‘Scheme’ account works 

To help you understand super, and how it works, here is a simple guide to your ‘Scheme’ account, and the options you have available to you. 

your account type 

what’s put into your account?

what’s taken out of your account?

what your employer(s) pays in by payroll

Superannuation Guarantee (SG) 

These are compulsory contributions your employer must pay. The amount for 2003/2004 is 9% of your salary. The 9% will continue unless changed by legislation. 

Salary sacrifice amounts from your pay (pgs 12-13)

Health Super administration fees (pgs 32-33) 

• administration fee of just $1.00 per week
  
  

• if you withdraw parts of your super
  
  

• switching fee (investment choice)
  
  

• other types of fees from your
  earnings

+

+

what you can pay in (pgs 14-17) 

your personal contributions 

This is when you top up your super, and can include contributions made by your spouse. 

combine or amounts transferred in 

This is when you roll in super from your other super account(s).

Australian Government taxes (pgs 34-35)

Compulsory Contributions Tax 

Currently at a rate of 15%. 

Compulsory Surcharge Tax 

If you earn over $94,691 for the 2003/2004 financial year, you may have to pay more tax.

+

+

interest earnings (pgs 22-23) 

Interest earned from your investment choice(s) 

These are earnings you receive on your account. They can be either positive or negative. The earnings depend on the way you’ve chosen to invest your super (known as your chosen investment choice) 

(pgs 22-23). 

insurance premiums (pgs 42-45) 

This insurance protects you for emergencies. 

The cost is taken out weekly, and depends on your age and the number of hours you work. 

$

www. healthsuper. com. au 5 

did you know? 

If you have opened a super account for your spouse, or you have a Health Super ‘Spouse’ account, your account works in exactly the same way as a ‘Scheme’ account. The only real difference is that your insurance options are quite different (see page 39), and that there are reduced tax rates on superannuation investment earnings. 

A spouse can be a wife/husband or your ’de-facto’. The Government’s current definition of ‘Spouse’ does not include a person who lives separately on a permanent basis, or a same sex partner. 

your new account features 

what 

information can you get? 

As a Health Super member, there are lots of features of your account. Here is a summary of the key features. 

click 

Go to www.healthsuper.com.au to: 

✔ register for online account access;

✔ download the latest brochures;

✔ use our interactive calculators;

✔ view your contributions for the past 3, 6 and 12 months;

✔ calculate your insurance benefits and get an account balance; ✔ check and update your personal details; 

✔ view and nominate your beneficiaries; and

✔ view and apply to change your investment choice. 

To register for online account access, call 1800 33 17 19 or go to www.healthsuper.com.au and fill out the online registration form.

ba

meet 

Your Health Super Account Manager is there for: 

• ✔  FREE workplace visits;
  
  

• ✔  personal appointments;
  
  

• ✔  group seminars specially tailored to meet the needs of you and your colleagues.
  Talk to your HR/Payroll to organise a workplace visit today.

read 

• ✔  welcome pack including your Health Super Member Number and Product Disclosure Statement.
  
  

• ✔  six-monthly newsletter Talking Super is sent to you to update you on the latest super news.
  
  

• ✔  annual report and statement to help you keep track of your account.
  
  

• ✔  information brochures on topping up, salary sacrifice, investment choice, combining your super accounts and insurance benefits.
  
  

• ✔  legal information such as the Trust Deed, Audited Reports, and Actuarial Reports.
  To get a copy of these brochures, call 1800 33 17 19 or go to www.healthsuper.com.au to download them.

6 Securing your lifestyle 

your new account features 

call 

If you need information about your account, Health Super is just a phone call away. Our knowledgeable and friendly Customer Relations Team can give you the attention and personalised service you deserve. Call 1800 33 17 19, our lines are open Monday to Friday from 8.30am to 5.00pm AEST. 

change your details 

You can notify us if you change contact or employment details. 

combine 

You can consolidate all your super accounts into one. 

personal contributions 

You can make after-tax personal or lump sum payments. 

salary sacrifice 

You can pay pre-tax payments into super. 

investment choice 

You can choose from a range of investment options to suit your needs. 

re-commence work 

If you re-commence work with a registered Health Super employer, you can consolidate your Health Super account with a new Health Super Scheme account. 

Tax File Number 

You can confidentially provide your details to us. 

death and disablement insurance* 

You can protect yourself and your family should something unfortunate happen. 

beneficiaries 

You can nominate your beneficiaries to receive your entitlements if you die. 

spouse contributions 

You can make super contributions for your spouse. 

Health Super Allocated Pension 

You can use your super to provide regular pension payments in your retirement. 

your super options 

You can make personal appointments with our Retirement Planning Consultants to find out about your options in retirement. 

account balance 

You can get estimates of your account balance. 

benefit estimates 

You can get estimates of your retirement benefits. 

early release 

You may be able to access your super on financial hardship or compassionate grounds. 

Family Law 

You can access information on benefits relating to a Health Super account in the name of your spouse or ex-spouse. This is provided your request complies with the Family Law legislation allowing splitting of superannuation accounts and not otherwise. 

Superannuation Surcharge Tax 

You can get information on the Government Surcharge from the Australian Taxation Office. 

complaints 

You can use our complaints resolution process and if dissatisfied, you can apply to the Superannuation Complaints Tribunal. You can appeal to the Tribunal. 

multilingual services 

You can obtain multilingual assistance with your super. 

* The type of insurance you can apply for will depend on your age, the super account you have, and the number of hours you work (averaged over 3 consecutive months).

IMPORTANT: 

Under the terms of our financial service licence, our Account Managers and Customer Relations Team can give you general advice, not personal financial advice. Should you require personal financial advice, call Health Super Financial Planning on 

1300 78 02 23. 

www. healthsuper. com. au 7 

preservation 

Superannuation is a long-term investment for your retirement. The Commonwealth Government has placed restrictions on when you can access most of your superannuation savings. 

two parts of your super 

There are two parts of your super: non-preserved and preserved benefits. 

your super

non-preserved 

restricted 

This is super that does not have to be kept in super until retirement.You can only access part of your account balance when certain conditions are met. 

• 1  You cease employment with a registered Health Super employer.
  
  

• 2  You cease working for a participating employer, and have had a 4 week (full or part-time) or 8 week (casual) break and will not rejoin another Health Super employer.
  
  

• 3  You do not resume employment with another registered Health Super employer within this period.
  
  

However, if you roll in ‘non- preserved’ monies (also known as ‘unrestricted non-preserved’) from another superannuation fund into the Fund, these monies are accessible at any time. 

unrestricted 

This is super that can be accessed at any time. No payment restrictions apply. These are usually your personal contributions made before 1 July 1999.You can access this super at any time.

preserved 

Preserved contributions consist of: 

• Superannuation Guarantee contributions (compulsory employer payments on your behalf);
  
  

• personal contributions made after 1 July 1999;
  
  

• Award contributions;
  
  

• salary sacrifice contributions;
  
  

• spouse contributions;
  
  

• additional employer contributions.
  You cannot withdraw your super until one of the criteria below is met.
  You: 

  • reach age 65;
    
    

  • reach age 60-64 and cease
    employment;
    
    

  • permanently retire from the
    workforce on or after age 55;
    
    

  • become permanently disabled;
    
    

  • suffer financial hardship or apply for
    release of your superannuation benefit on compassionate/specified grounds;
    
    

  • cease employment with a Health Super employer and your account balance is less than $200;
    
    

  • die.
    Any personal contributions and
    investment earnings credited to your account since 1 July 1999 are also classed as ‘preserved’ and therefore cannot be withdrawn until one of the listed criteria is met.

8 Securing your lifestyle 

when 

can you take out your super? 

do you have a spouse account? 

If you have a Health Super Spouse account, when you can access your super depends on whether or not you are employed or have never been employed. 

preservation 

never been employed 

If you are a Health Super Spouse member and you have never been gainfully employed, all contributions made and all investment earnings of the Fund, must be ‘preserved’ until you reach age 65, or die.

currently or have been employed

If you are a Health Super Spouse member who is currently or has been gainfully employed, all contributions made and all investment earnings of the Fund must be 

‘preserved’ until your preservation age (aged 55 onwards) or you die.

in severe financial trouble? 

Conditions exist for the early release of your Health Super entitlement in the event of severe financial hardship or compassionate grounds. 

A copy of our fact sheet Guidelines for the Early Release of Benefits is available at www. healthsuper. com. au 

general superannuation information 

1 what happens if my account has less than $1,000? 

If you have less than $1,000 in your super account, you are covered by Member Protection provisions. This ensures the administration fee does not exceed the investment earnings credited to your super account. 

2 why do you need my tax file number? 

Under the Superannuation Industry (Supervision) Act 1993, we must request your TFN and forward it to the ATO so they can assess any possible surcharge liability. If you do provide your TFN to us, we will use it only for the purposes outlined in the legislation. However, if you do not, you could be paying unnecessary tax. 

Your TFN will remain confidential but we may disclose it to the Trustee of another superannuation fund or to a retirement savings account provider, if you choose to transfer your benefits in the future. However, you can request in writing for us not to do so. 

3 what if I lose touch with Health Super? 

We are required to report lost members to the ATO if we have: 

• never had an address for you;
  
  

• been unable to deliver one written communication to the address you have supplied us with and it is clear it won’t be successful a second time.
  If we report you as a ‘lost’ member, we will transfer your super account to Health Super ‘Shelter’ account where it will continue to accumulate earnings according to your investment choice.
  
  

www. healthsuper. com. au 9 

leaving your job 

if you have taken a break (e.g. changed jobs) 

your account type: Shelter

If you’re changing jobs, or leaving the health industry altogether, your super account balance may be moved from your ‘Scheme’ account into a ‘Shelter’ account. 

This could also be when you cease employment with a Health Super employer or become a lost member (see page 9). The way this account works is the same as your Scheme account, but there may be changes to your insurance cover. 

how this account works 

top up 

Your account is topped up with Superannuation Guarantee contributions (if you get them) + any member/employer voluntary contributions. 

fees investment 

We will deduct 

fees, any insurance

– premiums and + what your 

returns 

Government taxes. 

investment choice has earned (positive or negative returns). 

your insurance: As a 'Shelter' member, you can apply for insurance. The type of insurance you can get will depend on your age and the number of hours you work. Find out more on page 39. 

boosting your account: See ‘what gets put into your account?’ on page 11. options when you re-commence work 

Depending on 

= your account balance 

If your new employer is registered with Health Super

If you re-commence work with a registered employer,* a Health Super Scheme account may also be set up for you. You will then have two options. 

move: 

Transfer your existing Health Super ‘Shelter’ account into your Health Super ‘Scheme’ account to consolidate your super and save on unnecessary fees. If you choose this first option you may not be able to withdraw non-preserved monies. 

keep: 

Retain your Health Super Shelter account giving you membership in both schemes. **

If your new employer is not eligible to be registered with Health Super

You can still request your new employer to contribute to your Health Super Shelter account on your behalf. We will also accept your own voluntary contributions.^

10 Securing your lifestyle 

what 

happens when you leave your health job? 

* A registered Health Super employer is one who operates within the Health and Community Services industry and has agreed to contribute superannuation monies on behalf of its employees in accordance with the Health Super Trust Deed. 

**If you choose this option, you will maintain all of the privileges associated with your Health Super Shelter account, however an additional account administration fee will be payable. 

^ If you are less than 65 years, you must have worked at least 10 hours in one week within the last two years. If you are aged 65-75 years, you must work at least 10 hours per week. 

If your new employer operates within the Health and Community Services Industry, they can register with Health Super by calling on 1800 13 30 50. 

what gets put into your account? 

• ✔  salary sacrifice (see page 12)
  
  

• ✔  personal contributions (see page 14)
  
  

• ✔  amounts rolled in from other accounts (see page 16)
  
  

• ✔  investment returns based on your investment choice (see page 20)
  
  

www. healthsuper. com. au 11 

salary sacrifice 

at a glance 

• An agreement you make with your employer to use your before-tax income to boost your super.
  
  

• An easy way to grow your super – your employer makes the contributions for you.
  
  

• You could reduce your income tax.

available with 

Health Super Scheme, Spouse and Shelter accounts.

costs 

There are no fees charged by us for salary sacrifice.

boost 

your super by using part of your salary 

Want an easy, hassle-free way to boost your super and your tax savings?

Use salary sacrifice to grow your super and score tax advantages. Just ask your employer to put some of your salary directly into your super before it has been taxed. 

With salary sacrifice you can: 

• ✓  grow your super over time with compound interest (earnings of interest on interest); and
  
  

• ✓  save on taxes.
  can you salary sacrifice for your spouse?
  While you can salary sacrifice to make superannuation contributions for your spouse, there are fewer benefits than salary sacrificing into your own account.
  Go to www.ato.gov.au/super for more information.
  
  

did you know? 

You do not pay Fringe Benefits Tax on salary sacrifice amounts that go into your super. And, depending on your personal circumstances and how much you salary sacrifice, you may be able to drop your salary to a lower income tax bracket. 

IMPORTANT: 

Salary sacrifice may reduce your taxable income, consequently, the amount of SG that your employer is required to pay may also be less. 

12 Securing your lifestyle 

salary sacrifice 

why it pays to salary sacrifice 

Salary sacrifice boosts your savings for tomorrow, and may also reduce the amount of income tax you pay today. Here’s how. 

Your gross salary 

Less salary sacrificed into super Your adjusted salary 

Less income tax 

You now have

An income tax saving of $900! 

$40,000 

$3,000** $37,000 

$7,272* 

$29,728 

* Based on current tax scales, excluding Medicare Levy. 

** Subject to 15% employer Contributions Tax (in this case $450), and possibly Surcharge Tax. 

start 

For example, year. Without income tax. 

lets say you’re on a salary of $40,000 a salary sacrifice, you’d pay $8,172 in 

sacrifice 

If you decide to salary sacrifice $3,000 of your salary into your super before income tax is taken out, your taxable income reduces to $37,000. So the amount that you can be taxed is also reduced. 

save 

From your adjusted taxable income, you pay $7,272 in income tax. Compared to the original income tax amount of $8,172. That’s a tax saving of $900! 

how to salary sacrifice 

• 1  Check with your employer to make sure you can salary sacrifice into your super with them.
  
  

• 2  Nominate a $ or % amount to be paid from your salary before it has been taxed.
  
  

• 3  Sign and return your application form to your HR or Payroll Officer so they can process your request. The form is available from www.healthsuper.com.au
  
  

can you salary sacrifice? 

This depends on your employer. Check with your HR or Pay Officer to find out if you can salary sacrifice. If you have more than one employer, you will need to check with each employer individually. 

calculate 

Calculate online how much you can boost your super with salary sacrifice at 

www. healthsuper. com. au 

www. healthsuper. com. au 13 

personal contributions 

top up 

whenever you like, with as much as you like 

Whether you want to tuck away $20 or $10,000, with personal contributions you have the flexibility to top up your super account (after tax) whenever you like, with as much as you like. 

With personal contributions, you can: 

• ✓  make a payment whenever it suits you;
  
  

• ✓  grow your super over time with compound interest (earnings of interest on interest);
  
  

• ✓  contribute as much as you like.
  Making personal contributions means putting extra amounts from your own pocket into your superannuation account. These contributions come from your salary after tax has been taken out, or any other after-tax sources.
  see your savings online
  Use our superannuation calculator at www.healthsuper.com.au to see why it pays to make personal contributions.
  
  

at a glance 

• A flexible way to top up your super using your after-tax income.
  
  

• Flexibility – you can add as much as you like, as often as you like.

available with 

Health Super Scheme, Spouse and Shelter accounts.

costs 

There are no fees for making personal contributions.

who can top up? 

To make personal contributions, there are certain requirements you need to meet. 

• 64 years old or less? You need to have worked at least 10 hours in the last two years.
  
  

• Between 65 to 75 years old? You need to be working at least 10 hours a week in
  gainful employment.
  
  

• Over age 75 years? Personal contributions cannot be accepted.
  
  

• Self-employed? want to claim a tax deduction? You can top up your account if you
  are an existing Health Super member. Tax deductions are available to self- employed persons (you should obtain your own tax advice).
  
  

IMPORTANT: 

Your super doesn’t work like a bank account. If you top up your account, it is preserved until retirement age. 

14 Securing your lifestyle 

Government Co-contribution – earning less than $27,500*? 

If you top up to $1,000 into your super through regular or lump sum contributions, the Government will match on a dollar-for-dollar basis. To qualify for contributions, you must make personal super contributions from your after-tax income, and have super contributions made by an employer in the same year. The ATO will reimburse you by putting the money back into your nominated super account (*assessable income and reportable fringe benefits). Co-contribution rates will increase from 1 July 2004. 

why make personal contributions? 

This graph shows how much better off you would be at age 60 if you made regular contributions from just $20 a week, instead of relying solely on your employer’s contributions. 

contributing a little or a lot makes a big difference! 

Let's say you're 30 years old and you're on a salary of $35,000. Look at how much you can expect to have at age 60 with personal contributions of $20, $50 and $100 a week. 

$900,000 $800,000 $700,000 $600,000 $500,000 $400,000 $300,000 $200,000 $100,000 

$774,384 on 

$100 a week 

$518,795 on 

$50 a week 

$365,442 on 

$20 a week 

$263,207 

on your employer’s contributions alone 

personal contributions 

super amount 

how to make personal contributions 

There are two main ways to make a personal contribution.You can contribute a set amount with each pay period (known as regular payroll deductions) or any amount whenever you like (known as lump sum payments). 

$0

1 2 3 4 5 6 7 8 9 101112131415161718192021222324252627282930 

number of years 

Assumptions: A yearly net earnings rate of 6%, employer SG contributions of 9% and taxable base salary of $35,000 with a yearly increase of 2% for both the salary and the personal contributions, consistent with inflation. 

Source: Quoted with permission from Health Super Financial Planning, March 2004. 

type

what is it?

tips

sign and send

Regular payroll deductions

Putting aside a set amount on a regular basis directly from your pay into your Health Super account. 

Payroll deductions are paid from your after-tax salary each pay period.

Just nominate a $ or % amount of your pay to go into your super, at no extra cost.

Return your form to your HR or Payroll Officer.

Lump sum payments

Depositing any amount, whenever you like into your Health Super account. 

Lump sum payments are one

off payments that you make from your own pocket, after tax, into your Health Super account, as often as you like.

Pay by cheque directly into your Health Super account at any time – you can change the amount and frequency of your deposits to suit your needs.

Return your form and cheque (payable to Health Super Fund) 

to Health Super.

As each financial situation is different, you may wish to consult a Health Super Financial Planner before you top up. Call 1300 78 02 23. 

spouse top ups 

You can make personal contributions on behalf of your spouse. A tax rebate of up to $540 per annum may be available to the person contributing on behalf of a low-income or non-working spouse. 

did you know?

Personal contributions don’t affect your super tax concessions. 

The Commonwealth Government sets a limit on the amount of concessionally taxed super you can receive at retirement. This limit is known as your Reasonable Benefit Limit (RBL).Your personal contributions don’t count towards your RBL (only the investment earnings that you make on these contributions). 

www. healthsuper. com. au 15 

top up by direct 

debit 

Want to top up your super by direct debit? 

That's fine with us. 

Call 1800 33 17 19 or go to www. healthsuper. com. au for a form. 

did you know? 

Any personal contributions you make now cannot be taken out until you are at least 55 – 60 years old (depending on when you were born) and permanently retired from the workforce. Only personal contributions made before 1 July 1999 can be taken out before you reach this age. 

Call 1800 33 17 19 if you need more information. 

combining your super 

roll 

in super from other super accounts 

Putting all your super into the one Health Super account will save you time, hassle and money. It’s likely you have super from previous jobs sitting around in other super funds. And even if they’re only small amounts, every little bit helps to top up your super. 

By combining all your accounts into one, manageable, low-cost Health Super account, you’ll: 

• ✓  pay less fees;
  
  

• ✓  have less paperwork;
  
  

• ✓  grow your retirement savings; and
  
  

• ✓  have more time for yourself.
  And better still, it’s so easy to do. Simply collect the details of all your super accounts, complete the form from www.healthsuper.com.au and you’re away.
  
  

at a glance 

• Combining all your super accounts into one.
  
  

• Save on fees, paperwork and hassle.
  
  

• One low-cost Health Super account.

available with 

Health Super Scheme, Spouse and Shelter accounts.

costs 

There are no fees from Health Super for combining other super amounts.

IMPORTANT: 

You may incur exit fees from your other super fund/s. Check with the administrator of your other fund/s before combining. 

16 Securing your lifestyle 

why combine? 

combining your super 

low fees

Save on fees by paying one low account administration fee. And there are no entry or exit fees.

choice

Health Super offers different member investment choices to suit your individual approach to investing and your investment needs.

portable

You can take your Health Super account with you to any employer in the Australian health care and community services sector. This means you only have to keep track of one super account.

competitive

Health Super’s returns over the long-term are very competitive. Better still, unlike some other funds we return our profits back to you.

access

When you combine your old super accounts into Health Super, all the parts of your benefit are maintained. For example, if you choose to rollover your super into our Health Super Scheme, you can still access any non-preserved amounts rolled into it.

extra services

Access to financial services and products, many at special rates for members: 

Health Super Financial Planning – call 1300 78 02 23 Health Super Member Privileges – call 1800 24 77 73.

how to combine your super in three simple steps 

1 Collect the number of forms you need

You will need to use one form for each additional account. If you require more forms 

you can print the form from our website at www.healthsuper.com.au 

2 Complete the forms with all your details

If you don’t supply the information requested, your application may be delayed. 

3 Sign and send off your application form(s) 

lost accounts? 

If you think you have missing super accounts, use the ATO's free online SuperSeeker tool to help you find your lost super accounts. For more information, go to

www. ato. gov. au. 

www. healthsuper. com. au 17 

did you know? 

Member investment choice lets you choose from a range of different investment options that suit you. It also gives you the flexibility to change the way your super is invested as your circumstances change. 

IMPORTANT: 

Historically, growth assets like shares carry a higher level of risk but achieve a higher return over the long-term. 

member investment choice 

18 Securing your lifestyle 

choose 

a way to invest your super 

Now you have the freedom and control to choose how your super is invested. 

With member investment choice, you can: 

• ✓  have control over how your super is invested;
  
  

• ✓  have the flexibility to choose an option that suits you;
  
  

• ✓  invest your super in a range of asset classes – from cash to property to shares;
  
  

• ✓  change your investment choice monthly.
  To check out your comprehensive guide to controlling how your super is invested, log onto our website www.healthsuper.com.au This will help you make an educated choice.
  more flexibility for you
  Members of Health Super Scheme, Shelter, and Spouse are able to choose from five investment options. This gives you the flexibility to take greater control of your future and make the financial decisions that are right for you.
  You can choose from:
  
  

1. Long-Term Growth;
   
   

2. Medium-Term Growth;
   
   

3. Balanced;
   
   

4. Short-Term Conservative;
   
   

5. Stopover.
   
   

The five options are all different and each is designed to suit a particular type of investor. 

Depending on the type of option you choose, your money may be invested across asset classes such as shares, property, fixed interest and cash.You need to be aware that investing in Health Super, and choosing an investment choice option is quite different from putting your money in a bank account because the return you receive is not fixed, like bank interest rates, but varies depending on the value of the assets. 

what does Health Super invest in 

The five Health Super member investment choice options invest in up to seven asset classes. These are: 

member investment choice 

growth assets 

1. Australian shares
   
   

2. International shares
   
   

3. Property (direct commercial property or listed property trusts)
   
   

4. Alternative investments (includes absolute return funds)
   
   

interest-bearing assets 

5. Australian Fixed interest (government bonds or corporate issues)
   
   

6. International Fixed Interest (government bonds or corporate issues)
   
   

7. Cash (deposit at bank or money market securities)
   
   

These seven asset classes have different characteristics in terms of the level of investment returns and the degree of risk and volatility to which your super may be exposed. 

two types of assets 

asset types

where do the returns come from?

growth assets 

There are three types of growth assets:

1. shares 

2. property 

3. absolute return funds.

1. Investment returns from shares come from capital growth (increases in the market value of shares) and the dividends paid from companies’ profits.
   
   

2. The investment returns from property also come from capital growth
   (increases in the market value of property) and the rental received from
   the tenants occupying the property.
   
   

3. Absolute return funds, also known as hedge funds, are a fairly recent 

development in the Australian investments market. They constitute an asset class in which fund managers use a range of strategies and techniques to invest in assets which have relatively low correlation with traditional asset classes (such as shares, fixed interest, etc.).

interest-bearing assets 

There are two types of interest- bearing assets: 1. fixed interest 2. cash.

1. Fixed interest includes bonds and corporate debentures, and are issued to investors who lend money to governments or corporations looking to raise capital. 

2. Cash investments include investments in short-term money markets such as bank bills and treasury notes, as well as deposits at banks.

For more information on asset classes, log onto our website at www.healthsuper.com.au 

www. healthsuper. com. au 19 

member investment choice 

tips 

• If you have a long investment horizon, then growth assets will generally outperform interest-bearing assets over the long term.
  
  

• When investing in growth assets, look at the long term. Don’t let short-term ups and downs influence your investment strategy.
  
  

imagine you had $20,000 to invest... 

One way to look at how different asset classes perform over time is to imagine you had $20,000 to invest in 1988. The graph below shows how your money would have grown had you invested in each of the five asset classes since January1988. 

Source: Watson Wyatt Worldwide 2004 (based on gross returns, no allowance has been made for investment fees or tax) 

helping you understand the principles 

You may have heard of the saying: ‘The higher the risk, the higher the return’. This is what it means. 

If you had invested $20,000 in cash in 1988, you would have outperformed inflation, had a smooth ride and accumulated $68,321. If you had invested your money in Australian shares, after wearing all the short-term ups and downs of the share market, you would have accumulated $96,830. 

• Listed property
  
  

• Australian shares
  
  

• Australian fixed interest
  
  

• International fixed interest
  
  

$114,646 E. $96,830 F. $97,588 G. $99,212 H. 

International shares Cash

Inflation

Absolute return 

$62,333 $68,321 $33,419 $95,057 

Risk

Risk is the probability that your total investment returns may rise and fall in value over time and the potential amount of the fall. Different types of asset classes carry different levels of risk.

Return

Return is the change in the value of assets. A net return is what you earn on your investment after fees and taxes are deducted. Health Super credits members on a net return basis.

Health Super’s five investment options invest across different asset classes, carry different levels of risk, and produce different levels of returns over time.

risk/return chart of the member investment choice options 

Return 

20 Securing your lifestyle 

Stopover 

Long-Term Growth Medium-Term Growth 

Balanced Short-Term Conservative 

This diagram shows you that our Long- Term Growth investment option carries the highest level of risk, but also has the potential to generate the greatest investment returns. 

Risk 

three ways Health Super manages your investment 

The Trustee of Heath Super manages investment risk by not putting all your eggs in the one basket. Basically, your super is spread: 

1. across a number of asset classes;

2. across specialist Investment Managers;

3. across a number of investments, e.g. different shares. 

By spreading your super this way, Health Super aims to achieve the best possible return over the long term while minimising investment risk. 

get involved with your super 

Did you know that you too can choose the investment risk you’re exposed to? 

All you have to do is pick the investment strategy that suits you and hold onto it for a long period of time. It is important to give your super time to grow and ride the short- term ups and downs of the investment market. 

making sure you have enough 

Inflation is the increase in the general cost of living, as measured by the Consumer Price Index (CPI). Inflation tends to rise each year, effectively meaning that your money buys less over time. That's why the investment objectives for each of the five options are measured in terms of exceeding inflation. 

To keep pace with, or ahead of, inflation requires investing in assets that have the potential to grow at a rate faster than inflation. To see how different asset classes have outperformed inflation since 1988, see the chart on page 20. 

Now that you have read about the basics of investing, you can test your knowledge. Log onto our website www.healthsuper.com.au and take our investments quiz. 

member investment choice 

hint 

The higher the proportion of your investments in growth assets, the more likely that the returns will outperform inflation over time. 

IMPORTANT: 

As most of our membership is under age 50, our 'Long- Term Growth' option is the most common investment option. This has the highest level of risk. 

www. healthsuper. com. au 21 

member investment choice 

tip: 

Past returns are not an indicator of future earning rates. 

five 

ways to invest your super 

risk profile 

investment objective 

investment period 

Long-Term Growth 

Aggressive 

To achieve a return, after fees and taxes, that exceeds inflation by at least 5.0% p.a. measured over rolling five-year periods. 

7 years or more 

Growth: 90% Interest-bearing: 10% 

Medium-Term Growth 

Adventurous 

To achieve a return, after fees and taxes, that exceeds inflation by at least 4.0% p.a. measured over rolling five-year periods. 

5 years or more 

Growth: 70% Interest-bearing: 30% 

IMPORTANT: 

In some years, returns may be negative, which may decrease your account balance. 

22 Securing your lifestyle 

asset allocation 

chance of negative returns 

risk/return graph 

SRI option available 

returns as at 30 June 2003 (%) (this is not SRI) 

Return 

1 in 4 years 

Long-Term Growth 

Risk 

1 in 5 years 

what it invests in~ 

■ Australian shares 35% ■ International shares 35% ■ Property 10% ■ Alternative investments 10% ■ Australian fixed interest 5% ■ International fixed interest 5% 

■ Australian shares 27.5% ■ International shares 25% ■ Property 10% ■ Alternative investments 7.5% ■ Australian fixed interest 24% ■ International fixed interest 6% 

Return 

Medium-Term Growth 

✓ yes 

1 yr 3 yrs 5 yrs 

-3. 02 -2. 60 4. 10 

✓ yes 

1 yr 3 yrs 5 yrs 

-1. 00 -0. 90 4. 40 

Risk 

Balanced 

Balanced

Short-Term Conservative 

Cautious

Stopover 

Low-risk

To achieve a return, after fees and taxes, that exceeds inflation by at least 3.5% p.a. measured over rolling five-year periods.

To achieve a return, after fees and taxes, that exceeds inflation by at least 2.5% p.a. measured over rolling three-year periods.

To achieve a return, after fees and taxes, that exceeds inflation by at least 1.0% p.a. measured over rolling three-year periods.

5 years or more

3 years or more

Up to 3 years

Growth: 50% Interest-bearing: 50%

Growth: 30% Interest-bearing: 70%

Interest-bearing: 100%

1 in 8 years

1 in 16 years

n/a

■ Australian shares

■ International shares

■ Property

■ Alternative investments

■ Australian fixed interest ■Internationalfixedinterest 17.5% 

17.5% 17.5% 10% 5% 32.5%

■ Australian shares 10% ■ International shares 10% ■ Property 5% ■ Alternative investments 5% ■ Australian fixed interest 35% ■ International fixed interest 25% ■ Cash 10%

Cash 100%

Return 

Balanced 

Risk

Return 

Short-Term Conservative 

Risk

Return 

Stopover 

Risk

✓ yes

✓ yes

✕ no

1 yr 3 yrs 5 yrs

1 yr 3 yrs 5 yrs

1 yr 3 yrs 5 yrs

n.a. n.a. n.a.

2.46 1.80 4.90

4.64 5.00 5.00

member investment choice 

~ These graphs refer to the targeted strategic asset allocation. The actual asset allocation for any investment option as at 1 July 2003 might differ from the target. 

All asset allocations for investment choices were reviewed on 1 July 2003. The Balanced option was a new investment choice option. 

As at 31 May 2004, alternative investments means absolute return funds only. However the Health Super Trustee may include other assets in the future. 

www. healthsuper. com. au 23 

investor profile questionnaire 

a guide 

to what type of investor you are 

Answer these 10 simple questions to find out what type of investor you are. 

questions

your answers your score

strongly agree

agree

unsure

disagree

strongly disagree

risk and return 

• 1  If the value of your investments dropped by 10% in one year, you would switch
  it all to cash immediately.
  
  

• 2  You would rather have your money secure in a bank and you don’t mind earning
  2% interest every year.
  
  

• 3  Shares going up one day and down the next makes it hard for you to sleep at night.
  
  

• 4  You don’t care if your investment goes backwards for one year now and again,
  as long as it earns high returns over 10 years.

[1] 

[1] [1] 

[5]

[2] 

[2] [2] 

[4]

[3] 

[3] [3] 

[3]

[4] 

[4] [4] 

[2]

[5] 

[5] [5] 

[1]

inflation 

5 You are prepared for your investment to move up and down in the short term, as long as it outperforms inflation.

[5]

[4]

[3]

[2]

[1]

a comfortable retirement 

• 6  You might live for over 20 years in retirement, so it is important that your money lasts over that time.
  
  

• 7  You would love to maintain the same lifestyle in retirement that you have now.
  
  

• 8  Around 94% of the retired population today receives $36,400 pa or less* in retirement income.You want a retirement income level that is a lot higher than that.

[5] [5] 

[5]

[4] [4] 

[4]

[3] [3] 

[3]

[2] [2] 

[2]

[1] [1] 

[1]

time 

• 9  How many years do you have until retirement?
  
  

• 10  Over how many years do you expect to
  spend your super in retirement?
  Note: the life expectancy of a man retiring today at age 60 is 20 years, and for females it is 24 years.**

3–5 yrs [1] 

3–5 yrs [1]

6–10 yrs [2] 

6–10 yrs [2]

11–15 yrs [3] 

11–15 yrs [3]

16–20 yrs [4] 

16–20 yrs [4]

20+ yrs [5] 

20+ yrs [5]

your total

* Source Retirement Income figures ABS 2001 ** Source Australian Life Tables 2000 

24 Securing your lifestyle 

a guide to your investor profile 

Now you have answered the questions, match your score to your investor profile in the table below and read the description. 

your score your investor profile description 

investor profile questionnaire 

0 - 10 

Low-risk 

The Low-risk investor: 

• ✓  wants very small fluctuations in returns;
  
  

• ✓  would rather have a secure investment with low long-term returns;
  
  

• ✓  is not too concerned about outperforming inflation over the long term;
  
  

• ✓  prefers to invest entirely in interest-bearing assets. Tip: Our Stopover option is consistent with this profile.

11 - 20 

Cautious 

The Cautious investor: 

• ✓  is comfortable with moderate fluctuations in short-term returns;
  
  

• ✓  is open to some risk in an effort to generate slightly higher returns;
  
  

• ✓  is aware of outperforming inflation over the long term;
  
  

• ✓  likes the potential for some growth, but is more concerned about security.
  Tip: Our Short-Term Conservative option is consistent with this profile.

21 - 30 

Balanced 

The Balanced investor: 

• ✓  is comfortable with moderate to medium-level fluctuations in short- term returns;
  
  

• ✓  is open to medium-level risk, to generate higher returns over the long term;
  
  

• ✓  wants to outperform inflation over the long term;
  
  

• ✓  seeks a balanced mix of growth and interest-bearing assets. Tip: Our Balanced option is consistent with this profile.

31 - 40 

Adventurous 

The Adventurous investor: 

• ✓  is comfortable with medium to high-level fluctuations in short-term returns;
  
  

• ✓  is open to medium to high-level risk, to generate higher returns over the long term;
  
  

• ✓  is keen to outperform inflation over the long term;
  
  

• ✓  has longer to invest, so sees the value in investing more in growth
  assets.
  Tip: Our Medium-Term Growth option is consistent with this profile.

41 - 50 

Aggressive 

The Aggressive investor: 

• ✓  is comfortable with high-level fluctuations in short-term returns;
  
  

• ✓  is open to high-level risk, to generate superior returns over the
  long term;
  
  

• ✓  is very eager to outperform inflation over the long term;
  
  

• ✓  has longer to invest, and therefore will only invest in growth assets. Tip: Our Long-Term Growth option is consistent with this profile.

www. healthsuper. com. au 25 

innovative default strategy 

what 

do we ‘default’ your super to if you don’t choose? 

If you don’t make an investment choice, then your super will be automatically defaulted into an option according to the Health Super Lifecycle Default Strategy. This is a set- and-forget strategy, which is based on your age and is structured as follows. 

The Lifecycle Default Strategy will automatically act as your investment strategy unless you make an active investment choice 

how does the Lifecycle Default Strategy work? 

If you are in the Lifecycle Default Strategy and under the age of 50, your superannuation will be invested in the Long-Term Growth option. When you turn 50 years old, your super will automatically be switched to the Medium-Term Growth option. When you turn 60, your super will automatically be switched to the Balanced option. 

The switches will become effective from the 1st day of the month following your 50th and 60th birthday respectively. 

your age

your investment choice option

under age 50

Long-Term Growth

age 50 to 60

Medium-Term Growth

at age 60

Balanced

26 Securing your lifestyle 

why has this Lifecycle Default Strategy been introduced? 

The Board of Health Super have introduced this innovative Lifecycle Default Strategy after extensive research and in consultation with our investment consultants, Watson Wyatt Worldwide. 

Here are some reasons why we’ve constructed the Lifecycle Default Strategy the way we have. 

innovative default strategy 

✓ recognising higher earnings potential 

Members under the age of 50 generally have a higher investment earnings potential because they have time on their side to manage investment risk more effectively.

✓ encouraging confidence to ride the ups and downs 

Those members with a higher investment earnings potential can invest in growth assets and be confident in the knowledge that they will be more tolerant to any short-term ups and downs that come from volatility of the share market.

✓ making sure your money keeps growing in retirement 

Members approaching retirement need to maintain their investment earnings potential by investing in growth assets because they have to ensure their savings last them through their retirement years.

IMPORTANT: 

If you don’t choose an investment option, we will invest it according to the Lifecycle Default Strategy. 

www. healthsuper. com. au 27 

did you know? 

If you choose SRI, Health Super will only invest your super in shares of socially responsible companies. 

IMPORTANT: 

In the long-term, SRI investments may be more volatile than other forms of shares. 

socially responsible investments 

invest 

in socially responsible shares 

With Health Super, you can use your investing power to support companies and organisations that meet certain standards for social, environmental or ethical operations. Take a look at how you can take an ethical stance and invest in Socially Responsible Investments (SRI). 

available with these options 

The following member investment choice options allow you to invest your super with socially responsible investments: 

1. Long-Term Growth;

2. Medium-Term Growth;

3. Balanced;

4. Short-Term Conservative. 

a stringent screening process 

Health Super engages Fund Managers who use screening processes to select companies who are considered for inclusion in Health Super’s SRI options. Consideration for inclusion requires companies to meet certain social, environmental or ethical standards. 

If Fund Managers do not perform against set criteria, their contract is reviewed or terminated. 

28 Securing your lifestyle 

with SRI your super is invested in socially responsible companies 

socially responsible investments 

companies we don’t invest in 

If a company is materially involved in certain negative activities, it may be excluded from Health Super’s SRI option, depending on each individual Fund Manager’s approach. These negative activities include: 

• ✕  alcohol;
  
  

• ✕  tobacco;
  
  

• ✕  pornography;
  
  

• ✕  gambling;
  
  

• ✕  armaments;
  
  

• ✕  the defence industry;
  
  

• ✕  uranium and nuclear power;
  
  

• ✕  damaging the environment;
  
  

• ✕  child labour;
  
  

• ✕  oppressive regimes;
  
  

• ✕  fur; and
  
  

• ✕  animal testing.

companies we consider 

On the other hand, if a company is engaged in, or has positive policies in relation to one or more of the following activities, they are considered for the SRI option: 

• ✓  sustainability;
  
  

• ✓  environmentally beneficial
  technologies (i.e. wind energy);
  
  

• ✓  governance and ethics;
  
  

• ✓  good workplace practices, and
  
  

• ✓  product quality and stewardship.

overseeing your investments 

Three Fund Managers have been selected to oversee the investments in SRIs. 

Fund Manager 

Perennial Investment Partners

responsible for 

Australian SRI shares

visit their website 

www. perennial. net. au

ABN - AMRO Asset Management Australia

International SRI shares

www. abnamro. com. au

BIAM Australia Ethical International Fund

International SRI shares

www.biam.ie

important tips 

1. There is a higher level of risk involved when investing in socially responsible investments. Be aware that they do tend to be more volatile than some other forms of investments.
   
   

2. Because there are only three Fund Managers, the level of risk is not spread as widely as it is for our traditional investment choice options.
   
   

3. SRI is a relatively new investment category, so historical returns are not yet available. If you’d like to see how the individual SRI Fund Managers have performed, take a look at their websites. Their website addresses are in the table above.
   
   

www. healthsuper. com. au 29 

did you know? 

You can find out more about the SRI Fund Managers by visiting their websites. 

You can also log onto 

www.healthsuper.com.au 

for links to all three Fund Managers’ websites. 

switching

IMPORTANT: 

Switching regularly may have a negative impact on your account balance. 

Reacting and switching

because of ups and downs in

the market may have a 12% significant impact on how

much you end up saving for 10% your retirement. For example,

in this graph, if you had

8% chosen to invest in Australian

shares in 1988 and kept your

Annualised return (%pa) 6% money there for 15 years, you

would have earned 10. 4%

4% p.a. By missing just the 10

best performing days, your

return would have reduced to

2% 8.2% p.a. That’s a big 

difference and loss to how 0 much you save for your

retirement. 

missing the best days: 1988 – 2003 

greater 

flexibility for you 

Health Super allows members to change investment choice options up to a maximum of 12 times a financial year. That’s even more flexibility for you. 

When you make your investment choice switch, it will be effective on the first day of the following month. 

how much does switching cost? 

Your first voluntary switch in any financial year is free. Subsequent requests for investment switches in that year will each incur a $25 switching fee. This will be debited from your account, and is the only fee applicable to investment choice switches. 

If you request the Lifecycle Default Strategy as your preferred investment strategy, then automatic switches between the different lifecycles will not incur any switching fees. 

If you request a switch to socially responsible investments, then that request will count towards the switching fees. All subsequent switches in that year will incur the $25 switching fee. 

things you should know about switching regularly 

10.4% 

30 Securing your lifestyle 

entire period 

8.2% 

missing 10 best days 

6.6% 

missing 20 best days 

5.2% 

missing 30 best days 

3.9% 

missing 40 best days 

2.6% 

missing 50 best days 

Source: Watson Wyatt Worldwide, 2004

what gets taken out of your account? 

• ✔  Health Super fees (see page 32)
  
  

• ✔  Government taxes (see page 34)
  
  

• ✔  insurance premiums based on what you’ve chosen (see pages 36, 42, 43, 44 and 45)
  
  

• ✔  negative earnings
  
  

www. healthsuper. com. au 31 

Health Super fees 

what 

fees does Health Super take out? 

If you compare Health Super’s fees to other retail super funds, you can see that our fees are low. We are not driven by needs of external shareholders and deliver all net profits back to you. 

establishment fee 

this is the fee some funds charge to set up member accounts 

contribution fee 

this is the fee some funds charge for the initial and every subsequent contribution made 

withdrawal fee 

this is the fee some funds charge for each member withdrawal (including any installment payments and final payments) 

termination fee 

this is the fee some funds charge when you close your account with them 

switching fee 

this is the fee charged when members switch between investment options offered

the first switch request in a financial year is free, after which the switching fee is applied, with a maximum of 12 switches per year 

adviser service fee 

this is the fee the advisers of some funds charge when they give members advice about their superannuation 

administration fee 

this is an asset-based fee to cover the general cost of administration and is deducted from the earnings before returns are declared 

investment management fee 

this is an asset-based fee for managing investments (refer to table at right for further details) this fee is deducted from the earnings before returns are declared 

issuer fee 

this is the fee charged by some funds to oversee their fund’s operations and for providing members with access to their fund’s investment options 

expense recovery fee 

this is an estimate of the out-of-pocket expenses some trustees are entitled to recover from their fund 

member fee 

this is a member account-keeping fee and is charged annually to members’ accounts or on a pro-rata basis 

what the market charges Health Super’s fees 

nil 

nil 

Scheme and Spouse: nil 

Shelter: the first three withdrawals free each financial year – $50 thereafter. 

nil 

first switch FREE, $25 thereafter 

nil 

up to 0.10% of assets 

0.03% to 0.89% of assets 

nil 

nil 

$52 p.a. 

32 Securing your lifestyle 

what’s taken out of your earnings? 

There are two fees taken out of earnings (not directly out of your account). These are known as ‘investment management’ and ‘administration’ fees. 

The table below expresses the ‘investment management’ fee (as at 31 May 2004) as a percentage of the Fund’s assets, and as a dollar example of someone who’s got $10,000 in their account. 

Health Super fees 

IMF regular (%)

IMF SRI (%)

IMF regular $

0.63

0.89

$63

0.50

0.70

$50

0.39

0.52

$39

0.29

0.37

$29

0.03

n/a

$3

investment management fee 

Long-Term Growth 

Medium-Term Growth 

Balanced 

Short-Term Conservative 

Stopover 

a quick example 

IMF SRI $ 

$89 $70 

$52 $37 

n/a 

So you’ve seen our low fees and what we take out of earnings, how does this work? 

Let’s take an example. Imagine for a moment that you have $10,000 in your super account, and you’ve chosen the Long-Term Growth Regular investment choice option (without SRI - see page 28). Here’s what you can expect to pay. 

Remember, you don’t have to open your wallet and pay these directly. These fees come out of your super account or the super earnings. 

fee type fee dollar amount

member fee $52 p.a. $52

max. administration fee 0.10% $10

investment management fee 0.63% $63

Total - $125

The Trustee reserves the right to change fees. Any increase in fees will communicated to members by mail. 

IMPORTANT: 

In some instances, changing investment choice options may result in an increased investment management fee. 

www. healthsuper. com. au 33 

did you know? 

All investment earnings are credited to your account - we do not hold over returns to hide under- performing years. 

did you know? 

If you combine another super account into Health Super, there will be no tax payable (except in limited circumstances). 

earning more than $94,691? there’s Surcharge Tax 

An extra charge is levied on the surchargeable superannuation contributions of higher income individuals ($94,691 is the 2003/04 threshold). The charge (known as Surcharge Tax) is based on your adjusted taxable income plus your total surchargeable contributions and reportable fringe benefits total. The rate of Surcharge depends on your adjusted taxable income. The percentage rate can fall between 0.00001% and 15% tax. 

government charges 

34 Securing your lifestyle 

what 

tax does the Government charge? 

tax on money into Health Super 

No tax is paid by the Fund on the contributions you make into the fund from income on which you have already paid tax (after-tax income). 

Health Super is required to deduct tax of 15% on: 

✓ the contributions your employer(s) makes for you (known as Superannuation Guarantee); 

✓ any contributions paid from income on which tax has not been paid (e.g. through salary sacrifice arranged with your employer). 

Online service: www.ato.gov.au/super, accessed 31 May 2004 

tax on money transferred into and out of Health Super 

There is no tax if you transfer money from one super fund to another, unless the amount transferred contains an untaxed component (this is a termination payment direct from an employer or a payment from a certain superannuation funds, for government employees). The ATO determines your Adjusted Taxable Income for Surchage purposes. 

An untaxed component attracts 15% tax on contributions, and may also be subject to the superannuation tax Surcharge. 

tax on investment earnings of Health Super 

Investment earnings by Health Super are taxed at a maximum rate of 15%, with capital gains taxed at a discounted 10%. 

tax on payments from Health Super 

You may have to pay tax when you draw money from Health Super. This amount paid will depend on your own circumstances, including your age, how long you been in a superannuation fund, and how your super benefit is paid. 

• ✓  You pay no tax on the part of your super that consists of the contributions you made from your after-tax income after 30 June 1983.
  
  

• ✓  If you are over age 55 and ask for your post-June 83 component paid to you, then the first $117,576 (2003/04) of your post-83 component is not taxed. If you elect to withdraw your post-83 component before you turn age 55, then you will pay 20% tax on this amount (plus Medicare Levy).
  
  

• ✓  If some of your super relates to employment before July 1983, you pay tax on only 5% of that part of your super (95% is tax-free). This is shown on your tax return.
  
  

• ✓  If you use your super to receive a regular income from a super fund, special tax rates will apply.
  
  

• ✓  If your super is paid out to you as a foreign national who is leaving Australia permanently, high tax rates may apply to your benefit. Contact the ATO for details.
  
  

have you given us your Tax File Number? 

It pays to give your Tax File Number (TFN) to Health Super when you join. You do not have to do so, but if you do not provide your TFN you may pay tax at a higher rate than necessary. 

If you do not have a Tax File Number, contact the ATO on 13 10 20. 

www. healthsuper. com. au 35 

‘your super account comes with insurance cover to help you prepare for any emergency’ 

from 1 July 2004 our new insurer is 

what 

insurance is available with Health Super? 

As a health worker, you’ve probably seen first hand just how devastating the unexpected can be. When something unforeseen or sudden happens, be it an illness or an accident, you know the impact (both physical and financial) it can have on a person and their loved ones. 

So what about your own life and your family’s? If an emergency was to happen, are you really prepared? 

With Health Super, not only can you get great insurance cover with your super account, but you can tailor it to suit your lifestyle. 

types of insurance 

As a Health Super member you can pick-and-choose the type and level of insurance that suits you. Here are the types of insurance Health Super offers. 

death and disablement 

A one-off payment for you and your family if you cease employment because you become totally and permanently disabled or die. This provides some peace

of mind that you and your family are protected if something happens to you. 

see page 42 

income protection (IP) 

A monthly pay packet of $750 for up to 2 years (after a 90 day waiting period)

if you become temporarily disabled while employed. You can also apply to increase this. see page 44 

36 Securing your lifestyle

what are your options? 

stick 

with what you've got? 

To stick with what we’ve given you (see your Welcome Letter ) do nothing. Just tuck your form away somewhere safe so you have a record of it.You may need it at a later date to check your level of insurance cover. 

flick 

want to opt-out of some or all of your insurance? 

You can choose to flick your income protection and/or disablement and/or death insurance. If you are a new member, you must opt-out within the first 30 days of getting your Welcome Letter. 

You can:

• Opt-out of everything: This cancels all your insurance.

• Opt-out of income protection insurance (Scheme members only): 

This leaves you with death and disablement insurance. • Opt-out of disablement insurance 

(if you’re a Scheme member, this also flicks your income protection): This leaves you with death only insurance. 

Please think carefully before opting-out of any insurance. 

If you wish to re-apply for insurance at a later date, you will need to satisfactorily complete a Confidential Personal Statement, and meet underwriting conditions. 

pick 

want to reduce or get more insurance cover? 

You can reduce or apply to increase your insurance at any time. See page 38 for more details. 

when you take leave 

What happens if you take leave without pay or are on maternity/paternity leave? You can continue your insurance for up to 12 months (from the time your period of leave commenced) provided: 

• you get a written agreement from your employer granting you the leave without pay;
  
  

• you have a firm return-to-work date agreed with your employer; and
  
  

• you are not travelling to a war zone.
  
  

www. healthsuper. com. au 37 

insurance with your account

work less than 20 hours a week? 

If you work less than 20 hours a week, you cease to be eligible for income protection. You must notify us so we can stop deductions, and rebate you from the time you joined the Fund (if applicable). 

starts 

The date you joined your employer in the Health and Community Services Industry. 

ends 

Your cover ends upon your written request or when you stop being a Health Super Scheme member.* 

* Additional conditions also apply. 

See ‘when you are no longer insured’ on page 49 and ‘when won't your income be protected?’ on page 50. 

what 

insurance do you get with your account? 

As you move from job to job, your insurance cover can move too.

As a Health Super Scheme member, you get started with an automatic, basic level of insurance cover. This changes according to the type of account you have – so be aware that if your account type changes, so will your cover. 

automatic insurance with Scheme accounts 

up to age 59 

If you have a ‘Scheme’ account, you’re under age 59 and work more than 20 hours a week (on average over 3 consecutive months) you’ll automatically get: 

• ✓  1 unit of death and disablement insurance ($1.05 per week); and
  
  

• ✓  2 units of income protection insurance for $1.70 per week (you’re eligible for income protection if you work at least 20 hours a week on average over 3 consecutive months).
  
  

• ✓  the option to increase, or reduce your cover at any time.
  aged 60-69
  If you have a ‘Scheme’ account, you’re aged 60-69 and work more than 20 hours a week (on average over 3 consecutive months) you’ll automatically get:
  
  

• ✓  1 unit of death insurance ($0.63 per week); and
  
  

• ✓  the option to increase, or reduce your cover at any time.
  
  

starts 

The date you joined your employer in the Health and Community Services Industry. 

ends 

Your cover ends upon your written request or when you stop being a Health Super Scheme member.* It also ends on your 70th birthday. 

38 Securing your lifestyle

important 

When your super is moved to a Shelter account, we will send you a letter. Within the first 30 days from the date of this letter you will: 

• be automatically insured if you die or become disabled (provided you had this cover in your Scheme account); 

• have the option to continue your death only cover, which will become effective after the 30 days; and 

• be no longer covered for income protection from the date of resignation. 

This means that if we don’t hear from you within 30 days, your death and disablement insurance (if any) will cease. 

re-applying or applying for insurance in Shelter/Spouse accounts 

As a Shelter/Spouse member you can apply or re-apply for insurance at any time. 

up to age 59 

If you have a ‘Shelter or Spouse’ account, you’re under age 59, have at least $1,000 in your super account and work more than 20 hours a week (on average over 3 consecutive months) you can apply or re-apply: 

• ✓  for death only or death and disablement insurance (up to a total of 8 units);
  
  

• ✓  to increase, or reduce your cover at any time.
  aged 60-69
  If you have a ‘Shelter or Spouse’ account, you’re aged 60-69, have at least $1,000 in your super account and work more than 20 hours a week (on average over 3 consecutive months) you can apply:
  
  

• ✓  death only cover (up to a total of 8 units);
  
  

• ✓  to increase, or reduce your cover at any time.
  work under 20 hours a week?
  You can apply for up to 8 units of death only cover.
  
  

insurance with your account 

starts 

Your insurance will start from the date AIG Life accepts your request for insurance cover. 

ends 

We will stop your cover if you request us to or if you leave Health Super.* 

starts 

Your insurance will start from the date AIG Life accepts your request for insurance cover. 

ends 

We will stop your cover if you request us to or if you leave Health Super.* Any insurance also ends on your 70th birthday. 

‘your insurance may change depending on your situation...’ 

tip 

For both Spouse and Shelter accounts, our insurer AIG Life, requires you to complete a Confidential Personal Statement, and you may have to meet underwriting conditions. 

www. healthsuper. com. au 39 

did you know? 

If you resign, any income protection insurance will cease straightaway. Any death and disablement insurance you had could also end.* 

If your break in service is longer than 4 weeks (for full/part-time) or 8 weeks (casual), Health Super sends you a letter about your options. Your super may be moved to a Health Super Shelter account, in which case your insurance will change. 

* Additional conditions also apply. See ‘when you are no longer insured’ on page 49 and ‘when your income won’t be protected?’ on page 50. 

did you know? 

If you re-join Scheme from a Shelter account, you will receive only the automatic level of Scheme cover, and will have to re-apply for additional insurance for which you may have been previously accepted. 

about your insurance with Health Super 

at a glance 

• Great value.
  
  

• You can be covered for
  death, disablement and
  loss of income.
  
  

• No upfront costs –
  premiums come out of
  your super account. ^
  
  

• Apply to increase your cover at any time.
  
  

^ The cost of your insurance cover is deducted from your Health Super account. This will appear on your super Statement. 

To help cover cost of administration, Health Super will receive remuneration from AIG. This will be to the value of one cent per dollar cost of a unit of death, disablement and income protection that our members receive. 

great value 

insurance at your fingertips 

Health Super has a range of insurance options you can choose from. What’s more, the cost comes out of your super account – not directly from your pocket. So it’s easier for you. 

This booklet tells you how to:

✓ estimate how much cover you'll need (see page 46);*

✓ choose your insurance type and pick your level of cover;

✓ change your insurance at any time - increase*, reduce or opt-out, and more. 

* Subject to satisfactorily completing a Confidential Personal Statement and meeting underwriting conditions. 

here’s what you can get 

The type of insurance you can have depends on the type of account you have with Health Super – Scheme, Shelter or Spouse. Here’s how it works. 

account type

death and disablement (see page 42)

income protection (see page 44)

Scheme

✓

✓1

Shelter

✓2

✗

Spouse

✓2

✗

did you know? 

If you're a Scheme member with automatic insurance, you're covered for death, disablement and loss

of income as a result

of sickness or injury for just $2.75 a week.*

* Subject to conditions 

‘it’s easy, the cost just comes out

of your super account not your wallet. . .’ 

40 Securing your lifestyle 

1 Provided you work at least 20 hours per week (on average over 3 consecutive months). 

2 For super accounts over $1,000. Eligible for death and disablement insurance only if gainfully employed and work for at least 20 hours per week (on average over 3 consecutive months) at the time of applying for insurance cover. 

who receives my death benefit? 

If you haven't already done so, you can nominate whom to leave your death benefit to if you die. Simply complete a Nominating your beneficiaries form. If you die while a member of Health Super, we will pay your death benefit to one or more of your dependant/s and/or legal personal representative. 

It’s important to note that your nomination is only a guide for the Health Super Trustee who is obliged to pay your death benefit in accordance with the Trust Deed

and superannuation laws. You can download the latest copy of the Trust Deed from www. healthsuper. com. au 

how to change your insurance 

At Health Super, we understand the importance of peace of mind. If something should happen to you, you want to make sure you and your family will be able to cope. That’s why you can apply to increase your level of insurance

at any time. 

Here’s how to change your insurance. 

• 1  Choose your insurance type
  Check the table on page 40 to see what type of insurance you can get with your account. To see which account you’ve got and what your options are, check your Welcome Letter included in the mail out pack.
  If you want to stick with the insurance that is offered to you automatically, then you don't need to do anything.
  
  

• 2  Pick your level of insurance
  Next, you need to work out how much insurance you need. First, take a look at how much insurance you can get automatically after 1 July 2004 (this will appear on your Welcome Letter). Will it be enough? To find out, work out how much insurance you think you will need to cover lifestyle expenses. Bills, education fees, day-to-day costs, you name it. Just write it down.
  
  

• 3  Complete the form
  If you decide to increase your level of insurance, you must complete an Insurance Form and a Confidential Personal Statement (CPS) at www.healthsuper.com.au. The CPS can also be download from www.healthsuper.com.au
  All requests for increases in insurance cover are subject to the satisfactory completion of the CPS and meeting underwriting conditions (e.g. health history). If you want to apply to reduce or opt out of insurance just complete the relevant section of the Insurance Form.
  
  

• 4  Send
  Send your completed form and CPS to:
  Health Super
  Locked Bag 27 Camberwell VIC 3124
  You will be advised if additional information is required.
  
  

• 5  Receive
  If approved by AIG Life, your additional insurance cover begins from the date of the letter of acceptance.
  
  

try our calculator 

As a guide to how much insurance cover you may need, log onto www.healthsuper.com.au 

what does

20 hours mean? 

The 20 hours per week (on average over 3 consecutive months) includes all sources of employment including your primary job or other jobs you may have e.g. part-time jobs. 

where to start 

To help decide how much you’ll need:

• for death and disablement insurance, go to page 42. • for income protection insurance, go to page 44. 

For help reducing or cancelling your insurance, go to page 53. 

www. healthsuper. com. au 41 

death and disablement insurance 

at a glance 

• Low cost per unit per week – death only – $0.63, death and disablement – $1.05.*
  
  

• Apply to increase your cover at any time.*
  
  

• Covered for death until age 70 and disablement until age 60.

available with 

• Health Super Scheme, Shelter and Spouse accounts.

* A premium loading may apply if your application does not meet the standard underwriting conditions (see page 53). 

protection 

with a one-off payment if you die or become disabled 

Sometimes things in life don’t always go as planned. That’s why it’s important

to make sure you’re covered in case of the unexpected. With our death and disablement insurance, you can get a one-off payment if you cease employment because you become totally and permanently disabled, or die. 

great value insurance 

This insurance gives you so much for so little. The cost will depend on your level of insurance – that is, how many units of insurance you choose. 

To make it easy for you, the premiums are deducted directly from your Health Super account. It will impact on your overall super account balance, but you can monitor costs on your super Statement. 

how to apply for additional insurance 

See the ‘how to change your insurance’ section on page 41. 

how much additional death and disablement cover can you apply for? 

This will depend on the type of account you have (Scheme, Shelter or Spouse),

and the amount of hours you work a week (averaged over a consecutive 3 month period) at the time of your application. 

over 20 hours a week 

Scheme accounts: 

You can apply for up to $5,000,000 for death and $2,000,000 for disablement insurance. 

Shelter and Spouse accounts: 

You can apply for a maximum total of 8 units of death and disablement insurance if you have more than $1,000 in your super account.

under 20 hours a week 

Scheme accounts: 

You can only apply for a maximum total of 8 units of death and disablement insurance. 

Shelter and Spouse accounts: 

You cannot apply for death and disablement insurance, but you can apply for up to

8 units of death only insurance if you have more than $1,000 in your super account.

42 Securing your lifestyle 

24 or under 

25 

26 

27 

28 

29 

30 

31 

32 

33 

34 

35 

36 

37 

38 

39 

40 

41 

42 

43 

44 

45 

46 

47 

48 

49 

50 

51 

52 

53 

54 

55 

56 

57 

58 

59 

60* 

61* 

62* 

63* 

64* 

65* 

66* 

67* 

68* 

69* 

$38,000 

$36,000 

$34,000 

$32,000 

$30,000 

$30,000 

$30,000 

$30,000 

$30,000 

$30,000 

$30,000 

$28,000 

$26,000 

$24,000 

$22,000 

$20,000 

$19,000 

$18,000 

$17,000 

$16,000 

$15,000 

$14,000 

$13,000 

$13,000 

$12,000 

$11,000 

$11,000 

$10,000 

$9,000 

$8,000 

$8,000 

$7,000 

$6,000 

$5,000 

$5,000 

$4,000* 

$4,000* 

$4,000* 

$4,000* 

$4,000* 

n/a 

n/a 

n/a 

n/a 

n/a 

$83,100 

$83,100 

$83,100 

$83,100 

$83,100 

$83,100 

$83,100 

$83,100 

$83,100 

$83,100 

$83,100 

$77,900 

$72,700 

$67,500 

$62,300 

$57,100 

$51,900 

$46,700 

$42,500 

$38,400 

$35,200 

$32,100 

$29,000 

$25,900 

$22,800 

$20,700 

$18,600 

$16,500 

$14,500 

$12,900 

$11,300 

$10,200 

$9,200 

$8,200 

$6,200 

$5,200 

$4,100 

$4,100 

$4,100 

$4,100 

$2,200 

$2,000 

$1,800 

$1,700 

$1,500 

tip 

When you apply for additional death and disablement insurance cover,

until the cover is accepted or declined, you will be covered in the interim for accidental death for the amount you applied or $250,000, whichever is less. 

$249,300 

$249,300 

$249,300 

$249,300 

$249,300 

$249,300 

$249,300 

$249,300 

$249,300 

$249,300 

$249,300 

$233,700 

$218,100 

$202,500 

$186,900 

$171,300 

$155,700 

$140,100 

$127,500 

$115,200 

$105,600 

$96,300 

$87,000 

$77,700 

$68,400 

$62,100 

$55,800 

$49,500 

$43,500 

$38,700 

$33,900 

$30,600 

$27,600 

$24,600 

$18,600 

$15,600 

$12,300 

$12,300 

$12,300 

$12,300 

$6,600 

$6,000 

$5,400 

$5,100 

$4,500 

$415,500 

$415,500 

$415,500 

$415,500 

$415,500 

$415,500 

$415,500 

$415,500 

$415,500 

$415,500 

$415,500 

$389,500 

$363,500 

$337,500 

$311,500 

$285,500 

$259,500 

$233,500 

$212,500 

$192,000 

$176,000 

$160,500 

$145,000 

$129,500 

$114,000 

$103,500 

$93,000 

$82,500 

$72,500 

$64,500 

$56,500 

$51,000 

$46,000 

$41,000 

$31,000 

$26,000 

$20,500 

$20,500 

$20,500 

$20,500 

$11,000 

$10,000 

$9,000 

$8,500 

$7,500 

$831,000 

$831,000 

$831,000 

$831,000 

$831,000 

$831,000 

$831,000 

$831,000 

$831,000 

$831,000 

$831,000 

$831,000 

$779,000 

$727,000 

$675,000 

$623,000 

$571,000 

$519,000 

$467,000 

$425,000 

$384,000 

$352,000 

$321,000 

$290,000 

$259,000 

$228,000 

$207,000 

$186,000 

$165,000 

$145,000 

$129,000 

$113,000 

$102,000 

$92,000 

$82,000 

$62,000 

$52,000 

$41,000 

$41,000 

$41,000 

$41,000 

$22,000 

$20,000 

$18,000 

$17,000 

$15,000 

death and disablement insurance 

choose a level of death and disablement insurance 

Use the table below to compare how much insurance you could get before and after 1 July 2004 according to: 

• your age; and
  
  

• how many units you have.
  You can choose to reduce or cancel your insurance at any time. See page 53 for details.
  
  

1 unit 

death & TPD

death only

$0.50 per wk 

$0.50 per wk 

$40,000 

$1.05 per wk 

$0.63 per wk 

$83,100 

new scale from 1 July 2004 

Age at 1 July 2004 

1 unit 

3 units 

$3.15 per wk 

$1.89 per wk 

$249,300 

5 units 

$5.25 per wk 

$3,15 per wk 

$415,500 

10 units 

$10.50per wk 

$6.30 per wk 

* Death only Cover is from age 60 onwards. The same conditions apply for death only cover. 

death and TPD: 

You can apply for

any number of units (see left table). Simply multiply the cost $1.05 per unit by the number of units you want. 

Imagine you want 15 units of cover. The cost would be: $1.05 per week x 15 units = $15.75 per week. 

old scale before 1July 2004 

death only cover 

You can apply for

any number of units (see table). Simply multiply the cost $0.63 per unit by the number of units you want. 

Imagine you want

15 units of cover. The cost would be: $0.63 per week x 15 units = $9.45 per week. 

www. healthsuper. com. au 43 

income protection insurance

get paid 

monthly if you’re unable to work 

Now you can get paid if you're unable to work temporarily. With Health Super's income protection insurance, you can apply to get paid up to 75% of your monthly pay packet for up to 2 years (after a 90 day waiting period).

This is paid if you become temporarily disabled while employed. 

Just choose the level of cover that suits you. 

at a glance 

• Provides you an income if you fall sick or have an accident and become temporarily disabled while employed.
  
  

• Low cost first 2 automatic units costing $1.70 per week.
  
  

• Apply to get up to 75% of your gross income paid monthly (after a 90 day waiting period) for up to 2 years.
  
  

• Ceases at age 60.
  
  

• You must work at
  least 20 hours a week (on average over 3 consecutive months) to be eligible. Otherwise you won't be covered.
  
  

available with 

• Health Super Scheme accounts only.
  
  

• You must also have death and disablement insurance.
  
  

44 Securing your lifestyle 

be careful not to under insure yourself 

Can you afford to live on $750 a month? If the answer is yes, the good news is

this is the amount of income protection cover you'll get automatically when you join Health Super as a Scheme member. If the answer is no, then you'll need to look at whether it is worth increasing your cover (refer to next page). 

when should you increase or cancel income protection? 

over 20 hours a week 

If you work more than 20 hours per week (on average over 3 consecutive months) you can apply for more cover as long as: 

• • • 

the increase in protection is up to a total of 75% of your gross income or $19,500 per month, whichever is less; 

you have death and disablement insurance with Health Super (you cannot have income protection insurance on its own); and 

you satisfactorily complete the Insurance Form and a

Confidential Personal Statement and meet underwriting conditions. 

If approved by AIG Life, your additional insurance cover begins from the date of letter of acceptance. 

under 20 hours a week 

If after your income protection has been accepted, your hours fall under 20 hours per week (on average over 3 consecutive months), you will cease to be eligible for income protection. It's important that you notify us immediately so that the premium deductions will stop. This will cease from the at date you advise us. 

You can reduce or cancel your income protection at any time. See page 53.

income protection insurance 

work out how much you need 

Your income is a valuable asset. So make sure you have enough cover in case something goes wrong and you can't work. Follow these steps to see how much income protection insurance you can get, and how to apply for more. 

1 Look at how much automatic income protection cover you can get. 

The automatic level of 2 units for a Scheme account is shown below. This gives you an income protection payment of $750 a month for only $1.70 a week. The cost for each additional unit (i.e. on top of the automatic 2 units) is also set out below (see step 2). 

number your annual of units gross 

income 

75% of weekly your income cost* 

per month (income protection)

1 $6,000 $375 $0.85

2 (automatic level) $12,000 $750 $1.70

* The weekly cost is calculated on a 90 day waiting period. The waiting period commences from the date you are first examined and certified by a registered Medical Practitioner as being temporarily disabled. 

2 See how much it will cost to apply for up to 75% of your income. 

}< 40 years 40 - 44 45 - 49 50 - 54 55 - 59 

$0.64 $1.05 $1.46 $2.01 $2.64 

number your annual of units gross 

income 

75% of weekly your income cost* 

per month (income protection)

3 $18,000 $1,125

4 $24,000 $1,500

5 $30,000 $1,875

10 $60,000 $3,750

20 $120,000 $7,500

30 $180,000 $11,250

example 

Jenny is 39 and earns $40,000 a year as a Nurse, and she would like to insure herself for $1500 a month (which is 75% of her salary). That means she will need to insure herself for 4 units of cover. To calculate the additional cost, all she would do is this. 

1. subtract: First subtract her automatic number of units from the total number. (i.e. 4 units - 2 units = 2 additional units) 

2. multiply: Using the age table, she would multiply the number of additional units (i.e. in this case 2 units X $0.64 per week = $1.28 per week). 

3. add: Then she would add the $1.70 (automatic cost of 2 units) to the cost (i..e. $1.28 + $1.70 = $2.98 per week be deducted from her super account). 

your options when you get a pay rise 

You can increase your income protection insurance by no more than 2 units every 3 years with any salary increases. Just make sure you supply us your completed Insurance Form within one month of the effective date of your salary increase, and provide us evidence

of the increase.You will not be required to complete the Confidential Personal Statement. Call 1800 33 17 19 for an Insurance Form. 

no longer working? 

If you resign or become redundant, your income protection insurance will cease. 

how to apply for additional insurance 

See the ‘how to change your insurance’ section on page 41. 

cost of additional units 

(first 2 units $1.70) 

your cost per age additional 

unit 

did you know? 

As a Health Super Scheme member, you get automatic income protection cover. This means premiums are automatically deducted from your super account (unless you opt-out of income protection). 

'take the stress out of getting seriously ill by insuring part of of your pay...' 

did you know? 

The cost of income protection isn’t tax deductible on your

tax return, because the premium comes from your super account. 

www. healthsuper. com. au 45 

‘simple questions and examples

to help you’ 

estimate how much cover you may need

questions

an example

your estimate

A. Think of your current debt levels. Include mortgage, car loans, personal loans, margin loans, credit cards, etc. How much does that add up to?

e.g. $400,000

B. Estimate how much a funeral, etc. would cost in case you die.

$5,000

C. How much would you like to leave your family in case you die, after all the debts and expenses have been paid off?

$100,000

D. Add up (A), (B) & (C).