Please contact the BT Super for Life Customer Relations Team on 1300 776 417 if you have any questions. Take a look at our frequently asked questions below. BT Super for Life accounts can provide insurance to help if you become ill, injured – or worse. You will need to satisfy a condition of release to access these funds. When you join BT Super for Life, pre-approved Standard insurance cover will automatically start for eligible members1 when your account balance reaches $6,000, provided you are 25 or older. Investing can help you lay the foundations for your best possible financial future by growing wealth and building financial security. 1This information has been prepared without taking account of your objectives, financial situation or needs. Please contact Member Services on support@investsmart.com.au or 1300 880 160 Please click on the ACTIVATE button to activate your Eureka Report 15-day free trial Please click on the ACTIVATE button to activate your Intelligent Investor 15-day free trial Westpac SuperCheck involves a search for superannuation being undertaken by BT Funds Management Limited ABN 63 002 916 458, AFSL No.233724 (BTFM), the trustee and issuer of interests in BT Super for Life, which is a part of Retirement Wrap ABN 39 827 542 991. BT Super for Life is a super fund you can easily take from job to job and that you can manage with your online banking. Two subsidiaries of Australia's second largest bank — Westpac Life and BT — are being sued in a Federal Court class action by potentially thousands of their superannuation members. You receive standard insurance cover for Death and Total & Permanent Disability (TPD), without the need for a medical assessment, when you open a BT Super for Life – Super account (subject to eligibility criteria and you having money in your account). We'll invest your super for you in a Lifestage Fund or you can choose from 38 other investment options. It's done online (through Internet Banking) so it can be completed anytime, anywhere. Customer Reference Number: Individual 9 digit account number (1*****) Biller Code: 31864 for Superannuation Guarantee contributions; 31880 for Salary Sacrifice contributions; 31872 for Employer Additional contributions; 31898 for Member Voluntary contributions (after tax) Details cannot be used for contributions for other employees. Please refer to the Additional Information Booklet for more information about ‘What exclusions apply to Standard Cover'. Other exclusions also apply. * BT SuperWrap and BT Panorama Super are administered by BT Portfolio Services Limited ABN 73 095 055 208. This means you can use BT Online from 'public' computers (like Internet Cafes) without having to worry about your Investor Number and BT Online password remaining on the computer as a cookie. BT Super for Life Transaction Processing Delay for Members 21 February 2017 On 18 March 2017, we’ll be moving some members’ super balances to the BT MySuper Lifestage investment options (MySuper) to meet government regulatory requirements. Without a phone number, your employer would be unable to contact your chosen superfund. BT phone number: 132 135 Mon-Fri 8:30am-5:30pm (AEST) The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and you should consider its appropriateness with regard to these factors before acting on it. Super has two key restrictions which differ to other forms of investment. A super account that’s easy to take from job to job and into retirement, We'll invest it for you or choose to invest in 38 different options. This covers the majority of customers with some statements issued later due to special circumstances. For more information about superannuation as an investment, click here, or talk to a financial adviser. © BT - Part of Westpac Banking Corporation. An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac, St.George Bank, BankSA or Bank of Melbourne (which are Divisions of Westpac), or any other company in the Westpac Group. Contents How super works 3 Benefits of investing with BT Super for Life 9 How we invest your money 13 Fees and other costs 49 How super is taxed 62 Insurance in your super 67 Other information 86 The information in this booklet is general information only and does not take into account your personal financial situation or needs. ABN 39 827 542 991 insurance cover), noting that you may not receive the same type or level of benefits after the rollover. Without a phone number, your employer would be unable to contact your chosen superfund. A working holiday maker is a sub-category of temporary visa holder who holds: We are permitted under, and rely on, ASIC relief under Class Order CO 09/437 to not notify or provide an exit statement to a non-resident in circumstances where we pay unclaimed superannuation to the ATO under Division 3 of Part 3A of the Superannuation (Unclaimed Money and Lost Members) Act 1999. Super fund’s name BT Lifetime – Personal Super Unique Superannuation Identifier (USI) BTA0137AU Member number C Account name Signature Date (dd/mm/yyyy) 11/ 11/ 1111 Once you’ve completed the form, hand it to your employer. The following form allows you to search all of BT. Where a personal contribution has been made in respect of insurance cover, and we are obliged to return the contribution, then your insurance cover will automatically lapse without further notification to you. Other exclusions also apply. This provides insurance cover for Death and Total and Permanent Disablement (TPD). Monday – Friday. for Cash)2. Download the BT Super for Life detailed FAQs, Enhancements to your BT Protection Plans policy. Your individual situation may differ and you should seek independent professional tax advice. A PDS for BT Super for Life can be obtained by calling 1300 653 553 or by visiting bt.com.au. This should be read in conjunction with the BT Super for Life PDS. These consequences may change in the future. Please refer to the, Westpac SuperCheck involves a search for superannuation being undertaken by BT Funds Management Limited ABN 63 002 916 458, AFSL No.233724 (BTFM), the trustee and issuer of interests in BT Super for Life, which is a part of Retirement Wrap ABN 39 827 542 991. You need to provide the phone number, for similar reasons you need to provide an address. There is no maximum age; however conditions regarding contributions apply from the age of 65. BT Super for Life - MySuper Lifestage Fund: Past performance - 5 Years: 7.68%: Annual admin fee: $108 + 0.28% of balance p.a. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose interests into BT Super for Life. Cover is subject to a pre-existing conditions exclusion. Request to transfer form (PDF 302 KB)* Complete this form if you wish to rollover your existing super funds into your BT Super for Life account. There is no charge for accepting any rollovers, however before requesting the rollover, you should consider where your future employer contributions will be paid (if your employer contributions are currently being paid to another fund) and check with your other fund(s) to determine whether there are any exit or withdrawal fees for moving your benefit, of other loss of benefits (e.g. With BT Super for Life, you can turn the points that you earn on an eligible credit card into superannuation. Message for former BT Business Super and BT Lifetime Super Employer Plan members: With the transfer to BT Super now complete, the way you access your super account online has changed. Any remaining outstanding accrued administration fees will be deducted at the time that a full withdrawal from BT Super for Life is processed. Please check to see if you are covered before submitting your application. Need help? Compare Super Funds. Because of this you should, before acting on this information, consider the appropriateness, having regard to your objectives, financial situation and needs. In the event that your balance is insufficient to deduct the administration fee, the fees will accrue until the balance, on the first business day of the month, becomes sufficient to draw the accrued fees. a subclass 462 (work and holiday) visa, or. You may not be covered for injuries or illnesses that have arisen since you took out previous insurance, and you may lose loyalty benefits. Note: A temporary resident is a holder of a temporary visa under the Migration Act 1958. Refer to the Additional Information Booklet for further information. To find out if you already have life insurance included in your plan please check your new member or annual statement. Before you complete You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto. They're pretty low fee (.95%, I believe), and while the performance over the entire time hasn't been fantastic, that's a … Prepare for your best financial future – discover how our superannuation accounts can help you save for retirement. Get exclusive offers on everyday things like movie tickets, holidays, insurance, shopping and more. Complete this form and hand it to your employer or payroll manager. BTFM is a subsidiary of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and you should consider its appropriateness with regard to these factors before acting on it. A BT Super for Life – Super account can be held by anyone old enough to access Internet Banking. Any taxation position described is a general statement and should only be used as a guide. BPay Reference: your BT Super for Life account number. I'm with BT Super for Life and have been for about 4 years. They are part of the super fund known as Retirement Wrap ABN 39 827 542 991 (RSE 1001327), for which BT Funds Management Limited ABN 63 002 916 458 RSE L0001090 is the trustee. Plus, when you convert points into super dollars contributed to your own account, it counts as personal after-tax contributions, which may help you qualify for a Government co-contribution (other conditions apply). Ensure you include this phone number on your Super Choice Form If you have a pre-existing medical condition you may not receive a benefit for a death or Disablement claim. Discover the benefits of insurance in letting you plan for the best, and helping you take care of yourself and those you love when you need it the most. the date a temporary resident permanently left Australia. BT Super for Life - MySuper ... this isn't to say that everyone will retire with the same amount of super. Together with AIA, we can provide a range of programs to support your health and recovery. A Product Disclosure Statement (PDS) for BT Super for Life can be obtained by calling 1300 653 553 or by visiting bt.com.au. BT Super for Life offers a general super account for those working, a Transition to Retirement account and a Retirement account. To find out more about bt life insurance call bt customer relations on 132 135. Once you decide to withdraw from your BT Super for Life account, we can pay into any eligible bank account outlined in our Detailed FAQs document. As always, if members have any questions about their super account, please call 132 135 from 8.30am to 5.30pm (Sydney To receive all correspondences relating to your BT Super for Life Savings Account, including annual reports, annual account holder statements, transaction confirmations, and any PDS for investment options, via email, post, phone, or any other way described in the BT Super for Life Product Disclosure Statement (PDS) If you're working and saving for retirement, a BT Super for Life – Super account allows you or your employer to add money to your superannuation with ease. AFSL 233724 The phone number for BT Super for the BT Lifetime - Personal Super product is 132 135. Their claims philosophy is simple – helping members when they need it most and making sure every claim that should be paid is paid at the right time. BTFM is a subsidiary of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). Pre-existing conditions exclusions apply. BT phone number: 132 135 Mon-Fri 8:30am-5:30pm (AEST) The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and you should consider its appropriateness with regard to these factors before acting on it. Request your employer to make contributions to your BT Super for Life account. Please call BT Customer Relations on 1300 653 553. the date a temporary resident's visa ceased to be in effect; and. There is no need to complete medical checks. Please refer to the PDS and Additional Information Booklet for further information. If you are not already a customer with one of these banks, you can still apply online and you'll be set up with a profile with Westpac. There is no maximum age; however conditions regarding contributions apply from the age of 67. You can access wellbeing and rehabilitation programs, to help you get back to the life you enjoy. Usually your annual statement will be available via your internet banking at the end of July. BT Super for Life Financial Services Guide 3 The fees and costs payable depend on the investment option you choose – refer to the Additional Information Booklet for further information. It does not constitute tax advice and is based on current tax laws and our interpretation. The BT Super for Life Product Disclosure Statement is referred to as the PDS. To access this system and for full information regarding DASP and current taxation rates can be found at www.ato.gov.au. By continuing to use this site we assume you're ok with our notice. Before requesting a rollover, you should consider where your future employer contributions will be paid (if your employer contributions are currently being paid to another fund) and check with your fund(s) to determine whether there are any fees, including exit or withdrawal fees, for moving your benefit, or other loss of benefits (e.g. (0.24% p.a. Ideas and tips to help you to prepare for your best financial future. By choosing to roll your other super funds into BT Super for Life, you could save on multiple account keeping fees – which can make a big difference to your retirement savings over time. Please refer to the Additional Information Booklet for more information about ‘What exclusions apply to Standard Cover'. You can find your member number in your welcome pack, annual statement and most letters. We may already have your TFN on file. Yes, it will be the Lifestage Fund appropriate for you (i.e. BT Super and BT Super for Life members can log in via their Westpac, St.George, Bank of Melbourne or BankSA online banking - or bt.com.au/btsuperportal. You need to provide the phone number, for similar reasons you need to provide an address. The Government has set limits, known as 'caps' on the amount of money you can add to superannuation each year before you pay additional tax. Some cover is provided without medical checks to eligible* members. Other fees and costs may apply depending on investment, insurance and advice decisions. No they are not. your beneficiaries may access your benefits if you die. But you can tell us if you want insurance cover to start earlier, or if you don’t want insurance cover in your account. Ensure you include this phone number on your Super Choice Form Example: If you're between your preservation age and 65 and you have a BT Super for Life – Super account, you may also be eligible for a BT Super for Life – Transition to Retirement account, allowing you to withdraw money from your super while you still work (and make contributions to your BT Super for Life – Super account). BT Super for Life Additional Information Booklet. Insurance fees are paid from your super balance. Your individual situation may differ and you should seek independent professional tax advice. If you want to apply for additional insurance cover, including Salary Continuance Insurance (SCI) cover, call us on 132 135.. 2 The Administration fee for the Cash investment option is currently $9.00pm + 0.24% pa. Open a BT Super for Life account; Open a BT Super for Life account. There is no maximum age; however conditions regarding contributions apply from the age of 65. 230043 is the issuer of insurance cover offered through BT Super for Life. Finding super money that you may have lost track of or didn't know you had is a great way to boost your super. BT phone number: 132 135 Mon-Fri 8:30am-5:30pm (AEST) The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and you should consider its appropriateness with regard to these factors before acting on it. Make regular contributions and monitor how your funds grow over time with a BT Super for Life – Super account. Cover is subject to a pre-existing conditions exclusion. BT Super for Life GPO Box 3958 SYDNEY NSW 2001 Questions? Bt Super For Life Product Disclosure Statement Pds Contents . It may also be more difficult to find or consolidate your superannuation benefits in the future. 8:30am–5.30pm Sydney time It’s not compulsory to provide your TFN, however by having your TFN, we can accept personal after tax contributions into your account, and ensure you don’t pay more tax than you otherwise would on your contributions and the payments you receive from your BT Super for Life account. The phone number for BT Super for the BT Super for Life - Savings product is 1300 653 553. Since 1 July 2020, we have partnered with AIA Australia Limited (AIA) to bring our BT Super for Life members help when they need it most. The information shown on this site does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. The BT Super for Life Administration Fee will be deducted on the first business day of each month. Once you've applied, you'll log in to Westpac online banking to view your fund, but there's no obligation to hold any other accounts with Westpac until you wish to withdraw from your BT Super for Life account. Monday - Friday, BT Super for Life Product Disclosure Statement A Product Disclosure Statement (PDS) for BT Super for Life can be obtained by calling 1300 653 553 or by visiting, AIA Australia Limited ABN 79 004 837 861, AFSL No. The phone number for BT Super for the BT Lifetime Super Employer Plan product is 132 135. PLEASE READ BEFORE SIGNING THIS FORM This Application Form, forms part of the BT Super for Life Product Disclosure Statement (PDS). Further information about the insurance available through BT Super for Life is included in the, Enhancements to your BT Protection Plans policy, BT Super for Life Product Disclosure Statement, BT Super for Life Financial Services Guide, BT Super for Life Additional Information Booklet. What is BT Super's phone number? Open an account in 5 minutes. The fund is designed to cater to all your superannuation needs throughout life, and the accounts you hold will depend on your goals and your stage in life. If you're at the age you can retire, you can start to withdraw from your super, even if you are still working, with a BT Super for Life – Transition to Retirement account. If the application is approved and the insurance cover has been activated1, the cost of the insurance cover will be based on your age, occupation, gender, smoker status, pastimes and pursuits and the type and amount of cover requested. And why do I need it? How to make super payments ABN stands for Australian Business Number. The account changes when you reach 65 or meet other criteria to be eligible for a BT Super for Life – Retirement account. A Product Disclosure Statement (PDS) for BT Super for Life can be obtained by calling 1300 653 553 or by visiting bt.com.au. Investing can help you lay the foundations for your best possible financial future by growing wealth and building financial security. No commissions, withdrawal or contribution fees means more money in your super account. Find out more about the eligible credit cards: If you've changed your name or your address a few times, your previous super funds may not have been able to get in contact with you – so you may have super you've lost track of. Find out more about AIA and how we help our members, SPIN BTA0287AU 1 Please refer to the Product Disclosure Document (PDS) and Additional Information Booklet for details about insurance, the eligibility terms and conditions, and when cover is activated. Yes, there is a 14 day cooling-off period during which you can reconsider your investment. 8:30am-5:30pm Sydney time Applications to claim your benefit can be made using the ATO DASP Online application system. You can even transfer your points on an eligible card to your spouse or child's BT Super for Life – Savings account. We offer sustainable investment options that consider economic, social and environmental impacts. Ideas and tips to help you to prepare for your best financial future. Manage your super online with your Westpac, St.George, Bank of Melbourne and BankSA everyday banking. Once your benefit has been transferred to the ATO you will need to claim it directly from the ATO. Our notice explains how we use cookies and how you can manage them. RSE R1001327, ABN 63 002 916 458 BT Financial says it only takes about 10 minutes to apply online.
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