MLC Claims - We go the extra mile

Insurance from MLC
Adviser use only
We go the
extra mile
MLC Claims
Contents
This brochure is
designed to bring
you up to date with
the latest changes
and improvements in
MLC Claims.
Her’s what you’ll find within
this document
Important information
This brochure is solely for MLC Financial
Adviser use and is not intended for
general distribution.
MLC Limited (ABN 90 000 000 402,
AFSL 230694) of 105-153 Miller Street,
North Sydney NSW 2060, is a member of
the National Australia Group of companies.
Contents
Here’s what you’ll find
within this brochure.
Introduction and welcome
1
The MLC Claims team structure
2
Pay & Finalise – a speedy and
simple solution
3
Pay & Finalise – case study
4
To work or not to work
6
It can happen to anyone – the
evidence
8
Living the message – real
life case studies
9–11
Delivering on 12–15
our promise
– statistical proof
How we process your client’s claim
16
How you can help the process
18
Keeping your clients informed
19
Want to find out more?
20
MLC Claims – We go the extra mile Page 1
Welcome to the new
world of MLC Claims
I’m very proud of our
exceptional Claims
team here at MLC and
what we do to support
you and your clients at
their time of need.
Natalie Eckersall
I’m equally proud of how we deliver
on our promise as insurers, which is
reflected in our team purpose statement.
‘We are committed to providing the
best claims operation in Australia,
as measured by client satisfaction.
Our purpose is to effectively
support the client by making the
right decision fast and partnering to
facilitate their return to work.
We aim to make the claims process
simple and convenient for policy
owners and treat all beneficiaries
with respect and compassion.’
Our Claims leadership team has
over 86 years’ experience in the life
insurance industry.
Effective claims management is critical
for any life insurer.
At MLC we’re committed to being there
when your clients need us most.
Last year we paid out $566 million1 in
claims, that’s around $2.3 million each
business day.
Working in partnership with you,
we’re ready to support both you and
your clients.
Throughout this brochure you’ll find
quotes from advisers and clients as
testimonials to the help they’ve received
from our Claims team.
These real life stories remind me and my
team of just how important it is for us to
deliver the very best service offering to
you and our clients.
I sincerely thank you for your ongoing
support and partnership.
Natalie Eckersall
General Manager, MLC Claims
1 This figure covers Retail and Group claims paid up to 30 September 2012.
Page 2 MLC Claims – We go the extra mile
The MLC Claims
team structure
Supporting you
and your clients
Our structure is designed to support
you and your clients through the
claims process and help them with
their return to work.
We’ve organised our teams so that
we provide the best possible service
offering and support to you and
your clients.
Our structure delivers:
• a significant improvement in service
experience through initiatives like
‘Pay and Finalise’
• greater partnering with our clients to
help them return to work by offering
services such as rehabilitation
support. This service can help your
clients get back to suitable work, or
retrain for new work opportunities,
while focussing on restoring their
fitness and confidence, and
“Thank you for all your support and
help you have given me while I have
been unwell.
It is fabulous being back in full-time
work and I have MLC to thank for
putting me through rehabilitation.
You really have saved my life.”
A comment from one of our
clients who went through our
rehabilitation program.
• dedicated resources including
legal, accounting and medical
specialists. These provide support
with claims management, training and
staff education.
We continuously review our process and
structure to make sure we offer you and
our claimants the very best service.
You can learn more about our current
structure and the individual managers
who lead these great teams on our
website at mlc.com.au
MLC Claims – We go the extra mile Page 3
Pay & Finalise
A speedy and
simple solution
We review every claim received to see
if it meets our Pay & Finalise criteria.
If it does, we assess the claim for
eligibility, review the medically
advised period of disability and then
pay the full benefit amount upfront
to finalise the claim.
This typically happens within five days of
receiving the completed claim forms.
This helps the client to focus on returning
to work and getting on with their life.
Our Pay & Finalise criteria is constantly
evolving as we continuously improve our
service offering, but some examples of
claims that fall into this category include
those where:
• there’s appropriate medical
certification for the anticipated
period of disability
• there are no complications (medical or
otherwise) which would delay a return
to work
• the nature of the disablement can be
objectively supported, eg fractures or
hernias (claims which are subjective
in nature are generally not suitable),
and
• there are no disclosure or
pre‑existing concerns.
Where a claim is accepted for Pay and
Finalise, we’ll pay the benefit up to the
anticipated return to work date.
This is without the need for any further
supporting documentation, such
as ongoing medical certification or
additional forms.
This also means that neither you, nor
your client, need to provide paperwork
on a monthly basis for the ongoing claim.
“A client of mine, who is also a close
personal friend, had reason to claim
for a very short time on her MLC
Income Protection late last year.
I spoke to her on the weekend at
a social function we were both
attending and she had huge praise
for the gentleman from MLC who
handled her claim and spoke to
her on the phone with regard to it.
His level of care and genuine
interest in her well-being was
greatly appreciated and she
was very impressed with the
whole experience.”
A comment from one of our
advisers whose client had
made a claim.
Page 4 MLC Claims – We go the extra mile
Pay & Finalise in action
John2
An accountant
John has Income Protection (IP).
On 26 October 2012, he suffered
a fractured tibia due to a fall.
John lodged his IP claim with us on
14 November 2012.
John
Accompanying his claim form was
medical certification which indicated
that he would be unfit for work until
21 December 2012.
It also came with a medical report
which accurately detailed the full nature
of his injury.
and that he was expecting to return to
work in late December 2012.
As a result of the conversation with John,
who was confident of a return to work
within a reasonable period, we paid his
claim in full for the period 26 October
2012 to 21 December 2012.
This was without the need for any further
medical evidence or other statements of
continued incapacity.
John received an IP benefit of just under
$11,460 for the period of disability
and successfully returned to work in
late December.
We contacted John on receipt of the
claim form, where he indicated that
there was good progress of the injury,
2 The client’s name has been changed for privacy reasons. This photo is for illustrative purposes only.
MLC Claims – We go the extra mile Page 5
To work or
not to work
It’s true, work is good
for you.
The Royal Australasian
College of Physicians
released a conclusive
piece of research3
which demonstrates
that work is good
for physical and
psychological health
and wellbeing. And it
helps with self-esteem.
Long term
‘worklessness’ is
one of the greatest
risks to health in our
society4, and the
facts are disturbing.5
The facts
• The health risk is equivalent to
smoking 10 packs of cigarettes
per day.6
• There’s a 40-fold increase in
suicide rates for young men that
are out of work for greater than
six months.7
• In fact, the overall suicide rate
increases by six times for those
with longer term worklessness.8
• It creates a greater health risk
than the most dangerous jobs
in the construction industry.4
Yet, in spite of this overwhelming
evidence, it’s clear that this message
hasn’t received widespread acceptance
in Australia, to the frustration of medical
professional bodies.3
What’s the solution?
While the solution to this isn’t simple,
there are still many things that can
be done.
Investment in our people
We’ve developed the claims
management capabilities of our team,
to incorporate bio-psycho-social
factors9 during claim assessment;
recognising that any combination of
these factors can act as a barrier to
recovery and return to work.
Research4 shows that 70% of the
principal barriers for returning to work
are psychological/cognitive and include
the workplace environment.
Rehabilitation expertise
MLC has a dedicated team of in-house
Rehabilitation Consultants whose
priority is to provide help and guidance
to the claimants to resume suitable and
safe work.
They liaise closely with treating doctors
to make sure the support provided is
appropriate and consistent with the
medical advice provided.
Insurance from MLC
How we help you
on the path to
recovery
Rehabilitation Support Program
This is the flyer eligible clients
receive to help them understand
how the MLC Rehabilitation
Support Program helps them.
Page 6 MLC Claims – We go the extra mile
“I found the ongoing support from
the MLC Rehabilitation Consultant
and the External Rehabilitation
Provider to be invaluable … they
have been able to help me with all
issues of providing advice as to the
home environment and part-time
work in a low stress environment.”
A comment from one of our
clients who went through our
rehabilitation process.
“I know without the services of the
External Rehabilitation Provider in
helping me to find a new job that I
could do after my injury, I would still
be claiming benefits.
Early intervention
This helps early recognition of
claims cases that potentially have
bio‑psycho‑social factors which could
act as barriers to full recovery and the
return to full-time work.
It’s essential to actively manage the
claim and engage everyone with a direct
interest in the long-term good health and
wellbeing of the claimant.
Understanding the genuine capacity to
work through proper consultation will not
only help the claimant achieve the right
levels of physical and mental fitness, but
it will also help us manage their claims
effectively and in a sustainable manner.
I am extremely grateful to MLC
and the Rehabilitation Provider for
everything they did to help me get
back to work.”
A comment from one of our
clients who went through our
rehabilitation process.
3 Realising the Health Benefits of Work, Royal Australasian College of Physicians & The Australasian
Faculty of Occupational & Environmental Medicine, 2010.
4 Professor Gordon Waddell, ‘Work, good for your patient’s health and wellbeing’, 2007.
5 Professor Sir Mansel Aylward, FINEOS Claims Global Summit 2011.
6 Ross J. Where do real dangers lie? Smithsonian 1995;8:42-53.
7 Wessely S. Mental health issues. In: K H-E, ed. What about the workers? Proceedings of an RSM
Symposium. London: Royal Society of Medicine Press; 2004:41-6.
8 Bartley M, Sacker A, Schoon I, Kelly M, Carmona C. Work, non-work, job satisfaction and
psychological health: evidence review: Health Development Agency; 2005.
9 Preventing incapacity in people with musculoskeletal disorders, Gordon Waddell, July 27, 2006.
MLC Claims – We go the extra mile Page 7
It can happen
to anyone
No matter whether
they’re male or female,
a critical illness can
strike at some stage in
your clients’ lives.
Who needs Critical Illness insurance?
The general population data shown below is based on being aged 30 now.
20%
21%
3%
12%
14%
4%
1%
15%
7%
41%
Statistically, before the age of 70 you:
ill be diagnosed with cancer
w
will have a heart attack
will suffer a stroke
will suffer from another critical illness
will die from something other than a critical illness, or
will not have suffered a critical illness
Source: Munich Reinsurance Group in Australasia, 2009.
Page 8 MLC Claims – We go the extra mile
4%
58%
Living the message:
‘We go the extra mile’
Ken10
A self-employed real
estate manager
Ken developed anxiety and depression
and, as a result, sold his business, and
consequently had no job to return to.
Ken
Ken’s claim was reviewed by the MLC
Rehabilitation Consultant, as he was
very keen to explore employment
opportunities that would help him to
return to work.
Medical evidence confirmed that he
wasn’t able to return to his pre-disability
occupation so new employment
opportunities had to be explored.
Ken was subsequently referred to an
External Rehabilitation Consultant where
an initial assessment was completed
to help in devising a plan to help Ken
to return to the workforce.
As a part of this plan, Ken participated
in a Vocational Assessment (VA)
where suitable employment vocations
in line with Ken’s education, training
and experience as well as his medical
abilities were identified.
The VA options were discussed with
Ken’s treating doctors to make sure
that the recommendations were
medically appropriate.
Ken then took part in a job seeking
program through the External
Rehabilitation Provider (ERP) who
helped him develop a resumé and cover
letter. The ERP also provided him with
strategies and support to help him to
apply for, and attend, interviews.
As a result of this support, Ken was able
to secure employment in an alternative
occupation on a full-time basis, six
months after starting to look for a job.
10 The client’s name has been changed for privacy reasons. This photo is for illustrative purposes only.
MLC Claims – We go the extra mile Page 9
Delivering the
best service
We love hearing
stories of how our
work at MLC can
have a positive impact
on our client’s lives.
One client, Jurek Leon, wrote us this
letter about the experience he had when
he had to make a second claim on his
Income Protection policy.
Letters like Jurek’s remind us just how
important it is to give our clients the very
best service we can.
Jurek
Re: Personal Inco
me Protection Po
licy
Thoughts on how
it was handled by
MLC
Dear MLC,
It’s happened again
. I’d rather it hadn’t
but that’s the
nature of Income Pr
otection insurance.
It’s something
that we policy holde
rs would rather not
benefit from
but are glad to have
.
So, six years after m
y last claim, a ruptur
ed Achilles
tendon brought my
work schedule to a
standstill and I
needed to be back
in contact with MLC
.
How would it be ha
ndled this time, I wo
ndered?
The answer: not muc
h different...and tha
t’s a
compliment and a cre
dit to you and to MLC
.
On this occasion, the
personal contact fro
m you with
this claim is much ap
preciated. At a time
when I was
shocked to learn tha
t such a simple injur
y would have
such a huge impact
on my ability to get thi
ngs done,
it was reassuring to have everything av
ailable to me
explained clearly an
d dealt with prompt
ly.
Page 10 MLC Claims – We go the extra mile
The way you kept m
e informed of my op
tions and
the process that en
sured the claim wa
s handled
smoothly and quick
ly again, reassured
me that Income
Protection is essenti
al – and that insuring
with MLC is
one of the best busin
ess decisions I’ve ev
er made.
I’d rather not be writin
g this testimonial. I’d
prefer it if
I never had a reason
to make a claim. Bu
t none of us
know what lies ahea
d so it makes sense
to pay for
peace of mind.
As I said about my
previous experienc
e with MLC,
I don’t take out insur
ance policies beca
use they’re
worth it; I take them
out because I am wo
rth it.
Thank you for your
help and for remind
ing me that I am
in safe hands with M
LC.
Kind regards
Jurek Leon
Dear MLC,
inal cancer shortly
Our son was diagnosed with term
after his 19th birthday.
palliative
He was started on six rounds of
his affairs in order.
chemotherapy and advised to get
Will, asked for details
Our solicitor, while organising his
of his superannuation fund.
details, we discovered
When we found his MLC super
th benefit.
that it included a life insurance dea
iser we were informed
After consulting our financial adv
death benefit under
that our son could be paid out the
the terminal illness clause.
k we had the
We rang MLC and within one wee
y were very basic
The
out.
fill
to
s
required claim form
and simple to complete.
tly completed the two
Our doctor and specialist promp
plied all test results
medical reports required and sup
requested.
Monday and by
MLC received the papers on the
were released and
the following Monday the funds
k account.
ban
transferred to his nominated
left comfortably
He can now enjoy the time he has
without financial stress.
ful caring staff, that
Thank you MLC, and your wonder
an emotional and
helped us and our son through
stressful time.
This case study is published with the client’s
permission but with their privacy protected.
This photo is for illustrative purposes only.
MLC Claims – We go the extra mile Page 11
Delivering on
our promise
In 2012, over a twelve
month period, we
paid out a total of
$566 million in
claims across all our
insurance products.11
On the following
pages are examples
of some of the claims
we’ve paid.
MLC Life Cover
Occupation
Sex
Age
Cause
Policy
start date
Amount
paid
Property
Consultant
M
48
Cancer – brain tumour
05/09/2008
$159,135
Homemaker
F
51
Car accident
25/06/1997
$382,595
Labourer
M
40
Thrombosis
23/05/1995
$161,820
Secretary
F
54
Cancer - metastatic
renal cell carcinoma
01/11/1995
$463,631
Fitter
M
55
Cancer – Oesophagus
(Metastatic)
15/07/2008
$106,811
Public Servant
F
59
Cancer - Metastatic
Mesothelioma
14/09/1988
$205,074
Director
M
54
Brain tumor
20/11/2003
$662,090
Claims paid by cause
Lump Sum– Life Cover
“Thank you for your excellent and
efficient service in completing
the claim.
I wish the media published stories
like this to explain the value of Life
Insurance and the companies that
pay the claim when it is needed
the most!
Accident
Cancer
Cardiovascular
Other
Neurological
Respiratory
Suicide
This is one of the most efficient
claims paid in my 39 years of selling
Life Insurance.”
A comment from one of our
advisers whose client had
made a claim.
11 This is the combined claims for both MLC Retail (including MLC Personal Protection Portfolio/Life
Cover Super, Protectionfirst and MLC Insurance) and Group Insurance up to 30 September 2012.
Page 12 MLC Claims – We go the extra mile
MLC Total and Permanent Disability insurance
Occupation
Sex
Age
Cause
Policy
start date
Amount
paid
Shop Keeper
F
49
Brain tumour
01/02/2007
$269,017
Gardener
M
49
Motor Neurone Disease
20/02/2006
$370,653
Youth
Counsellor
F
43
Multiple Sclerosis
01/06/2008
$560,758
Maintenance
M
43
Back injury
17/12/200
$401,378
Medical
Practitioner
F
59
Muscular Dystrophy
27/04/1999
$507,707
General
Manager
M
58
Cardiac Arrest
28/06/2005
$391,924
We paid out
$161 million
in Life Cover
and Total and
Permanent
Disability claims
in 2012.
Claims paid by cause
Lump Sum– Total and
Permanent Disability
Cancer
Musculoskeletal
Neurological
Other
Psychiatric
Cardiovascular
“The funds from this claim will
change our lives. There are a
lot of medical things that we
are purchasing to improve the
day‑to‑day hardships of her lifestyle.
Also for the first time in our lives, we
will have no debt.
I can see an improvement in her
outlook, giving her a whole new
lease on life. And isn’t that what it’s
all about?”
A comment from one of our
clients who made a claim.
MLC Claims – We go the extra mile Page 13
Delivering on
our promise
We paid out
$119 million in
Critical Illness
claims in 2012.
MLC Critical Illness insurance
Occupation
Sex
Age
Cause
Policy
start date
Amount
paid
Consultant
M
36
Brain tumour
08/04/2010
$445,200
Receptionist
F
40
Ovarian Cancer
04/04/2002
$137,045
Boilermaker
M
66
Prostate Cancer
17/03/2006
$133,679
Homemaker
F
41
Heart valve surgery
01/08/2004
$489,220
Sales Manager
M
49
Parkinson’s Disease
18/07/2005
$ 747,281
Bank Officer
F
45
Stroke
11/06/2010
$ 105,000
Technical
Officer
M
45
Seminoma Testicular
Cancer
29/11/2007
$ 478,288
Claims paid by cause
Lump Sum– Critical Illness
“Thank you for handling my claims
so promptly; as you can imagine
there is much stress and worry
associated with cancer, and the
mere fact you responded so quickly
is a huge load off my mind.”
A comment from one of our
clients who made a claim.
Cancer
Cardiovascular
Neurological
Other
Stroke
Page 14 MLC Claims – We go the extra mile
MLC Income Protection insurance
Occupation
Sex
Age
Cause
Monthly
benefit
Payments to
30/06/1212
Chiropractor
M
53
Sciatica
$ 6,546
$1,156,375
Hairdresser
F
49
Back pain
$2,646
$206,489
Lawyer
M
62
Aplastic Anaemia
$3,469
$583,144
Mining
Consultant
F
50
Brain tumour
$1,822
$540,071
Surgical
Assistant
M
64
Cancer / Larynx
$13,768
$1,046,120
Pharmacist
F
64
Cancer /Liver
$11,446
$911,766
Veterinarian
M
63
Lymphocytic
Leukaemia
$8,326
$607,373
Claims paid by condition
Portfolio Income
Protection
We paid out
$113 million in
Income Protection
claims in 2012.
Claims paid by occupation
Income Protection –
“I would really like to thank you
so much for all you have done for
me in assessing my condition and
the first payment of my Income
Protection claim.
Knowing that this has occurred
is so comforting and reduces the
stress I have financially and enables
me to concentrate on dealing with
my medical condition.
Back
Cancer
Cardiovascular
Musculoskeletal
Neurological
Other
Psychiatric
A
AA
AAA
ACT
B
BB
C
ML
NON
It was great to talk to you over the
phone and very reassuring for me to
talk to a caring and understanding
person and organisation.
I would really like you to pass this
email on so that everyone knows
what a fantastic job you are doing
and what a great company MLC is.”
A comment from one of our clients
who made a claim.
12These amounts do not include reserves for continued payments.
MLC Claims – We go the extra mile Page 15
How we process
your client’s claim
1. Claim notification
2. Claim
form issued
3. Claim form
and supporting
documents received
To speed up the process,
we need the following
information:
Forms are issued to the policy
owner and must be completed by
the claimant and a registered
medical practitioner.
In addition to the claim form
the following, as a minimum,
are required:
policy number and
claimant’s contact details
cause and date of death
or disability
Income Protection and
Business Expenses also
need date ceased work
and expected duration
of disability, and
for Critical Illness claims,
give the nature of the
medical condition.
Death claims:
The original policy document and
a certified copy of:
death certificate
Will
proof of identity.
Total & Permanent Disability
and Critical Illness claims:
doctors’ reports from
two treating doctors
certified proof of age
and identity, and
the original policy document.
Income Protection and
Business Expenses claims:
treating doctor’s report, and
financial documents
(in some cases).
We will advise you if any other
relevant information is required.
Further information will be required
by the Trustee for superannuation
policies – including a certified copy
of identity.
Please note: This flowchart is a summary only. If you need further information, please call the number to the right.
We may vary the claims process outlined above if the circumstances of any claim warrants such a variation.
Page 16 MLC Claims – We go the extra mile
4. Assessment
of claim
5. Advise of
assessment decision
6. Payment
of claim
Assessment of the claim commences
on receipt of a fully and accurately
completed claim form and any other
supporting documentation required.
We will initially look to contact
you first, to advise you of
receipt of the claim and also
whether the claim has been
admitted or declined.
Lump Sum:
Our Pay & Finalise process is outlined
on page 3.
For all other claims the average
timeframe for reviewing the
paperwork is five business days.
You have the option to
be involved, or not, during the
claim process.
The policy owner is advised
whether the claim is admitted,
declined or if further
information is needed.
Payments are made by EFT or
cheque (you may ask for the
cheque to be sent to you).
Monthly payments:
Monthly payments can
be made by cheque or
electronic funds transfer into
the policy owner’s
bank account.
Ongoing eligibility for
Income Protection and/or
Business benefits is reviewed
on a monthly basis.
For claims notification and more information,
all you need do is call our Claims Hotline on
1300 125 246 for help.
MLC Claims – We go the extra mile Page 17
How you can
help the process
Please let us know
how much you wish
to be involved in the
claims process.
Non-disclosure can result in a claim not being paid. To avoid this, when your client is
applying for insurance, please follow these useful tips.
the client should fill out the
✓Ideally
application themselves. If you do
complete the application for your
client, make sure your client initials
all pages.
detailed file notes from your
✓Keep
meetings with your client.
doubt, disclose the information.
✓IfIf inyour
client is unsure whether to
include a piece of information in
their application form, they should
disclose it.
commit or advise your client
✓Don’t
that their claim will be successful,
no matter how straightforward a
claim may appear to be.
sure your client answers all
✓Make
the questions on the claim form and
the continuing claim form. This will
prevent delays as we won’t have to
ask for details on the omissions. If
you, or your client, aren’t sure about
a particular question, contact one of
our Claims Consultants to help you.
sure your client provides
✓Make
accurate details of their usual doctor
(not just their treating doctor) to help
speed up the claims process.
if the waiting period hasn’t
✓Even
expired, submit the forms early.
That way, any further information
needed can be requested early
making sure that we’re ready to pay
the claim on the first due date.
“I was very impressed with the
turnaround time and the fact that
it was done before Christmas.
My client was also very thankful for
the Income Protection payment in
advance over the Christmas period;
this is why I sell MLC products.”
A comment from one of our
advisers whose client had
made a claim.
Page 18 MLC Claims – We go the extra mile
Keeping your
clients informed
When you, or your
client, notify us of a
claim we email or
post the forms to them
with a helpful flyer.
These flyers outline the requirements
and answer some frequently asked
questions about the policy or benefit
that is being claimed.
“I give MLC 100% for service.
They kept me updated by phone
and promptly paid my claim on
my Income Protection policy for
a bilateral knee replacement.
The flyers are for:
• Life Cover
I had a claim with another insurance
company on a different matter and
I wasn’t allowed to talk to their claims
team. I was only allowed to talk to
their call centre.
• Income Protection
• Total and Permanent Disablity
• Critical Illness
• Business Expenses.
I’m glad MLC don’t operate in that
fashion.”
These flyers are available for
downloading from mlc.com.au
A comment from one of our
clients who made a claim.
Insurance from MLC
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MLC Claims – We go the extra mile Page 19
Want to find
out more?
If you have any more
questions, simply
visit our website at
mlc.com.au or call
our Claims Hotline
on 1300 125 246.
“Thank you so much for your
compassion and your efforts in
getting this claim finalised in such
a timely manner. I have spoken to
the client and he is very relieved.
He is so very sick at the moment
and he wanted me to personally
thank you and MLC for giving him
and his family peace of mind.
My job is trying to convince people
of the importance of having cover.
This case proves the point.”
A comment from one of our
advisers whose client had
made a claim.
Page 20 MLC Claims – We go the extra mile
Complaints
We’re committed to providing
a responsive, efficient, robust
and fair handling of complaints
and are affiliated with the
Financial Ombudsman Service
and The Superannuation
Complaints Tribunal.
This document has been printed on paper sourced from well
managed, environmentally sustainable plantation forests and has
been printed by an ISO14001 accredited organisation so there is
a minimum effect on the environment. It is part of our campaign
to maintain our carbon footprint and reduce global warming.
Insurance from MLC
Adviser use only
For more information,
call the MLC Claims Team
on 1300 125 246,
Mon – Fri, 8.30 am to
5.30 pm Australian Eastern
Standard Time (AEST).
Postal address:
MLC Limited, PO Box 200
North Sydney NSW 2059
Registered office:
Ground Floor, MLC Building
105–153 Miller Street
North Sydney NSW 2060
mlc.com.au
65916M0613
`