HOSTPLUS - Expect More -- Fact sheets

	Salary Continuance Insurance Cover (1.3MB) This cover provides a monthly benefit if you are unable to work as a result of being totally or partially disabled due to injury or illness.
	Death & TPD Insurance Cover (1MB) This cover provides a lump sum in the event of death, including terminal illness, and total and permanent disablement.
	Make an investment choice (75KB) As a member of HOSTPLUS you can select the way you want your superannuation to be invested. If you take control of it now, you can make the most of your investment – and hopefully have more money to retire with!
	Introducing better super (347KB) From 1 July 2007 the Government's Better Super changes took effect. These changes affect a range of areas relating to superannuation. They include changes to the way super is taxed, the need to provide your Tax File Number and other changes.
	Super benefits for you and your staff (529 KB) HOSTPLUS began in 1987 as the industry superannuation fund for hospitality, tourism, recreation and leisure industries. With the launch of Super Choice now even more Australian workers and Employers can reap the rewards of our award winning super fund.
	Combine your super and save (407KB) Do you have several superannuation accounts? Chances are that you do, because in the hospitality, tourism, recreation and leisure industries, we often move from job to job. Many of us end up with multiple super accounts; all charging fees just to keep the account open. Why throw away money like that?
	Getting divorced? Now you can split your super (84KB) From 28 December 2002, Family Law legislation allows a couple to split superannuation benefits upon a marriage breakdown.
	Super tips for starting a new job (51KB) When you start a new job you often have to join a new superannuation fund too. On average, Australians change jobs every five to six years and in the hospitality, tourism, recreation and leisure industries the rate is even higher.
	Super tips for temporarily in Australia (48KB) If you are working in Australia and an employer pays you more than $450 in a month, you may be entitled to a super contribution.
	When can I access my superannuation? (50KB) Superannuation is intended to provide you with money to live on in retirement. Federal legislation provides taxation incentives for superannuation savings, but places restrictions on your superannuation benefit, such that you generally cannot access it until you retire.
	Why super is important (51KB) For most of us, super is the best way to accumulate the significant amount of money we’ll need to give us the lifestyle we want in retirement. In fact, for many Australians super will grow to be their largest asset – worth even more than the family home.