Forms and fact sheets

Join - Product Disclosure Statements (PDS)

• CBUS Super Industry Super PDS (pdf)

• CBUS Super Transition to Retirement Super Income Stream PDS (pdf)

• CBUS Super Fully Retired Super Income Stream PDS (pdf)

Choice of fund

• CBUS Super complying fund letter (pdf)

Withdrawals and payments forms
Important: Always download the latest forms. Don't use old copies, as they may be declined.

• Super withdrawal (Application for benefit) form (pdf)

• Financial hardship benefit payment application (pdf)

Investments

• Investment guide (pdf)

Insurance

• Keep my insurance cover form (pdf)
• CBUS Super (Industry) insurance guide (pdf)
• Binding death benefit nomination (pdf)

General information fact sheets

• Your guide to superannuation (pdf)

• About crediting rates (pdf)

• About fees and costs (pdf)

Proof of identity

Have you been asked to provide your driver's licence card number for proof of identity? Here's how to find it.

• CBUS Super Industry Super PDS (PDF) - This is for employees receiving super contributions from their employer. It has information about the CBUS Industry Super product.

• CBUS Super Sole Trader Super PDS (PDF) - This is for sole traders who are making their own super contributions. It has information about the CBUS Sole Trader Super product.

• CBUS Super Personal Super PDS (PDF) - This is for anyone who isn’t currently working or receiving super contributions from an employer. It has information about the CBUS Personal Super product.
• CBUS Super Corporate Super PDS (PDF) - This is only available through certain employers. If you work for one of these employers, they’ll let you know if you’re eligible and will open a CBUS Corporate Super account on your behalf. It has information about the CBUS Corporate Super product.

• Join CBUS Industry Super form (PDF) – Use this form to join CBUS Industry Super, or to provide your details if your employer has already set up a CBUS Industry Super account for you. This form is part of the CBUS Industry Super PDS.
• Join CBUS Sole Trader Super form (PDF) – Use this form to join CBUS Sole Trader Super. This form is part of the CBUS Sole Trader Super PDS.

• Join CBUS Personal Super form (PDF) – Use this form to join CBUS Personal Super. This form is part of the CBUS Personal Super PDS.

• Set up your CBUS Corporate Super account form (PDF) – Use this form to provide your details if your employer has already set up a CBUS Corporate Super account for you. This form is part of the CBUS Corporate Super PDS.

• How super works guide (PDF) - This guide forms part of the PDS. It includes general information about super, including different types of super contributions, how super is taxed, and how to access your super.

• Fees and costs guide (PDF) - This guide forms part of the PDS. It shows the main fees and costs that may be charged to members to set up and manage their CBUS account, including how they are calculated and how they are paid.

• Financial Services Guide: General Advice (PDF) - The Financial Services Guide (FSG) provides information about the financial product advice services we offer to help members decide whether to use them or to acquire one of our products.

• Financial Services Guide: Personal Advice (PDF) - The Financial Services Guide (FSG) provides information about the advice services we offer to help members decide whether to use them.
• How to make a complaint fact sheet (PDF) - This fact sheet explains CBUS Super complaints handling process.
• Getting ready for retirement fact sheet (PDF) - Find out about Income Streams and Transition to Retirement (TTR) and how to prepare for retirement.

• Retirement planner checklist (PDF) - See our retirement planning checklist to help you get started and make sure you are on track for a successful retirement.

• Unpaid super fact sheet (PDF) - Quick facts about unpaid super - what you need to know

• Self managed super funds (SMSFs) fact sheet (PDF) - Starting a SMSF is a major financial decision. This fact sheet outlines the things you should consider before starting a SMSF.

• Apprentice handbook (PDF) - Fast and easy superannuation tips for apprentices in construction and building.

• First home super saver (FHSS) scheme fact sheet (PDF) - The FHSS scheme allows you to make voluntary contributions (before or after tax) into your super, which you can then later withdraw for your first home deposit (subject to eligibility requirements). To apply as a previous home owner under the financial hardship provision use the ATO’s FHSS hardship application form (PDF).

• Investing for members brochure (PDF) – This brochure provides an overview of the broad ways in which we invest our members’ money.

• CBUS Super membership benefits flyer (PDF) - These are the benefits of being a CBUS Super member.
• CBUS Super Health Check (PDF) - Use this checklist to help make your super work for you.

• CBUS Industry Super - SuperRatings Fundamentals* report (PDF) - This SuperRatings report includes an overall assessment on CBUS’ investment performance, fees and charges, insurance covers and costs, member servicing, administration and governance.

• CBUS MySuper - SuperRatings Fundamentals* report (PDF) - This SuperRatings report includes an overall assessment on CBUS MySuper’s investment performance, fees and charges, insurance covers and costs, member servicing, administration and governance.

• CBUS Sole Trader Super - SuperRatings Fundamentals* report (PDF) - This SuperRatings report includes an overall assessment on CBUS Sole Trader Super's investment performance, fees and charges, insurance covers and costs, member servicing, administration and governance.

• CBUS Personal Super - SuperRatings Fundamentals* report (PDF) - This SuperRatings report includes an overall assessment on CBUS Personal Super's investment performance, fees and charges, insurance covers and costs, member servicing, administration and governance. 

• CBUS Corporate Super - SuperRatings Fundamentals* report (PDF) - This SuperRatings report includes an overall assessment on CBUS Corporate Super's investment performance, fees and charges, insurance covers and costs, member servicing, administration and governance. 

*While CBUS has a commercial relationship with SuperRatings, CBUS has no influence over the research results and overall ratings and does not accept responsibility for any loss or damage caused by this report.

• Financial Services Guide: General Advice (PDF) - The Financial Services Guide (FSG) provides information about the financial product advice services we offer to help members decide whether to use them or to acquire one of our products.

• Financial Services Guide: Personal Advice (PDF) - The Financial Services Guide (FSG) provides information about the advice services we offer to help members decide whether to use them.

• Cbus Super advice brochure (PDF) - If you have a question about your super or would like detailed advice about your own financial situation, CBUS Super can help. We offer a broad range of financial advice services to members of all ages.

• Third party authority (PDF) - Use this form to give specific people, such as a relative or adviser, access to your account details.

• CBUS Super complying fund letter (PDF) - This letter confirms the information employers require for their employees to choose CBUS Super as their superannuation fund.

• I want my super paid into CBUS Super (PDF) - Use this form to get your super paid into CBUS Super. 

• Inactive low-balance accounts form (PDF) - Complete this form if you have an inactive low-balance account and want your account to remain with CBUS Super.

• CBUS lost super fact sheet (PDF) - This fact sheet explains how to find your lost or unclaimed super.

• Identification requirements (PDF) - This form lists the ID requirements you need to meet in order to withdraw, transfer or search for lost super.

• Super withdrawal (Application for benefit) form (PDF) - Use this form to apply to withdraw money from your CBUS superannuation.

• Combine your super into CBUS (PDF) – You can use this form to ask CBUS to search for any lost super you might have and rollover your other super accounts into your CBUS account.

Have you been asked to provide your driver's licence card number for proof of identity? Here's how to find it.

Guides  

• Insurance guide (Industry Super) (PDF) – This guide forms part of the CBUS Industry Super PDS. It contains details about the insurance available to members of CBUS Industry Super.

• Insurance guide (Sole Trader Super) (PDF) - This guide forms part of the CBUS Sole Trader Super PDS. It contains details about the insurance available to members of CBUS Sole Trader Super. 

• Insurance guide (Personal Super) (PDF) - This guide forms part of the CBUS Personal Super PDS. It contains details about the insurance available to members of CBUS Personal Super. 

• Insurance guide (Corporate Super) (PDF) - This guide forms part of the CBUS Corporate Super PDS. It contains details about the insurance available to members of CBUS Corporate Super. 

Fact sheets

• Industry Super insurance – key facts (PDF) – This fact sheet summarises the automatic insurance cover available to Industry Super members. 

• Sole Trader Super insurance – key facts (PDF) – This fact sheet summarises the automatic insurance cover available to Sole Trader Super members.

• Applying for a TPD payment fact sheet (PDF) - This fact sheet provides more detail about when you may be eligible for a TPD payment and how to apply.

• Applying for IP payments fact sheet (PDF) - This fact sheet explains when you may be eligible for income protection payments and how to apply.

• Applying for a TI payment fact sheet (PDF) - This fact sheet explains when you may be eligible for a terminal illness payment and how to apply.

• Claiming a death benefit fact sheet (PDF) - This fact sheet explains how to apply for a death benefit. 

Forms

Login to your member account to change your insurance cover online.

Click on the ‘Insurance’ tab across the top and then click the button ‘Go to insurance online’ to:

• Apply for, increase, decrease or cancel Death, TPD and IP cover
• Transfer existing insurance cover from another fund
• Change your occupation category.

If you’re a Corporate Super member login to your account to view your insurance cover.

Or download a paper form below:

• Keep my insurance cover (PDF) -  Use this form to tell CBUS to keep your insurance cover, even if your account doesn’t receive contributions or a roll in for 16 months.

• I want insurance cover (PDF) - Use this form to tell us that you want insurance cover. This will either stop it from being cancelled or allow it to start as soon as you're eligible.
• Binding death benefit nomination form (PDF) - When nominating your beneficiaries, use this form to make a binding nomination.
• Change my insurance: Industry Super (PDF) – Use this form if you’re an Industry Super member and want to apply for, change or cancel insurance cover. (This form replaces the Application to increase cover for Industry and Personal Super members, Application to vary income protection cover for Industry and Sole Trader Super members, Application to decrease or cancel insurance cover and Application to cancel insurance cover.) 

• Change my insurance: Sole Trader Super (PDF) – Use this form if you’re a Sole Trader Super member and want to apply for, change or cancel insurance cover. (This form replaces the Application to increase cover for Sole Trader Super members, Application to vary income protection cover for Industry and Sole Trader Super members, Application to decrease or cancel insurance cover and Application to cancel insurance cover.)

• Change my insurance: Personal Super (PDF) – Use this form if you’re a Personal Super member and want to apply for, change or cancel insurance cover. (This form replaces the Application to increase cover for Industry and Personal Super members, Application to decrease or cancel insurance cover and Application to cancel insurance cover.)

• Change my insurance: Corporate Super (PDF) - Use this form if you’re a Corporate Super member and want to apply for, change or cancel insurance cover.

• Application for income protection cover for Industry Super (PDF) (doesn't exist) - If you're an Industry Super member, you can use this form to apply for income protection when you first join CBUS.

• Application to transfer existing insurance cover (PDF) - Use this form to transfer your existing Death or Death and Total and Permanent Disability insurance to CBUS. 

• Life events insurance upgrade (PDF) - Use this form to take advantage of CBUS' Life events insurance upgrades 

• Application to change occupation category (PDF) - Use this form if you have changed occupation categories.

• Application to change existing membership to CBUS Personal Super (PDF) - You will need to complete this application if you wish to switch to CBUS Personal Super.

• Application to change existing membership to CBUS Sole Trader Super (PDF) - You will need to complete this application if you are an existing CBUS Industry Super member or an existing CBUS Personal Super member and you would like to switch to CBUS Sole Trader Super.

• Application to extend TPD cover (PDF) - Use this form to extend your current TPD cover to age 70. You must be age 64 to use this form

Have you been asked to provide your driver's licence card number for proof of identity? Here's how to find it.

• Investment guide (PDF) - This guide forms part of the PDS. It explains the investment options available to CBUS members.

• CBUS Self Managed investment guide (PDF) - This guide forms part of the PDS. It provides details about the CBUS Self Managed investment option.

• Investment choice form (PDF) - Use this form to change your investment option(s). This form is part of the CBUS Investment guide.
• Managing your super through market ups and downs fact sheet (PDF) - This fact sheet will help you understand what ups and downs in share market performance could mean for your super, and how to ensure you’re getting the best return for your future.
• Understanding investment risk (PDF) - This fact sheet details some of the risks that can impact your super.

• COVID-19 re-contribution notice – Use this form to tell us you’re re-contributing some or all of your COVID-19 early release super payment. Make sure we receive this form at the same time you make your contribution (or before).

• Making extra contributions fact sheet (PDF) - There are four ways to add extra contributions to super, and this fact sheet explains them all - including Salary Sacrifice. Email it to your employees or print out some copies to hand out.

• Transition to retirement fact sheet (PDF) - This fact sheet explains how the Transition to Retirement income stream works, its potential benefits and why it's important to seek financial planning advice.

• Contribution slips (PDF) - Use these slips to make personal contributions to your CBUS account.

• Member direct debit form (PDF) - Use this form to make direct debit payments to your CBUS account.

• Spouse contributions form (PDF) - Use this form to make contributions into your spouse's super account.

• Boost your super - Government co-contribution fact sheet (PDF) - You may be eligible to receive a government co-contribution if you make an ‘after tax’ member contribution to your super. Read this brochure to find out your eligibility.

• Salary sacrifice form (PDF) - If you are eligible for salary sacrifice, complete this form and give it to your employer or payroll manager to authorise your request.

• First home super saver (FHSS) scheme fact sheet (PDF) - The FHSS scheme allows you to make voluntary contributions (before or after tax) into your super, which you can then later withdraw for your first home deposit (subject to eligibility requirements). To apply as a previous home owner under the financial hardship provision use the ATO’s FHSS hardship application form (PDF).

• Downsizer contribution fact sheet (PDF) - This fact sheet explains how you can make a downsizer contribution if you're considering selling your home.

• Downsizer contribution into super form (PDF) - Use this form to make a contribution as a result of selling an eligible property once aged 55 years or older.

• Deduction for personal super contributions (PDF) - Use this form to claim or vary a tax deduction for personal super contributions.

• Tax file number declaration (PDF) - This form must be completed for income stream members who wish to claim the tax-free threshold.

• Change your details form (PDF) - Use this form to notify us of any changes to your personal details, such as a change of name, address or provide us with your TFN.

• Retirement Scheme or Defined Benefit Scheme change my bank account form - Use this form to change the bank account that your Retirement Scheme or Defined Benefit Scheme pension is being paid into.
• Binding death benefit nomination form (PDF) - When nominating your beneficiaries, use this form to make a binding nomination.
• Statutory Declaration (PDF) - Use this form to make a statutory declaration. 

• Power of attorney (PDF) - Use this form to give specific people access to your account details or authorise them to make changes for you.

• Third party authority (PDF) - Use this form to give specific people, such as a relative or adviser, access to your account details.

Have you been asked to provide your driver's licence card number for proof of identity? Here's how to find it.

Important: Always download the latest forms. Don't use old copies, as they may be declined.

• Super withdrawal (Application for benefit) form (PDF) - Use this form to apply to withdraw money from your CBUS superannuation.

• Application for family law payment form (PDF) - Use this form to apply for a super payment following a separation or divorce.

• Temporary residents fact sheet (PDF) - This fact sheet explains how temporary residents who have left Australia can claim their super

• KiwiSaver form (PDF) - If you are planning on moving permanently or indefinitely to New Zealand, you may be able to transfer your superannuation savings from CBUS to a New Zealand KiwiSaver scheme.

• Compassionate grounds benefit payment application form (PDF) - In limited circumstances, you may be able to access a portion of your super on compassionate grounds. 

• Financial hardship benefit payment application (PDF) - Superannuation law allows CBUS to release benefits to fund members prior to their retirement in cases of severe financial hardship. To access your super in these circumstances you must meet the eligibility conditions set out in superannuation legislation. 

• Super and divorce fact sheet (PDF) - This fact sheet will help you understand how super can be split when a relationship breaks down and what you need to do. This applies whether you were married or in a de facto relationship.

• Electronic ID form (PDF) - You can use this form to authorise CBUS to verify your identity electronically.

• Identification requirements (PDF) - This form lists the ID requirements you need to meet in order to withdraw, transfer or search for lost super.

• Super retirement drawdown form (PDF) - Use this to allow us to pay part of your super benefit in cash to your bank account (eligible members only). Used to be called the Partial cash withdrawal form.

• Defined Benefit Scheme payment instruction form (PDF) - Use this form if you are an ex-EISS member to tell us how you’d like to take your benefit.

• Retirement Scheme payment instruction form (PDF) - Use this form if you are an ex-EISS member to tell us how you’d like to take your benefit.

• Retirement Scheme PDS (PDF) - This Product Disclosure Statement is for CBUS Retirement Scheme members.   

• Retirement Scheme additional benefit cover (PDF) - Use this form if you’re a member of the CBUS Retirement Scheme and want to apply for additional benefit cover for total and permanent incapacity or death.

• Retirement Scheme Investment choice (PDF) - This form is used to choose your investment option.

• Retirement Scheme or Defined Benefit Scheme change my bank account form (PDF) - Use this form to change the bank account that your Retirement Scheme or Defined Benefit Scheme pension is being paid into.

• Retirement Scheme payment instruction form (PDF) - Use this form to tell us how you’d like to take your benefit.

• Retirement Scheme change my contribution rate (PDF) - Use this form to change the percentage of your superable salary that you must contribute to your Retirement Scheme benefit.

• Identification requirements (PDF) - This form lists the ID requirements you need to meet in order to withdraw, transfer or change your banking details.

• Accessing your benefit when you retire (PDF) - This flyer outlines the steps involved to access your benefit if you’re planning to retire.
• Make or renew a binding death benefit nomination (PDF) – Use this form to tell us who should receive your death benefit.

• Defined Benefit Scheme PDS (PDF) - This Product Disclosure Statement is for CBUS Defined Benefit Scheme members.   

• Retirement Scheme or Defined Benefit Scheme change my bank account form - Use this form to change the bank account that your Retirement Scheme or Defined Benefit Scheme pension is being paid into.

• Defined Benefit Scheme payment instruction form (PDF) - Use this form to tell us how you’d like to take your benefit.

• Identification requirements (PDF) - This form lists the ID requirements you need to meet in order to withdraw, transfer or update your banking details.

• Accessing your benefit when you retire (PDF) - This flyer outlines the steps involved to access your benefit if you’re planning to retire.
• Make or renew a binding death benefit nomination (PDF) – Use this form to tell us who should receive your death benefit.

• CBUS Transition to Retirement Super Income Stream PDS (PDF) - This is for those who are close to retirement and looking to receive their superannuation as regular income payments.  

• CBUS Fully Retired Super Income Stream PDS (PDF) – This is for those who are about to, or are retired, and are looking to receive their superannuation as regular income payments or make lump sum withdrawals.

• Join CBUS super income stream – Use this form to join CBUS Transition to Retirement super income stream and Fully Retired super income stream.

The law requires you to draw a minimum income from your income stream account each year. Learn more via the ATO website. 

• CBUS Retirement Strategy - strives to improve our members’ retirement outcomes.

• Getting ready for retirement fact sheet (PDF) - Find out about Income Streams and Transition to Retirement (TTR) and how to prepare for retirement.
• Estate planning made simple (PDF) - Don’t have an estate plan yet? Start now to make things easier for you and the people you care about.

• How to make the most of the Age Pension (PDF) - If you're 60-65, now is the perfect time to start thinking about the Age Pension.

• Retirement Bonus - Income Stream tax refund fact sheet (PDF) -  Find out if you are eligible for a tax refund into your new account.
• Transition to retirement fact sheet (PDF) - This fact sheet explains how the Transition to Retirement income stream works, its potential benefits and why it's important to seek financial planning advice.
• CBUS Super Income Stream - SuperRatings Fundamentals* report (PDF) - This SuperRatings report includes an overall assessment on CBUS Super Income Stream’s  investment performance, fees and charges, member servicing, administration, product flexibility and governance.

• Investing for members brochure (PDF) – This brochure provides an overview of the broad ways in which we invest our members’ money. 

*While CBUS has a commercial relationship with SuperRatings, CBUS has no influence over the research results and overall ratings and does not accept responsibility for any loss or damage caused by this report.

• Financial services guide (PDF) - The Financial services guide (FSG) provides information about the financial products and services that are provided to members.

• CBUS advice brochure (PDF) - If you have a question about your super or would like detailed advice about your own financial situation, Cbus can help. We offer a broad range of financial advice services to members of all age

• Third party authority (PDF) - Use this form to give specific people, such as a relative or adviser, access to your account details.

• Power of attorney (PDF) - Use this form to give specific people access to your account details or authorise them to make changes for you.

• Income stream switching form (PDF) - Use this form to switch your current investment options.

• CBUS Self Managed investment guide (PDF) - Decide whether investing through CBUS Self Managed is right for you.

• Identification requirements (PDF) - This form lists the ID requirements you need to meet in order to withdraw, transfer or update your banking details.
• Income stream withdrawal or rollover form (PDF) - Use this application form to withdraw money from your CBUS Super Income Stream.

• Change your income stream details (PDF) - Use this form to update your income stream details, including whether you have met a condition of release and the amount and/or frequency of your income payments.

• Tax file number declaration (PDF) - This form must be completed for income stream members who wish to claim the tax-free threshold.

• Binding death benefit form (PDF) - Use this form to make a binding nomination for your income stream.
   

Have you been asked to provide your driver's licence card number for proof of identity? Here's how to find it.

• Binding death benefit form (PDF) - Use this form to make a binding nomination for your income stream.
• Change your income stream details (PDF) - Use this form to update your income stream details, including whether you have met a condition of release and the amount and/or frequency of your income payments.

• Change of business name (PDF) - You can use this form to update your registered business name or trading name if the change has not led to a change in ABN. 
• Financial services guide (PDF) - The CBUS Financial Services Guide (FSG) provides information about the financial products and services that are provided to members.
• Trust Deed (PDF) - The Fund is governed by a Trust Deed. The Trust Deed is a legal document that determines the way CBUS is managed.

• Change of employer status form (PDF) - Use this form to make your account inactive if you will no longer be making contributions to Cbus for your employees.
• Stapling fact sheet (PDF) - This fact sheet helps you understand what stapling is, who it impacts and what you need to do as an employer. 

• CBUS complying fund letter (PDF) - This letter confirms the information employers require for their employees to choose CBUS as their superannuation fund.

• Choice of fund form (PDF) - Give this form to new employees within 28 days of them starting work with you.

• Employer Online and CBUS Clearing House user guide (PDF) - If you use Employer Online, this handy guide will help you navigate your way around the system and make contributions through the CBUS Clearing House (QuickSuper).
• Get ready for Payday Super how to guide and checklist (PDF) - Explains Payday Super and how it affects payroll, key areas to focus on and a step-by-step plan to prepare.
• Get ready for Payday Super checklist (PDF) - A checklist to follow to get Payday Super ready

• Contribution refund or correction form (PDF) - Use this form if you have made an administrative error in a contribution payment and need to request a refund or make an adjustment.

• Contribution refund correction form (PDF) - Use this form to submit a request for a refund.
• Contribution refunds and corrections FAQs (PDF) - Refer to this FAQ list if you have any questions relating to contribution refunds and corrections.

• Defined Benefit Scheme Employment Termination Advice (PDF) - Use this form to notify us of a member’s termination of employment.

• Retirement Scheme Employment Termination Advice (PDF) - Use this form to notify us of a member’s termination of employment.

• Superable salary fact sheet (PDF) - This fact sheet explains what is superable salary and its impacts on members. It also explains other information related to a member’s salary and key dates for the schemes.