Forms and publications

Here you will find our Product Disclosure Statements, handbooks, forms and fact sheets.

Most popular 

Our top 10 most popular downloaded forms and publications.

Top 10 most popular

Join (PDS)

  • Cbus Industry Super PDS (PDF) - This handbook is for employees receiving super contributions from their employer. It has information about the Cbus Industry Super product as well as an application form to join.
  • Cbus Super Income Stream PDS (PDF) - This handbook is for those looking to receive their superannuation as regular income payments. It also contains an application form to join.

General information

  • Fees and costs fact sheet (PDF) - This fact sheet shows the main fees and costs that may be charged to members to set up and manage their Cbus account, which may be deducted directly from the account or deducted from the investment returns.

Choice of fund

Insurance

  • Manual occupations insurance scales (PDF) - Manual cover is our default cover for members. If you perform manual or physical work, and spend more than 20% of your working time outside an office environment, find out the cost of units per week.

Investments

  • Investment handbook (PDF) - This handbook details the investment options available to Cbus members. You can use the forms at the back of this handbook to change the investment option/s your super is invested in.

Withdrawals and payments

  • 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 members

For Industry, Sole Trader and Personal Super

Join (PDS)

  • Cbus Industry Super PDS (PDF) - This handbook is for employees receiving super contributions from their employer. It has information about the Cbus Industry Super product as well as an application form to join.
  • Cbus Sole Trader Super PDS (PDF) - This handbook is for sole traders who are making their own super contributions. It has information about the Cbus Super for Sole Traders product as well as an application form.
  • Cbus Personal Super PDS (PDF) - This handbook is for members who are not currently working or who are not receiving super contributions from an employer. It has information about the Cbus Personal Super product as well as an application form to join.

General information

  • How super works fact sheet (PDF) - This fact sheet forms part of the Cbus Product Disclosure Statements. It includes information on how to make extra contributions, who can contribute to super, how to withdraw super and the early release of super.
  • Fees and costs fact sheet (PDF) - This fact sheet shows the main fees and costs that may be charged to members to set up and manage their Cbus account, which may be deducted directly from the account or deducted from the investment returns.
  • How super is taxed fact sheet (PDF) - This fact sheet forms part of the Cbus Product Disclosure Statements. It includes information on the tax treatment of super coming into and out of your account, tax deductions and tax after you reach preservation age.
  • Cbus' interpreters service (PDF) - To help members that come from a non-English speaking background, the interpreter service is available from 8am-8pm AEST Monday to Friday.

*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.

Advice

  • 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 ages.

Choice of super fund

Consolidate your super

  • Rollover form (PDF) - You can use this form to rollover your other super accounts into your Cbus account - this form has to be downloaded and mailed to Cbus.

Insurance - Death, TPD and IP cover

Handbooks  

Factsheets

Forms

Log in to your member account to change your insurance cover online.

Click on the ‘Insurance details’ tab across the top and then click the button ‘Change insurance or track existing application’ to:

  • apply for, increase, decrease or cancel Death, TPD and IP cover
  • transfer existing insurance cover from another fund
  • change your occupation category.

Or download a paper form below:

 

Investments

  • Investment handbook (PDF) - This handbook details the investment options available to Cbus members. You can use the forms at the back of this handbook to change the investment option/s your super is invested in.

Making extra contributions

  • 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.
  • 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.

Tax

  • Supply TFN form (PDF) - Unless you provide Cbus your Tax File Number (TFN), you’re likely to pay extra tax on employer and salary sacrifice contributions.
  • How super is taxed fact sheet (PDF) - This fact sheet forms part of the Cbus Product Disclosure Statements. It includes information on the tax treatment of super coming into and out of your account, tax deductions and tax after you reach preservation age.

Update details

  • 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 nominated beneficiary.

Withdrawals and payments

  • 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.
  • 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. Before completing this form, you’ll need to obtain approval from the Department of Human Services (DHS) for early release 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.

Retirement members

For members who are planning, transitioning or fully retired.

Join (PDS)

  • Cbus Super Income Stream PDS (PDF) - This handbook is for those looking to receive their superannuation as regular income payments. It also contains an application form to join.

General information

  • Cbus' interpreters service (PDF) - To help members that come from a non-English speaking background, the interpreter service is available from 8am-8pm AEST Monday to Friday.

*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.

Advice

  • 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

Investments

Payments

  • 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.
  • 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.

Employers

For businesses paying super for employees.

General information

  • Employer handbook (PDF) - The Employer Handbook is an overview of how Cbus works for employers. It includes benefits, payment methods and how to join.
  • 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.
  • Cbus Income Protection cover (PDF) - This flyer outlines the Income Protection cover available for members of Industry Super who work in Non-Manual and Professional occupations.
  • Industry insights handbook (PDF) - Cbus presents the 2016-17 construction and building report, featuring insights and trends for the Australian market plus great information about super for businesses.

Choice of super fund

Making contributions

  • Cbus Clearing House registration (PDF) - We can help take care of distributing all your superannuation contributions for you, making Cbus your one stop shop for all the funds you contribute to.
  • Cbus clearing house fact sheet (PDF) - We can help take care of distributing all your superannuation contributions for you, making Cbus your one stop shop for all the funds you contribute to.