Spouse Membership
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If you are a Dow Employee member you can provide your spouse with superannuation benefits through the Fund. A Spouse member can apply for life insurance through the Fund.

the Product Disclosure Statement - Spouse members

Open a Spouse Account and choosing your spouse contributions

As an Employee member you can choose to start making spouse contributions at any time and these contributions will count towards your spouse's non-concessional contribution cap. These contributions are paid into a Spouse Account in your spouse's name.

To set up a Spouse Account or change spouse contributions, both of you must complete this form:

an Application for Spouse Membership and Contributions

As an Employee member you can change your spouse contributions. The new contribution amount will be deducted in the next pay period after the form has been processed.

Splitting your contributions with your spouse

As an Employee member you can split some of your concessional superannuation contributions with your spouse once each financial year. To split your contributions with your spouse, download the form below:

a Contribution Splitting Form

Choosing an investment option

As a Spouse member you will have access to the same eight investment choices as other members. You can change your investment option on the first day of each month.

A switching fee applies each time if you change how your Spouse Account balance is invested more than once each calendar year.

To choose an investment option, your spouse needs to complete this form:

an Application for Spouse Membership and Contributions

Rolling money into the Fund

As a Spouse member you can choose to rollover money into the Fund at any time after an account has been opened in your name, and an initial contribution has been made. To do this you need to complete a Rollover form:

a Rollover form

Choosing your insurance

As a Spouse member you can choose to take out life insurance in the Fund at any time. Fees apply for insurance cover as detailed in the Product Disclosure Statement.

To apply for insurance for the first time, you need to complete the Application for Voluntary Insurance by Spouse Members and Personal Statement:

an Application for Voluntary Insurance by Spouse Members

a Short Personal Statement (for cover up to $1 million or if under age 55)

a long Personal Statement (for cover over $1 million or if over age 55)

The insurance company will review the application and may ask for more information. The insurer reserves the right to refuse or grant insurance cover, based on this information.

To apply to increase the level of cover, you need to complete both an Application for Voluntary Insurance by Spouse Members and a Personal Statement and return both to the Fund Administrator.

To reduce or stop the insurance cover, you should contact the Fund Administrator.

Remember, you and your spouse must ensure there are sufficient funds in your Spouse Account to cover the monthly insurance fees. If there are insufficient funds in your Spouse Account to meet the monthly fee, your insurance cover will end.