Terms of service.
Direct Debit Request Service Agreement
1. The TWU (Debit User) will initiate direct debit payments in the manner referred to in the Direct Debit Request.
2. Direct Debit payments will be made when due. The Debit User will not issue individual confirmation of payments made.
3. The Debit User will give members at least 14 days written notice to vary details of this arrangement including the amount and frequency of payments.
4. If members wish to alter any details or request deferment to the Direct Debit Request, they should contact the Union by Phone on (08) 6313 3000 or Email info@twuwa.org.au
5. Any queries concerning disputed direct debit payments must be directed to the TWU in the first instance. Members should phone the Union office.
6. Direct debiting through BECS is not available on the full range of accounts at all financial institutions. If in doubt, members should contact their financial institution before completing the Direct Debit Request.
7. Members should ensure account details are correct by checking them against a recent statement from their financial institution at which the account is held
8. By signing this Direct Debit request, the member warrants and represents that he/she/they are duly authorised to request the debiting of payments from the account described in the Direct Debit request.
9. It is the members’ responsibility to ensure that sufficient clear funds are available in the account to enable the direct debit to be made.
10. If a direct debit falls due on a non-business day, the payment will be made on the following business day.
11. Members wishing to cancel their direct debit or stop individual direct debit payment must give the Union at least 14 days’ notice in writing.
12. Except to the extent that disclosure is necessary in order to process debit payments, investigate and resolve disputed transactions or is otherwise required by law, the Debit User will keep details of the members’ account and direct debit confidential.
Privacy Act and the TWU
• The TWU is bound by, and complies with, the Privacy Act
• Information is collected to enable the TWU to contact you about maters connected with your membership of the TWU, and to ensure that we are in the best position to represent you; and
• The TWU privacy statement can be found on the website at www.twu.com.au or by contacting your Branch Office
• Should you not wish to receive direct marketing material from the TWU please contact your Branch Office to inform them
• Upon completion of this membership form, members consent and opt in to the distribution of marketing and promotional communications. And consent to have their photo used in marketing and promotional materials.
Union Membership Rules
1. I agree to pay to the TWU the total of any membership subscriptions, levies or other fees as determined from time to time by the Union.
2. I may resign from the TWU by giving notice in writing to the Branch Secretary
3. I understand that I must pay any fees owing to the TWU up to the date my resignation takes effect, and that ceasing to pay my subscriptions without proper notice does not comply with the above obligations.
4. If the subscription rates are varied, I authorise the TWU to adjust my subscription accordingly.
5. I will advise the Union of any change to my bank account, or annual salary which affects my subscription rate, and authorise the TWU to adjust my subscription accordingly.
I understand that the payment of my membership subscriptions, levies or other fees to the TWU will also maintain my TWU membership and that I will be advised in writing if this arrangement is changed.
I may resign at any time from the TWU by notice in writing.
By completing the membership form you automatically become a member of the TWU.
Income Protection General Advice Warning
Any advice provided in relation to this insurance is of a general nature only. MedCorp Insurance & Risk Consultants has not taken into account your specific financial needs, requirements, or objectives. You should consider the appropriateness of any general advice we give to you, having regard to your own objectives, financial situation and needs before acting on it. Where the information relates to a particular financial product, you should obtain and consider the relevant Product Disclosure Statement (PDS) and Policy Documents before making any decision to purchase that financial product. Please note the ‘Cover Summary’ is very brief only. The insurers Schedule along with Product Disclosure Statement and Policy Wording should be reviewed for full details of the terms, conditions and exclusions of the cover provided. If you would like a copy of the Target Market Determination (TMD) and Financial Services Guide (FSG) or a full Product Disclosure visit the TWU website or please call us.
Group Accident and Sickness protection covers eligible members for sickness and accident 24 hours - 7 days a week.
The TWU also offers a Group Accident and Sickness through an additional weekly deduction.
Income Cover for $1000* weekly benefit including capital benefits of $100k costing $16.00 weekly
Income Cover for $1500* weekly benefit including capital benefits of $100k costing $21.00 weekly
Income Cover for $2000* weekly benefit including capital benefits of $100k costing $26.00 weekly
Click here for a copy of the PDS
Click here for an application form
Cover will commence when the TWU receives both your signed and dated application form and direct debit details.
Please submit to info@twuwa.org.au
*you will be covered for 90% of your income or the chosen weekly benefit amount whichever is the lesser.
In order to claim the $1000 weekly benefit you must be earning at least $57,800 pa
In order to claim the $1500 weekly benefit you must be earning at least $86,700 pa
In order to claim the $2000 weekly benefit you must be earning at least $115,555 pa
Please note that claims may not be paid for Pre-Existing Conditions:
"Pre-Existing Condition” means any injury or any illness, disease or condition that existed prior to the commencement of the Period of Insurance, of which You were aware before the Period of Insurance, or which a reasonable person in Your circumstances could have been expected to have been aware, or for which You have received or sought medical attention or treatment or for which You have undergone testing prior to the commencement of the Period of Insurance