The TUI Income Continuance Plan Automatic (Auto) Access Membership

For the full terms and conditions of the Plan, please see the Master Policy Document 733303 issued by Aviva Life & Pensions Ireland DAC (Aviva) is available here or please contact Cornmarket if you would like a copy of the Master Policy Document.

Cornmarket’s Terms of Business document is available here.

Overview

Income Continuance – Automatic Access and 9 Months’ Free Cover

The Teachers’ Union of Ireland has negotiated Automatic Access to the TUI Income Continuance Plan, for new TUI joiners, who consent to sharing their union data with Cornmarket and who meet the eligibility criteria of the Plan. This saves new joiners the time of completing an application form and avoiding potential medical underwriting. The Plan includes:

• Disability Benefit
• Death Benefit
• Specified Illness Benefit

And, there is no cost for the first 9 months!

Eligibility criteria

To be eligible for Automatic Access to the Scheme you must be:

1. A new* member of the TUI who is employed by a recognised School, University or Institute of Technology and
2. Under age 60 and
3. Employed under at least one of the following conditions:

- Permanent basis or

- Contract of indefinite duration or

- Fixed-term contract of at least 12 months’ duration or

- Pro-rata contract of at least 10 months or

- Working continuously for the past 12 months.

*New joiners to TUI only. Individuals who were previously TUI members are not eligible for Auto Access to the Plan and should apply for membership of the Plan using the standard application form.

You must remain a member of the TUI union, as per the eligibility criteria noted above to remain an eligible member of the Plan. Those who are job/work sharers (This means working 50% or less than the normal working week) or on statutory maternity (paid and unpaid), adoptive, parents or paternity leave and who satisfy the above criteria are eligible to be covered under the Plan.

Auto access is only available to individuals who meet the TUI Income Continuance Plan eligibility criteria at the time of applying to join the TUI as a new member. If you are not eligible at that point, you will not be able to access it later, even if your circumstances change. In such cases, you should apply to join the Plan using the standard application form which is subject to medical underwriting

You may not be eligible for TUI Auto Access if:

• You are an existing or previous member or applicant of any Salary/Income Continuance Plan administered by Cornmarket.

Important: If you are accepted into the Plan through Automatic Access, the wait time before some of your cover comes into effect is different to those who have completed an application form join the Plan. Please read the limitations and restrictions of Automatic Access cover carefully. We would draw your attention to the Disability Benefit pre-existing conditions clause, and the Death Benefit waiting period.

Warning: If your salary is below or falls below €18,000 you may not benefit from the Income Continuance element of this Plan. If this should happen, please contact us to discuss your options.

For the full terms and conditions of the Plan, please see the Master Policy Document 733303. All other Limitations and Restrictions as outlined in the Plan Summary Booklet available here also apply to Auto Access members.

Key Benefits: overview, limitations and restrictions:

• Disability Benefit (please see details on the pre-existing conditions waiting period below)
• Death Benefit (payable in the event of Accidental Death only for the first 24 months, Full Death Benefit thereafter – see below for more details)
• Accidental Death Benefit
• Terminal Illness Benefit (cover available after 24 months membership – see below for more details)
• Children’s Death Benefit
• Full Specified Illness Benefit
• Partial Specified Illness Benefit
• Pension Premium Protection Benefit
• Medical Immunity Benefit

Disability Benefit

This Plan is designed to provide you with a replacement income of up to 75% of your annual salary** if you’re ill or injured and can’t work.

**Up to 75% less any other income to which you may be entitled e.g. half pay, Ill Health Early Retirement Pension, Temporary Rehabilitation Remuneration, State Illness Benefit. You can claim income continuance when you have used up your employer’s sick leave entitlements and passed the Plan ‘deferred period’. Simply put, that’s the time that must pass before benefit is paid.

Disabled means that you are totally unable to carry out the duties of your normal occupation because of illness or injury and you are not engaged in any other occupation (whether or not for profit, reward, remuneration or benefit-in-kind).

Disability Benefit - Pre-Existing Conditions

If you have a pre-existing condition as defined below, and:

1. You need to claim solely for this pre-existing condition, there is a waiting period of 5 years from the date you were accepted into the Plan before the Deferred Period can commence or
2. You need to claim solely for a condition that is not pre-existing, there is no waiting period before the deferred period can commence or
3. You need to claim for both a pre-existing condition and a condition that is not pre-existing, there is no waiting period before the deferred period can commence.

This is outlined in the Plan Summary Booklet. Disability Benefit is payable at the end of the Deferred Period (provided the claim is admitted by the Insurer).

For the purposes of this Plan, pre-existing conditions are defined as:

- Any health condition, which existed in the 5 years prior to the date you were accepted into the Plan, in respect of which you:

• had symptoms or signs of the condition or a related condition and/or
• consulted a health professional about the condition and/or any related condition and/or
• took or were prescribed medication or treatment including counselling, physiotherapy or physical therapy for the condition or a related condition and/or
• had any test, scan, investigation or surgery for the condition or a related condition.

Pre-existing conditions are determined by the Insurer in consultation with their Chief Medical Officer.

Death Benefit

The Plan provides a lump sum of typically twice your annual salary if you die. This can help to pay bills and unexpected costs, at an already difficult time.

Death Benefit - 24 month waiting period

During the first 24 months of your membership, Death Benefit is only paid in the event of accidental death. Terminal Illness Benefit is not payable during the first 24 months. After 24 months of Plan membership, Death Benefit is paid as normal manner as set out in Plan Summary Booklet.

Accidental Death Benefit

In the event of accidental death, a benefit of €15,000 is payable tax-free in addition to the normal Death Benefit.

Terminal Illness Benefit 

In the event you are certified by a qualifying medical specialist as having a Terminal Illness, a benefit of 25% of the Death Benefit is payable to you tax-free. This benefit is not payable for the first 24 months’ of membership. After 24 months of membership, Terminal Illness Benefit is payable in the normal manner as set out in Plan Summary Booklet.

Children’s Death Benefit 

In the event that a member’s child between the ages of 0 and 20 dies, a Death Benefit of €4,000 will be paid tax-free. This benefit is payable once per member.

Full Specified Illness Benefit

If you are diagnosed with one of the Specified illnesses covered by the Plan, and meet the relevant definition, this benefit will pay a once-off, tax-free lump sum of 25% of your annual salary. For a full list of Specified Illnesses covered, and the policy definition/criteria of each illness, please see the Plan Summary Booklet available here.

Partial Payment Specified Illness Benefit

If you are diagnosed with one of partial payment specified illnesses covered by the Plan and meet the relevant definition this benefit will pay a once-off, tax-free lump sum of the lesser of €10,000 or 25% of your salary (whichever is less) at the date of diagnosis. For a full list of Partial Payment Specified Illnesses covered, and the policy definition/criteria of each illness, please see the Plan Summary Booklet available here.

Pension Premium Protection Benefit

A benefit of 10% of your annual salary paid into a separate Pension Scheme, if you are claiming Disability Benefit continuously for more than 2 years.

Medical Immunity Benefit

This benefit entitles you to join the Cornmarket Retired Members’ Life Cover Plan when you retire, without any medical underwriting. The cost is currently 0.05% of your overall premium, and you must apply to join within a certain period of retiring or of your membership of this Plan ceasing. Terms & Conditions apply. Please see here for more details.

The Cornmarket Retired Members’ Life Cover Plan is provided by Irish Life Assurance plc.

Irish Life Assurance plc is regulated by the Central Bank of Ireland.

Option of medical underwriting

If you are accepted into the Plan through Automatic (Auto) Access, the wait time before some of your cover comes into effect is different to those who have completed an application form to join the Plan. For example, Plan members that are accepted with medical underwriting have no waiting period for any Death Benefit cover and will not have to serve the 5-year waiting period for Pre-Existing Conditions for Disability Benefit cover, unlike Auto Access members (see Plan Limitations and Restrictions above for the waiting periods that apply to Auto Access members). However, Plan members that undergo medical underwriting may be offered Disability Benefit cover with an exclusion. If this happens, their Disability Benefit Cover will not apply for the excluded illness(es) or condition(s), and they can never claim for them. If you would prefer to join the Plan using an application form subject to medical underwriting, please contact us on (01) 408 4195 to discuss this option in more detail. 

Important: If you submit your application within 30 days of the date of your acceptance letter, you will be able to maintain your Auto Access membership while your application form is being medically underwritten. Once you receive a decision from the insurer on your application, you can chose whether you wish to go on cover as a medically underwritten member, or remain an Auto Access member.

MyDoc, online GP services

MyDoc, an easy online healthcare service, is now available to members of the TUI Income Continuance Plan. This means Plan members and their family can book free consultations with a doctor, get prescriptions, sick certs and open referral letters to private care, when they need to! For more information click here.

Cost of the Scheme

Warning: The current premium may increase at the next Plan rate review, which is scheduled to take place on or after 1st April 2028.

The current cost of membership is 1.59% of your salary. If your premiums are deducted from your salary, your premiums will increase or decrease in line with your salary. If you pay your premiums by direct debit, you need to let us know if your salary changes so that we can adjust your premiums accordingly. This is to ensure that your cover is provided in line with your current gross salary and that you are paying the correct premium amounts.

Opt-out 

If you do not wish to be a member of the Plan, you have the option of cancelling your cover before the end of your 9 months’ free period by completing the opt-out form here. Any premium that you have paid will be refunded to you. If you cancel your cover after your 9 months’ free period, any premiums you have paid will not be refunded.

It is important to note that if you cancel your cover, and decide to join later, you will need to complete an application form and undergo full medical underwriting.