What is The Plan?
The Aboriginal Community Funeral Plan (The Plan) is a funeral related expenses Plan that is provided by ACBF Funeral Plans Pty Ltd, who are a subsidiary company of ACBF Group Holdings Pty.
The Plan is not an insurance product or a pre-paid funeral plan, savings plan or account. There is no money “in your Plan”. Rather, in return for regular payments made by the Plan Holder into The Plan, ACBF will make a payout of up to the chosen Benefit Amount for any Nominee(s) on The Plan when they pass away. It is important to note that exclusions do apply – for more information, phone us on 1800 622 924 or email us via our
The Application Process
Who Can Apply?
The Plan is open to persons who at the time an application is made, are under 70 years of age who have not been diagnosed with a terminal illness.
The payment amount for each person you want to cover depends upon:
• The benefit amount you chose
• Their age and health
The application is accepted once ACBF receives the first scheduled payment in full. An applicant only becomes a Plan Holder and is covered by the Plan once the first scheduled payment is received in full. For the first 12 months a Nominee under the Plan will only be covered for $6,000 Benefit Amount. Once the 12 months has lapsed then the Nominee’s Benefit Amount will automatically go up to the Benefit Amount that they selected when they signed up.
30-Day Cooling-Off Period
A cooling off period is a time where you can decide whether the product you enter into is right for you and your circumstances.
The cooling off period for the plan is 30 days and it begins from the date of your application. This means you can cancel your application anytime during this 30 day period at no charge. If you make any payments during this time, ACBF will refund these payments back to. If you decide to cancel your plan after the cooling off period then you are not eligible for a refund.
If you would like to cancel during the 30-Day Cooling-Off Period, please contact us on 1800 622 924, or email us at email@example.com.
Payment Amount & Frequency
The amount of the payment depends on:
- Number of Nominees on the Plan;
- Health Levels of the Nominees; and
- The selected Benefit Amount for each Nominee.
The frequency of payments depends on which one you selected during your application. You can choose to either pay fortnightly, monthly, quarterly or annually.
In order to be a Plan Holder, you must maintain your payments. It is important that you have sufficient funds in your bank or credit union account on the day your payment is debited, to ensure you avoid any missed plan payments or any bank fees which your bank may charge. If you miss four payments within one calendar year, your Plan may be cancelled.
For more details on what happens if you miss any Plan payments, please contact us via email, or phone us on 1800 622 924.
Methods of Payment
You can choose one the following payment methods to make payments into Your Plan:
- Direct Debit: You can use a bank or credit union account to make your regular payments by completing a Direct Debit Request form. This allows ACBF to automatically take regular payments from the bank or credit union account.
- B-point: You can use the B-point system to make your regular payments. This allows ACBF to automatically take regular payments from Your Visa or MasterCard debit card. This payment method is similar to Direct Debit; however, payments will usually be debited from Your Visa or MasterCard Debit card early in the morning and there are no fees for reversals.
- Direct Deposit: You can make your regular payments via a Direct Deposit, either at a Commonwealth Bank branch or via internet banking. Note: If You choose Direct Deposit to make Your regular payments, it is important that You maintain Your regular payments at the payment frequency You have agreed with Us, to ensure You avoid missing any Plan payments.
We will notify a Plan Holder in writing four (4) weeks before any changes are made to their regular payments, to ensure they are aware and can plan accordingly.
Regular payment will increase for any Nominee’s on a Plan when they reach certain age milestone, as detailed below. This also depends on what Health Level Classification they have been assigned and their age at application:
- Health Level 1 – Ages 19, 40, 50, 60
- Health Level 2 – Ages 19, 40, 50, 60
- Health Level 3 – Ages 50, 65
When a Nominee on a Plan with a Health Level of 1 or 2 reaches the age of 60, there will be no further increases to their regular payment(s) for these Nominee’s. When a Nominee on a Plan with a Health Level 3 reaches the age of 65, there will be no further increases to their regular payment(s) for these Nominee’s.
When a Nominee on a Plan passes away, ACBF will need to be notified as soon as possible in order to lodge and process a claim with the Insurer for a payout.
Once notified, our claims department will contact the Authorised Contact to discuss what documents and information we need in order to lodge and process a claim, which we will then send to the Plan’s Insurer for approval. In some instances, the Insurer may require additional information before approving a claim.
Once the claim is approved by the Plan’s Insurer, we will provide a payout for the Nominee’s funeral and its related expenses up to the Benefit Amount. Typically, an approved payout will usually be made within 7 days, subject to us receiving all requested information.
The Payout is the amount of money ACBF pay for the cost of a Nominee’s funeral and its related expenses when they pass away – up to their selected Benefit Amount. The amount which ACBF pays out, depends on:
- The Benefit Amount of the Nominee who has passed away;
- The length of time the Nominee has been included for cover on The Plan; and
- The Health Level assigned to the Nominee when they were approved.
During the first 12 months of a Plan, any Nominee’s listed on Your Plan will be eligible for a payout of up to $6,000 benefit amount for funeral and related expenses, which increases to their nominated benefit amount thereafter.
If during the first 12 months, a Nominee passes away because of suicide, we are unable to provide a payout up to the full benefit amount for that Nominee, but we will refund any payments made within that time for that Nominee, in full.
The payout can only be used to pay the funeral directors account costs, as well as any other expenses related to the funeral of the Nominee who has passed away.
Funeral and Related Expenses
The Plan provides a payout up to the Benefit Amount to cover funeral and related expenses for a Nominee when they pass away. Please see below a list containing examples of funeral director account items and other funeral related expenses which are usually eligible for a payout, when a Nominee passes away.
Funeral costs which typically appear on a funeral director account;
- Funeral director professional fees
- Coffin or casket including cultural painting and decoration
- Mortuary storage and transportation
- Embalming and body preparation
- Copy of death certificate
- Obituary/notices in paper, radio etc.
- Hearse, mourning car(s) and driver(s)
- Funeral ceremony (order of service) and viewing
- Clergy (minister) or celebrant fees/donation
- Burial and cremation orders
- Grave marker/space
- Grave digging fees (open/close fee)
- Cremation fees
- Headstone/Plaque supply and engraving
- Flowering arrangements
- Memorial books/order of service booklet/memorial cards/hymn sheets etc.
- Choir, soloist, organist fees
Other funeral related expenses;
- Travel and accommodation costs for family and friends to attend the funeral, such as air fares, air charter, train or bus fares, petrol, food, and accommodation.
- Clothing for the funeral, such as cost of hiring and/or buying clothing for friend and family to attend the funeral and associated functions.
- Wake costs, such as all costs associated with the wake such as catering, venue hire, DVD/video/multimedia fees, musician or band fees etc.
Admin & Communication
If a Plan Holder no longer wants to be a Plan Holder, then they can cancel their Plan at any time. They can do this either by emailing a written request to firstname.lastname@example.org;
If a Plan is cancelled after the 30-Day Cooling-Off Period, you will not receive a refund for any payments made towards your Plan.
Once you cancel the Plan, the Nominee(s) will not be eligible for a payout of the Benefit Amount if they pass away.
After cancellation, if you wish to reapply to become a Plan Holder at a later date, you will not have cover for funeral and related expenses on your new Plan from the time you cancelled your previous Plan, until the first full payment for your new plan has been received in full.
The Plan Holder is the automatic main point of contact regarding any administration or communication relating to their Plan.
We will only send communication to the address noted in the Plan Schedule. If you move or change any contact details, you must contact us.
You can update your contact details by calling Us on 1800 622 924, or emailing us at email@example.com and one of our customer services team will update Your Plan with Your new information.
The ACBF Group understand and appreciate that your privacy is important to you.
We are committed to protecting your personal information and we agree to comply with National Privacy Principles (NPPs) set out in the Commonwealth Privacy Act 1988. The NPPs regulate the way that
organisations can collect, use, keep, secure and disclose personal information. They also give individuals the right to know what information an organisation holds about them and a right to correct that information if it is wrong.
When you apply to become a Plan Holder, we ask you to provide some personal information for yourself and any Nominees. Because your privacy is important to us, we only ask you to provide personal information that we believe is necessary.
- Information needed to identify and contact you, the Plan Holder, and/or any Nominee(s) on your Plan such as names, contact details, and date(s) of birth.
- Information in relation to the state of health for any Nominee(s), which we need, to determine the health level classification for each Nominee and their eligibility for a benefit amount on your Plan.
- A bank account information because we need to process your regular payments.
- A debit card number because we need, to process your regular payments into your Plan if paying by B-Point.
Persons age 18 or over are responsible for providing their own personal information.
If you do not provide us with all or part of the personal information we request, you may not be able to become a Plan Holder or Nominee as part of The Plan, or the availability or amount of any payout when a Nominee passes away may be affected.
- a bank;
- companies within the ACBF Group of Companies;
- any agents used by us;
- Your executor, administrator, guardian or attorney;
- a person who may be entitled to receive a payment on your passing;
- regulatory bodies, government agencies, law enforcement bodies and courts;
- health professionals;
- any nominated funeral director;
- Your Disclosure Contact to the extent reasonably necessary to locate you if we are unable to get in contact with you;
- Your Authorised Contact; and
- the Insurer and any reinsurer.
There may be exceptional circumstances in which we will also disclose personal information, such as when there are grounds to believe that the disclosure is necessary to prevent a threat to life or health.