Mr. Tim Duggan:

It depends on what the Senator means by ill health. If the Senator means ill health to such an extent that she has to retire, then yes, there is early access provision to one's My Future Fund in such circumstances. If the Senator means ill health as sort of an insurance piece that some schemes offer, then that is not in it. As I said to the Senator in my reply, one of the things that NAERSA will have to do over the coming years is look at additional design features to enhance the scheme. Secondary benefits from the scheme is one of the things that will be looked at. Up to now, the focus has been on getting the scheme going for three quarters of a million people and then we will look at enhancing it afterwards. To sum up, there is early provision if a person has to retire because of ill health, the same as with an occupational scheme and secondary benefits will be looked at down the line.