In line with your membership to the DCU Superannuation Scheme, you will be automatically included in the DCU Group Income Continuance Plan (ICP) with effect from the same date. The Income Continuance Plan provides a source of income in the event of long or short-term temporary disability. The Group Scheme also provides death in service cover of twice your annual salary with the additional option to avail of the Retired Members Life Cover Plan without underwriting at retirement. You reserve the right to opt out of the Group scheme, however should you wish to exercise this option, you are required to read the enclosed Explanatory Booklet and complete the attached opt out form.