it depends on how far over the age limit you are - i think being 39 when DH entered PHI, it added the 9%. i can't recall for sure, but i think once you've been paying the extra for 10 years, it drops off...

it's latrobehealth with the normal dot com dot au after it - ring them for a quote - tell them what you want and get the best deal for your circs - they're really helpful people