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Death and total and permanent disability (TPD) insurance provides a payment when you die, or in the event you're unlikely to ever be able to work again in a job for which you are reasonably qualified by education, training, or experience.

You may also have access to your QSuper benefit if you are diagnosed with a terminal medical condition which is likely to result in your death within twelve months.

Am I covered?

Death and TPD insurance is automatically provided to all working QSuper members. To find out your level of cover, check the details on your welcome letter or your latest benefit statement, or call us.

How much am I covered for?

Accumulation accounts - Accumulation account holders have an insurance benefit that is a specific dollar value based on your age and how many units of insurance you hold.

Employee type	Cost per unit	Default number of units	Maximum level of coverage
Permanent employees	$1.251	4 units	$2,000,000
Temporary employees	$1.251	4 units	$2,000,000
Casual employees	$1.251	2 units	$1,000,000

1. For police officers, units cost $2.75 per week.

Coverage per unit:

Age	Amount of cover per unit	Age	Amount of cover per unit	Age	Amount of cover per unit
Up to 35	$100,000	47	$29,000	59	$5,100
36	$90,600	48	$25,700	60	$4,500
37	$80,500	49	$22,700	61	$4,000
38	$72,400	50	$20,000	62	$3,500
39	$65,600	51	$16,200	63	$3,000
40	$59,700	52	$14,400	64	$2,700
41	$54,400	53	$12,600	65	$2,4002
42	$49,500	54	$10,800	66	$2,1002
43	$44,900	55	$9,500	67	$1,9002
44	$40,500	56	$8,000	68	$1,7002
45	$36,400	57	$6,800	69	$1,5002
46	$32,600	58	$5,800	70	$0

2. From age 65, the cost of each unit of death-only cover will reduce to $0.37 per week. Death-only cover is not available to police officers. For further information please see the Insurance guide relevant to your circumstances.

Insurance premiums are deducted from your Accumulation account balance each quarter.

Example
Bruce is 43 years old, has an Accumulation account, and is a permanent employee. The default level of death and TPD insurance costs $5 per week and provides him with $179,600 ($44,900 x 4) worth of cover. He can increase his insurance in blocks of $44,900 at a cost of $1.25 per week.

Defined Benefit accounts - Death and TPD insurance is part of your Defined Benefit account package of benefits. There is no additional cost for standard cover.

Pre-existing conditions

Insurance cover is subject to restrictions for pre-existing conditions. For more information please refer to the product disclosure statement.

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