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Income protection insurance

Your insurance cover


Queensland Government employee – Your salary is the proportion of Queensland Government remuneration on which your super contributions are calculated.

More information is available in the Accumulation Account Insurance Guide for Queensland Government employees.

Non-Queensland Government employees – Salary refers to your 'earned income' and is the before tax amount.

  • If you are an employee, 'earned income' is the last amount agreed between you and your employer as your annual salary or wage, and includes commission and all other regular payments.
  • If you are self-employed, 'earned income' is the income generated from your personal exertion, net of any expenses incurred by you in earning that income.

More information is available in the Accumulation Account Insurance Guide.


Most QSuper members have an Accumulation account, which is our standard account type. If you are unsure about your account, please check your latest benefit statement or log in to Member Online.


If you're employed by the Queensland Government you may be eligible for automatic income protection insurance. If you don't work for the Queensland Government, and you're eligible, you can choose to apply for income protection cover.

If you suffer an injury or illness that prevents you from working temporarily, the last thing you want is to have to worry about money. Income protection insurance can be a huge help, paying up to 75% of your salary while you are off work for up to two years. Premiums are deducted from your Accumulation account, or if you are a Defined Benefit account member your cover forms part of your package of benefits.

1. QInvest Limited (ABN 35 063 511 580, AFSL and Australian Credit Licence number 238274) is ultimately owned by the QSuper Board (ABN 32 125 059 006) as trustee for the QSuper Fund (ABN 60 905 115 063), and is a separate legal entity which is responsible for the financial services and credit services it provides.

Talk to us

For general insurance advice please contact us.

For personal advice contact QInvest1.