Income protection insurance covers you if you're temporarily unable to work in your current job due to illness or injury.
Income protection insurance is automatically provided to permanent and temporary Queensland Government employees making standard member contributions. Income protection insurance is not available to police officers or casual employees.
To find out if you have income protection insurance, check the details on your welcome letter (or latest benefit statement) or contact us.
How much am I covered for?
Accumulation accounts - If you meet certain criteria, an income protection benefit is paid at 75% of your relevant salary for up to two years for a temporary disablement. Income protection is available to you until you reach age 65 or you finish employment with the Queensland Government.
Defined Benefit accounts - If you meet certain criteria, an income protection benefit is paid at 75% of your 1 July salary for up to two years for a temporary disablement. Income protection is available to you until you finish employment with the Queensland Government. While receiving the income protection benefit you will not be required to make standard contributions, but your future benefits will continue to grow as if you were making them.
How much does it cost?
Accumulation accounts - The cost of your income protection insurance premium will depend on your age. Premiums are deducted from your account.
| Age |
Premium rate
(% of salary) |
Age |
Premium rate
(% of salary) |
Age |
Premium rate
(% of salary) |
Age |
Premium rate
(% of salary) |
| 16 |
0.05% |
29 |
0.22% |
42 |
0.44% |
55 |
0.79% |
| 17 |
0.06% |
30 |
0.23% |
43 |
0.46% |
56 |
0.83% |
| 18 |
0.07% |
31 |
0.25% |
44 |
0.48% |
57 |
0.87% |
| 19 |
0.09% |
32 |
0.27% |
45 |
0.50% |
58 |
0.91% |
| 20 |
0.10% |
33 |
0.28% |
46 |
0.53% |
59 |
0.95% |
| 21 |
0.11% |
34 |
0.30% |
47 |
0.55% |
60 |
0.99% |
| 22 |
0.12% |
35 |
0.31% |
48 |
0.58% |
61 |
1.04% |
| 23 |
0.14% |
36 |
0.33% |
49 |
0.60% |
62 |
1.09% |
| 24 |
0.15% |
37 |
0.35% |
50 |
0.63% |
63 |
1.15% |
| 25 |
0.16% |
38 |
0.36% |
51 |
0.66% |
64 |
1.21% |
| 26 |
0.18% |
39 |
0.38% |
52 |
0.69% |
|
|
| 27 |
0.19% |
40 |
0.40% |
53 |
0.72% |
|
|
| 28 |
0.21% |
41 |
0.42% |
54 |
0.76% |
|
|
Defined Benefit accounts - Your income protection insurance is part of your Defined Benefit account package of benefits. There is no additional cost for standard cover.
Pre-existing medical 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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Check out our list of insurance frequently asked questions.