The Australian Government has made changes to when insurance is provided through superannuation. Find out more.

What COVID-19 (coronavirus) means for QSuper insurance. Find out more.

Your employees' insurance options

Most QSuper members will have insurance included with their account, if they're eligible.
Our insurance is designed to be flexible, so it can be tailored to suit each members' individual needs.

Income protection

Income protection pays a weekly benefit to replace part of a person's income if they are unable to work for a period of time due to serious illness or injury. This allows them to cover everyday living expenses and maintain the lifestyle they've built for themselves and their family.

Find out more

Total and permanent disability (TPD) cover

TPD cover pays a lump sum if an illness or injury leaves someone unable to work again. This allows them to cover out-of-pocket medical expenses, home or transport modifications, support their ongoing financial needs, and take care of their dependants.

Find out more

Death cover

Death cover pays a lump sum to a person's beneficiaries in the event of their death or terminal illness. This allows them to pay off any existing debts, cover living expenses for their dependants, or provide financial support to their dependants in their absence.

Find out more

Insurance when your employees join

Focus on your business, knowing your people are protected

When you join as an employer and make QSuper your default fund, new employees will automatically receive insurance cover when they become QSuper members and meet all eligibility requirements.1

No health checks

We don't require any personal medical history before providing members with insurance cover when they first join, so they can avoid the hassle of time-consuming health checks.2

No pre-existing exclusion periods

In most cases, the insurance cover we provide members when they first join won't have a pre‑existing exclusion period as long as they are at work on the day their cover starts.

Fast claim times

You can feel confident that our claims processing times are ranked as industry leading. QSuper members experience the fastest average income protection claim times for cover provided through super.3

Support when life doesn't go to plan

If your employee needs to make an insurance claim, we'll be right by you, working towards the best outcome for all involved.

people Holistic claims management

We'll work in partnership with you, your employee, and healthcare professionals throughout the claims process.

By not following a one-size-fits-all approach, we’re able to deliver personalised outcomes for all our members who make a claim. We will:

  • Have regular, meaningful conversations with all parties involved
  • Develop a tailored plan of action that focuses on proactive and ongoing support
  • Deliver customised solutions for all members who are away from work due to illness or injury.

briefcase Graduated return to work programs

Returning to work with fewer hours or reduced duties with your support is a good way for a sick or injured employee to transition back to normal hours.

Your employee's claims manager will consider all medical evidence and let them know whether a graduated return to work program might be right for them, with the aim to:

  • Return your employee to normal duties and hours, taking into account their medical barriers
  • Increase your employee's hours and duties over a specified time period
  • Be supported by up-to-date medical information.

Partner with a super fund that's right by you

Give your employees peace of mind they can apply for QSuper insurance that's tailored to suit their needs.

Join as an employer

Insurance FAQs Show all Hide all

Your employee can check whether they have income protection with QSuper by logging in to Member Online. They can then contact us to make an insurance claim. We'll ask them to complete the Income Protection Benefit Claim form (found at the back of the Income Protection Benefit Guide (pdf)). As their employer, you'll need to complete Part B of the form (the Employer's statement). Read our factsheet (pdf) to find out more about the income protection insurance claims process.

Your employee can check whether they have TPD cover with QSuper by logging in to Member Online. They can then contact us to make an insurance claim. We'll ask them to complete the TPD Benefit Claim form (found at the back of the Permanent Disability Benefit Guide (pdf)). As their employer, you'll need to complete Part B of the form (the Employer's statement).

If their claim is approved, you’ll need to update your contribution payment file if the employee no longer works for you. Make sure your employee is recorded as a 'leaver' on your first contribution payment file after the 'effective date'. The leaver code should show the actual date of termination after all contributions and adjustments are made.

If an employee has passed away, please contact us to let us know. We'll reach out to whoever is handling your employee's estate to let them know what we need.

If your employee has a Defined Benefit account, State account or Police account, you need to complete the employer certification section of the relevant claim form.

We ask that you make sure the person who has died is recorded as a 'leaver' on the first available contribution payment file, after all payments and adjustments are made.

After the final payment, the member should be shown on the contribution payment file, with a leaver code showing the actual date of death. Find out more about death and superannuation.

Your employee can lodge a claim with both QSuper and WorkCover. However, they cannot receive a benefit from both QSuper and WorkCover for the same period.

Yes. Some employees claim WorkCover benefits until their payment starts to reduce. Then, they cancel further WorkCover payments and claim a QSuper income protection benefit.

Before this can happen, the employee needs to have completed their relevant income protection waiting period.

The differences are outlined in the table below. Members can check their QSuper income protection details in Member Online.

  QSuper income protection WorkCover Queensland payments
Waiting period/leave requirements 30, 60, or 90 days (depending on the member's cover) or accrued sick leave, whichever is greater. Special leave without pay.
Rate of benefit payment If the member has salary-based cover: 87.75% of insured salary, which includes a payment to their QSuper account4
If the member has unitised cover: The lesser of the insured value of the member's units or 87.75% of their pre‑disability income, which includes a payment to their QSuper account. 5 		If an industrial award applies: The greater of the amount payable under that award, or 85% of normal weekly earnings (NWE) for 26 weeks.
If an industrial award doesn't apply: The greater of 85% of NWE or 80% of Queensland ordinary times earnings (QOTE) for 26 weeks.
After 26 weeks: The greater of 75% of NWE, or 70% of QOT for up to 2 years. Otherwise, an amount equal to the single pension rate.
Member contributions including standard contributions Not paid by QSuper. The employee may choose to make contributions directly to their QSuper account. Not paid by WorkCover. The employee may choose to make contributions directly to their QSuper account.
Employer contributions QSuper will make a payment of 12.75% of the member's insured salary (or $72.65 per unit if they have unitised cover) into their Accumulation account. Not paid by WorkCover. The employer may choose to make contributions directly to the member's QSuper account.
Graduated return to work benefits QSuper will pay a percentage of the difference between the member's insured salary (or pre-disability income if the employee has unitised cover), and their return to employment income. This includes a payment to their QSuper account of 12.75% of insured salary (or $72.65 per unit if they have unitised cover). A proportion of the employee's WorkCover benefit is payable, which depends on the loss of earnings as a result of the injury.

More information about QSuper's income protection can be found in the Accumulation Account Insurance Guide (pdf). Visit WorkCover Queensland for more information about WorkCover payments.

The differences are outlined in the table below. Members can check their QSuper income protection details in Member Online.

  QSuper income protection WorkCover Queensland payments
Waiting period/leave requirements Paid sick leave plus 14 consecutive days of unpaid sick leave. Paid leave cannot be taken during this period Special leave without pay.
Rate of benefit payment Up to 75% of salary. If an industrial award applies: The greater of the amount payable under that award, or 85% of normal weekly earnings (NWE) for 26 weeks.
If an industrial award doesn't apply: The greater of 85% of NWE or 80% of Queensland ordinary times earnings (QOTE) for 26 weeks.
After 26 weeks: The greater of 75% of NWE, or 70% of QOT for up to 2 years. Otherwise, an amount equal to the single pension rate.
Member contributions including standard contributions The member's defined benefit will continue to grow at a ratio of 0.21. Not paid by WorkCover. The employee may choose to make contributions directly to their QSuper account.
Employer contributions Employer contributions continue to be paid by the employer. Not paid by WorkCover. The employer may choose to continue to make contributions. 
Graduated return to work benefits Employees will receive a proportion of their benefit dependent on the hours they are unable to work. A proportion of the employee's WorkCover benefit is payable, which depends on the loss of earnings as a result of the injury.

Find out more about insurance for QSuper Defined Benefit accounts. Visit WorkCover Queensland for more information about WorkCover payments.

Your employee should contact their QSuper claims manager to discuss their options.

Their claims manager will consider the medical evidence and work with you, your employee, and their treating medical practitioner to develop a Graduated Return to Work agreement (pdf).

When the arrangement starts, you'll need to deduct contributions at the employee's nominated percentage, based on the reduced salary. When the employee starts work on a reduced income, standard member contributions and compulsory employer payments must reflect the reduced salary.

On your contribution payment file, record the normal standard full-time hours, reduced standard base hours and reduced hours worked.

Income protection claims, including any graduated return to work period, continue up to the employee's maximum benefit period for a condition or related condition. If your employee doesn’t know what their benefit period is they can find out in Member Online. The introduction of the graduated return to work benefit is designed to return your employee to their usual job, usually within twelve weeks of them starting the program.

Insurance may be different for QSuper members with a State or Police account. These members should contact us directly to discuss their options if they wish to make a claim.

1. For details of the default insurance cover members will receive and when it will start, read the Accumulation Account Insurance Guide (pdf).
2. Up to the automatic acceptance limit and eligibility criteria applies. The default cover members will automatically receive depends on their age, employment arrangements, and account balance. Refer to the Accumulation Account Insurance Guide (pdf) for details.
3. For period 1 January - 31 December 2019. Source: MoneySmart Life insurance claims comparison tool. Accessed 19 May 2020: www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/life-insurance-claims-comparison-tool
4. Cover amount is 87.75% of the member's insured salary which includes a contribution replacement benefit of 12.75% of insured salary into their QSuper account.
5. Includes a contribution replacement benefit $72.65 per unit into their QSuper account. Benefits are limited to 87.75% of the member's insured salary (or pre-disability income), up to a monthly benefit of $30,000, reducing to 62.75% of insured salary (or pre-disability income) on any further monthly benefit up to $50,000.