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Affordable protection for your employees
What COVID-19 (coronavirus) means for QSuper insurance. Find out more.
Most QSuper members will have insurance automatically 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 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.
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.
Death cover pays a lump sum to a person's beneficiaries in the event of their death, or to the member for a 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.
New employees who join QSuper will receive insurance cover when they meet all eligibility requirements.1
We don't require any personal medical history before providing members with automatic insurance cover (if eligible), so they can avoid the hassle of time-consuming health checks.2
In most cases, the member will have no pre-existing exclusion period on their default cover once they have been at work for 30 consecutive days from when the member's cover starts.
QSuper members experience the fastest average income protection claim times for cover provided through super - and 97% of claims are approved.3
If your employee needs to make an insurance claim, we'll be right by them, working towards the best outcome for all involved.
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:
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:
Your employee can check whether they have income protection in their QSuper Accumulation account by logging in to Member Online. They can then contact us to make an insurance claim. We'll ask them to complete the member's part of our claim form.
As their employer, you'll need to complete Part B of the form (the employer's statement). Download the form now.
To find out more about our income protection insurance claims process, read our factsheet (pdf) or see the Income Protection Benefit Guide (pdf).
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 member's part of our claim form.
If the employee no longer works for you, you’ll need to update your contribution payment file. 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.
Read our Permanent Disability Benefit Guide (pdf) to find out more about the TPD insurance claims process.
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 your employee who has died is recorded as a 'leaver' on the first available contribution payment file, after all payments and adjustments are made, 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 or their state's relevant Workers' Compensation scheme.
However, the WorkCover claim will be offset against any IP benefit payable, and the time they are on a WorkCover claim will count towards their IP benefit period with us. If your employee doesn’t know what their benefit period is, they can find out in Member Online.
Yes, as long as they have completed their income protection waiting period.
However, any WorkCover claim will be offset against any IP benefit payable, and the time they are on a WorkCover claim will count towards their IP benefit period. If your employee doesn’t know what their benefit period is, they can find out in Member Online.
The differences are outlined in the table below. Members can check their QSuper income protection details in Member Online.
30, 60, or 90 days (depending on the member's cover) or accrued sick leave, whichever is greater.
Police: 180 days or accrued sick leave plus approved Queensland Police Service sick leave bank, whichever is greater.
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.
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 graduated return to work benefit is designed to return your employee to their usual job, usually within 12 weeks of them starting the program.
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; eligibility criteria apply. The default cover members will automatically receive depends on their age, employment arrangements, and account balance. See the Accumulation Account Insurance Guide (pdf) for details.
3. Based on the average amount of time it took our insurer to decide whether to accept or decline a claim for payment in the period 1 January 2020 to 31 December 2020. Source: MoneySmart Life insurance claims comparison tool. Data in this tool is reported by life insurers and friendly societies to the Australian Prudential Regulation Authority (APRA). Accessed 17 June 2021.
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.