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Help for you and your employees when life doesn't go to plan
It's always good to know your people have the protection they need. Our insurance is flexible, so employees can change it better to suit their needs. And when you need us, we'll be right by your side.
Focus on your business, knowing we have you covered.
Most employees with a QSuper account have insurance cover automatically included if they're eligible.
Employees get a tailored plan with regular check-ins and ongoing support throughout the claim process.
Enjoy personalised support for your employees, to help them transition back to work after illness or injury.
We offer three types of insurance for your employees with a QSuper account:
New employees who join QSuper will receive automatic insurance cover when they meet all
eligibility rules. For details, download the QSuper Insurance Guide (pdf).
Book a workplace seminar or webinar to help your employees understand their insurance options in super.
We aim to make the claims process as simple as possible and get the best outcomes for all
QSuper income protection has the fastest average time for making claim decisions when it comes to cover
provided through super. And we approve 98% of claims.1
To make a claim, your employee should:
Find out more
Once the claim is assessed, we'll let both you and your employee know the outcome and
If they no longer work for you:
A graduated return to work program is a great way for a sick or injured employee to ease back into normal
hours. This might include working less hours or reduced duties with your support.
Your employee's claims manager will consider all medical evidence and let them know whether this option is right for them, with an aim to:
Find an answer to common questions employers ask us about insurance in super.
If one of your team has passed away, please contact us. We'll reach out to whoever is handling your employee's estate to let them know what we need.
If your employee had a Defined Benefit account, State account, or Police account, you need to fill in the employer certification section of the relevant claim form:
Also, make sure they're noted 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.
Your employee can lodge a claim for both their QSuper account insurance and WorkCover or their state's relevant Workers' Compensation scheme.
Any WorkCover claim payments they get reduce how much we can pay them in income protection benefits. And the time they're on a WorkCover claim will count towards how long they can receive income protection payments with us (their income protection benefit period).
If your employee doesn't know what their benefit period is, they can find out in Member Online.
If they have a QSuper Defined Benefit account: Having a WorkCover claim approved for the condition or illness may mean we have to reduce or stop their income protection benefit. They'll need to let us know about this as soon as possible.
Find out more about insurance for QSuper Defined Benefit accounts.
Yes, they can switch as long as they have completed their income protection waiting period.
If your employee doesn't know what their waiting or benefit periods are, they can find out in Member Online.
If they have a QSuper Defined Benefit account: They'll have to finish their waiting period by using all of their paid sick leave, and then 14 days in a row of unpaid sick leave, before getting income protection payments. Any WorkCover payments they get may reduce or suspend their income protection payments. If we need to suspend payments, this won't count towards the income protection benefit period.
If your employee leaves, their income protection payments will continue as long as they meet our definitions of total and temporary disablement, or partial and temporary disablement. You can read the full definitions in our Insurance Guide (pdf).
If they have a Defined Benefit account: They'll no longer be eligible for payments as their account will close. However, payments will continue if they start a new job with an employer who is eligible to contribute to their Defined Benefit account within 1 month of leaving their original employer.
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 plan 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.
In your contribution file, record:
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. (The benefit period means how long we can pay insurance benefits for them.)
The graduated return to work benefit aims to return your employee to their normal job, usually within 12 weeks of them starting the program.
The World Health Organisation (WHO) has declared COVID-19 as a pandemic illness.
The insurance policy we have with our insurer, QInsure, includes a pandemic illness exclusion that took effect from 18 March 2020. See how it applies to your employee in our Insurance Guide (pdf).
Get in touch with us if you have any questions about our insurance options and processes.
1. 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 July 2021 to 30 June 2022. 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 14 November 2022.