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Affordable protection for your employees
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.
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 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 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.
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
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
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.
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
If your employee needs to make an insurance claim, we'll be right by you, 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:
Give your employees peace of mind they can apply for QSuper insurance that's tailored to suit their needs.
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.
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.
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 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.
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.