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.

Benefits of QSuper insurance

Focus on your business, knowing we have you covered.

Convenient protection

Most employees with a QSuper account have insurance cover automatically included if they're eligible.

Tailored plans for claims

Employees get a tailored plan with regular check-ins and ongoing support throughout the claim process.

Return to work programs

Enjoy personalised support for your employees, to help them transition back to work after illness or injury.

Insurance for employees

We offer three types of insurance for your employees with a QSuper account:

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Income protection if they can't work temporarily due to an illness or injury
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Total and permanent disability (TPD) cover if they suffer an illness or injury that means they are unlikely ever to be able to work again
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Death cover (also known as life cover) if your employee dies or has a terminal illness.

New employees who join QSuper will receive automatic insurance cover when they meet all eligibility rules. For details, download the QSuper Insurance Guide (pdf).

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Education sessions for your employees

Book a workplace seminar or webinar to help your employees understand their insurance options in super.

How to help your employee make an insurance claim

We aim to make the claims process as simple as possible and get the best outcomes for all involved.

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

What your employee needs to do

To make a claim, your employee should:

  1. Check what they're covered for by logging in to Member Online
  2. Contact us to make an insurance claim
  3. Complete the relevant parts of the claim form.

Find out more

What you need to do

Income protection claim

  • Fill out the Employer's Statement (part B of the claim form) in the Income Protection Benefit Guide (pdf).
  • Tell us if your employee returns to work or leaves your employment before we approve the claim.
  • Read our factsheet (pdf) for more information on the process.

Once the claim is assessed, we'll let both you and your employee know the outcome and next steps.

Total and permanent disability (TPD) claim

  • You may be asked to fill out the Employer's Statement (part B of the claim form) in the Permanent Disability Benefit Guide (pdf).
  • Tell us if your employee's situation changes, e.g. if they return to work.

If they no longer work for you:

  • Make sure they're noted 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.
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Support for employees returning to work

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:

  • Return your employee to normal duties and hours, taking into account their medical barriers
  • Increase their hours and duties over a set time period
  • Use up-to-date medical information to give them the best support possible.

Insurance in super FAQs for employers

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.

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 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:

  • Normal standard full-time hours
  • Reduced standard base hours
  • 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. (The benefit period means how long we can pay insurance benefits for them.)

If your employee doesn't know what their benefit period is, they can find out in Member Online.

The graduated return to work benefit aims to return your employee to their normal job, usually within 12 weeks of them starting the program.

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

The World Health Organisation (WHO) has declared COVID-19 as a pandemic illness.

The insurance policy we have with our insurer, ART Life Insurance, includes a pandemic illness exclusion that took effect from 18 March 2020. See how it applies to your employee in our Insurance Guide (pdf).

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.