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For employers outside the Queensland Government.
Income protection insurance may provide your employees with an income if they aren’t able to work for a period of time due to illness or injury. It’s available to all employees, including those that are employed on a casual basis. You’ll find an overview of the role you play as an employer in the claims process in our handy factsheet.
If one of your employees wants to make a superannuation income protection claim, here are the steps you’ll need to follow:
They can only receive an income protection benefit from a single source at any one time. They can lodge a claim with both us and WorkCover so they continue receiving an income. However, if their WorkCover claim is successful, they’ll need to pay back any income protection benefits to us.
There’s a declaration and authorisation included in Part A of the Income protection benefit claim form stating they’ll reimburse us for any income protection benefits paid if their WorkCover claim is successful. This form is in the back of the Income Protection Benefit Guide.
QSuper income protection
Waiting period/leave requirements
Waiting period varies depending on your employee’s cover. They can log in to Member Online to view their insurance details.
Special leave without pay
Rate of benefit payment
87.75% of insured salary (includes a CRB1 of 12.75% of insured salary) for employees with salary based cover. Employees with unitised cover will be paid according to the number of units of cover they hold (up to 87.75 percent of their income) – this benefit also includes a CRB1 payment.
100% award rate under industrial instrument, or 85% of normal weekly earnings for 26 weeks
Maintained by QSuper
Optional for employee
Maintained by QSuper
Depends on employee's choice to contribute
Retirement benefit growth
Continues as if employee was working and contributing
Depends on whether member chooses to contribute
Subject to employer advising of suitable position and duties – QSuper pays 87.75% of salary difference. This includes a CRB1 of 12.75% of insured salary (or income if the employee holds unitised cover).
26 weeks to 2 years:
From two to five years, where a worker demonstrates the injury results in work-related impairment of more than 15%, payment is the greater of:
Otherwise, an amount equal to the single pension rate
1. Contribution replacement benefit – a payment made to your employee’s QSuper Accumulation account while they are receiving an income protection benefit.
The above table of WorkCover benefits is for reference only. We recommend you confirm these details with WorkCover.
Yes, absolutely. Some employees claim WorkCover benefits until their payment starts to reduce. Then, they cancel further WorkCover payments and claim the QSuper superannuation income protection benefit. That way they’ll continue receiving 87.75% of their insured salary (or their nominated payment level if they have unitised cover).
Before this can happen, the employee needs to have completed their relevant waiting period.
The employer must: