Changing your cover

Flexible cover you can personalise to your needs

QSuper insurance is designed to be flexible. After you join, you can tailor your income protection insurance, total and permanent disability (TPD) cover, or death cover to suit you.

 

Income protection

You can change:

  • How much you're insured for (up to set limits)
  • How long before you receive payments (your waiting period)1
  • How long you'll be paid (your benefit period)1
  • How much you pay based on your current job (occupational rating)
Find out more about income protection insurance.
 

Total and permanent disability (TPD) cover

You can change:

  • How much you're insured for (up to set limits)
  • How much you pay based on your current job (occupational rating)
  • Whether your cover is 'fixed' so the dollar amount doesn't change unless you request it.
Find out more about TPD cover.
 

Death cover

You can change:

  • How much you're insured for (up to set limits)
  • How much you pay based on your current job (occupational rating)
  • Whether your cover is 'fixed' so the dollar amount doesn't change unless you request it.
Find out more about death cover.

How to change your cover

You can easily personalise your insurance cover by logging into Member Online.

Change your cover

What else to consider

Your current level of cover

Most members automatically receive insurance so make sure you check your current level of cover before you apply to change or personalise it.

When you first join QSuper, we will let you know how much you're insured for. Your level of cover will depend on your age, employment arrangements, and how you joined us.

Find out what insurance cover you might have included with your account or log in to Member Online to see your current level of cover.

View current cover

Make sure you're always covered

You can choose to have your income protection insurance, death cover, or TPD cover continue even if you stop receiving money into your QSuper account by 'permanently opting in' to cover.

This makes sure that you and your loved ones are covered even if your contributions are inconsistent – which is great if you're a contract worker. Log in to Member Online to permanently opt in to cover.

Permanently opt in

How to cancel your cover

If you feel that any of our insurance options are not right for your circumstances, you have the option to cancel any or all of them at any time.

Cancel your cover

For more information

Read the Accumulation Account Insurance Guide (pdf) for more information about the different ways you can personalise your insurance cover.


1. Excluding Queensland Police Officers.