If you were eligible to receive income protection insurance when you first joined QSuper through your employer, your income protection will be salary-based.
This means your income protection benefit amount and cost will be based on your insured salary, which is determined using the contributions we receive from your employer.
If you want to be covered for a different amount, or if you didn't receive income protection cover when you first joined QSuper (for example, if you joined online or work on a casual basis), you can apply for unitised cover.
With unitised cover, you can buy cover in "units". Each unit is worth $500 a month, which includes a superannuation contribution replacement benefit. You can buy as many units as you need (subject to maximum limits) – which is great if you receive income from an employer other than the one putting money in your QSuper account, and you want to be covered for your total income from both jobs.
If you are under age 25, your account balance is under $6,000, or your account hasn't received money in 13 months, you may need to permanently opt in to your new cover when you apply.