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SuperRatings' Pension of the Year 4 years in a row4
Financial security when you need it most
Total and permanent disability (TPD) insurance pays you a lump sum if you are unable to work again due to illness or injury. This allows you to take care of yourself and your loved ones, as well as cover any ongoing medical costs.
You may have TPD cover included with your QSuper account if you are aged between 25 and 64 and are otherwise eligible.1 You can check your current level of cover in Member Online.
Your level of cover depends on your age and employment arrangements.
We don't require any personal medical history before providing you with automatic cover (if eligible), so you can avoid the hassle of time-consuming health checks.2
The cost of your TPD cover is paid directly from your super account, not your take-home pay. This means that the cost won't impact your day-to-day budget, giving you more financial freedom.
How much you pay for TPD cover will depend on your age and employment arrangements.
Log in to Member Online to see how much TPD cover you have included with your QSuper account. If you don't have cover, you can apply online.
QSuper insurance is designed to be flexible. After you join, you can tailor your TPD cover by choosing to apply for fixed or unitised cover, increasing or decreasing your level of cover, cancelling or permanently opting in to cover, or changing how much you pay to reflect your job. You can change your cover by logging into Member Online.
It's important to look at how much money you might need if you were unable to work again. If you choose to tailor your cover, consider the cost of taking care of your loved ones, out-of-pocket medical expenses, home or transport modifications, and any ongoing financial needs. Use our Insurance Needs Calculator to get an understanding of how much cover you might need.
The real value of TPD insurance is that you and your loved ones are financially supported if you're unable to work. We aim to make the claims process as simple as possible.
You may automatically receive unitised TPD cover when you join QSuper through an employer, depending on your age, account balance, and eligibility. If you join online, you can choose to receive unitised TPD cover if eligible.
With unitised cover, how much you are insured for is based on multiple 'units' of cover. Each unit is worth a dollar value based on your age.
You can see your level of cover in Member Online.
Fixed cover is based on a fixed dollar amount nominated by you and will remain unchanged until you tell us you want to change it. You can buy fixed cover in multiples of $1,000 of cover, with the cost based on your age.
Based on your fixed cover amount at age 60, the amount of TPD cover you have will reduce every year from your 61st birthday, and will be cancelled when you turn 65. For more information about fixed cover, refer to the Accumulation Account Insurance Guide (pdf).
For more information about the insurance cover provided through QSuper, see our other Insurance FAQs, or read the Accumulation Account Insurance Guide (pdf).
It's easy to check how much insurance you have and make any changes, in Member Online.
1. 16-59 years old if you work for the Queensland Police Service.
2. Up to the automatic acceptance limit.