You might have insurance cover included with your QSuper account, depending on how you joined QSuper, your employment arrangements, your age, and your account balance. You can check your current level of cover in Member Online.

When insurance starts Show all Hide all

You'll automatically have insurance included with your QSuper account when:

  • You're aged 25 years or older
  • Your account balance has been $6,000 or more, and
  • We've received money into your account in the last 13 months.

This criteria has been put in place to protect your retirement savings from being reduced by unwanted insurance premiums.

The rules are different if you work for the Queensland emergency services. In this case, you'll have insurance cover automatically included with your account when you start work, even if you don't meet the above criteria. This is because jobs with these employers are considered to carry a higher degree of risk.

Queensland emergency services are:

  • Queensland Police Service
  • Queensland Ambulance Service
  • Queensland Fire and Emergency Service.

If you're under age 25 and want insurance cover, you can permanently opt in via Member Online.

Of course, you can change or cancel your insurance cover at any time.

If your account balance has not yet reached $6,000 and you want insurance cover, you can permanently opt in via Member Online.

Of course, you can change or cancel your insurance cover at any time.

Keep in mind you will need to have enough money in your account to cover the insurance costs, otherwise your cover will be cancelled.

If money is not being paid to your QSuper account right now, but you still want insurance cover, you can permanently opt in via Member Online.

Of course, you can change or cancel your insurance cover at any time.

Keep in mind you will need to have enough money in your account to cover the insurance costs, otherwise your cover will be cancelled.

What insurance you'll get Show all Hide all

If you said yes to insurance when you signed up to QSuper via the website or a third party online tool, you'll automatically get between 1-2 units of death cover (depending on your age), and 2 units of total and permanent (TPD) cover (if you're under age 65). You won't get income protection automatically included with your account, but you can apply for income protection cover online.

If you've started working for a Queensland Government or default employer since applying to join QSuper online, you'll still receive the cover outlined in the above paragraph.

If you work for the Queensland Government on a permanent full-time or part-time basis and make standard contributions, you'll get between 1-3 units of death cover (depending on your age), and 3 units of TPD cover (if you're under age 65). You'll also automatically get income protection cover if you're aged 16-64.

If you work for the Queensland Government or a default employer on a permanent full-time or part-time basis and do not make standard contributions, you'll automatically get between 1-2 units of death cover (depending on your age), and 2 units of TPD cover (if you're under age 65). You will also automatically get income protection cover if you're aged 16-64.
If you're a casual employee with the Queensland Government or a default employer, you'll get between 1-2 units of death cover (depending on your age), and 2 units of TPD cover (if you're under age 65). You won't get income protection automatically included with your account, but you can apply for income protection cover online.
If your insurance cover starts after your employment with the Queensland Government ends, you'll get between 1-2 units of death cover (depending on your age), and 2 units of TPD cover (if you're under age 65). You won't get income protection automatically included with your account, but you can apply for income protection cover online.

If you work for the Queensland Police Service, you'll get between 1-3 units of death cover (depending on your age), and 3 units of TPD cover (if you're under age 60). You will also automatically get income protection cover if you're aged 16-59.

Family law treats superannuation as property that can be divided in the event of a marriage or de facto relationship breakdown.

If a QSuper account is opened for you to receive any super money you're entitled to following a relationship breakdown, you'll automatically get between 1-2 units of death cover (depending on your age), and 2 units of TPD cover (if you're under age 65). You won't get income protection automatically included with your account, but you can apply for income protection cover online.

In this case, you'll get between 1-2 units of death cover (depending on your age), and 2 units of TPD cover (if you're under age 65). You won't get income protection automatically included with your account, but you can apply for income protection cover online.
If you've moved from a Defined Benefit account, the insurance cover you get will depend on your employment situation at the time your new Accumulation account is opened. Refer to the Accumulation Account Insurance Guide (pdf) for details.

Key definitions Show all Hide all

Most QSuper insurance cover comes in 'units'.

With death cover and TPD cover, each unit is worth a dollar value based on your age. With income protection cover, each unit is worth $500 a month, and the cost per unit changes with your age.

A default employer is a business who pays super to QSuper when an employee hasn't chosen their own super fund.
Standard contributions are an amount of between 2% and 5% of your salary you can pay to your super if you work for certain Queensland Government employers. By making these standard contributions, your employer will also pay extra into your super account, helping you grow your retirement savings.

Permanently opting in to cover means that the types of insurance cover you currently hold (including death cover, total and permanent disability cover, and/or income protection cover) will continue even if:

  • You are under 25 years old, and/or
  • You have an Accumulation account balance under $6,000, and/or
  • We have not received money into your account in the last 13 months.

You can permanently opt in to cover in Member Online or by sending us a completed Change of Insurance form (pdf). Of course, you can change or cancel your insurance cover at any time.

There are various other circumstances when cover will end. Refer to the Accumulation Account Insurance Guide (pdf) for more information.

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Check your insurance

You can find your current level of insurance cover in Member Online.
Current cover not right for you? Change or cancel your insurance to meet your needs.

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