What is an occupational rating?
An occupational rating is where you can apply to change how much you pay for insurance to reflect your job or occupation.
Why should I be occupationally rated?
You don't need to be occupationally rated unless you are making other changes to your cover, but if you're currently working in a role that's considered to be a lower risk, being occupationally rated could mean you pay less for your insurance.
Our occupational ratings
If you join QSuper through your employer and don't make any changes to your cover, you will pay for insurance at our
default rate.
If you join QSuper online, change your cover, or apply to be occupationally rated, you will fall into one of the groups below.
Standard rate
This could apply to you if:
-
You are a qualified tradesperson currently working in your area of expertise
- You are a skilled worker with light manual duties
-
You are a registered or enrolled nurse, or qualified assistant in nursing
- You work in the retail sector or food and beverage service.
Professional rate
This could apply to you if:
-
You are a degree-qualified business executive, who is earning a net minimum of $120,000 p.a. in addition to the requirements outlined for the white collar classification
-
You require membership of a professional or government body to practise in your occupation.
White collar rate
This could apply to you if:
-
You are a white collar professional who spends at least 80% of your work time doing administrative or office-based work
- You teach at a school, where 80% of the your work is classroom based activities
- You work in clerical, call centre, administrative or other office-based activities.
High risk rate
This could apply to you if:
- You work in a job that may be subject to accident or environmental hazards
- You work in the emergency or protective services, including security guards and corrective officers
- You are a professional sportsperson
- You work in a manual occupation that does not require trade qualifications.
Occupational rates
You can check the default and standard rate premium tables in the back of the Accumulation Account Insurance Guide (pdf). To calculate how much you'll pay for insurance after you occupationally rate yourself, multiply the standard premium for your age by the figure from the rate table below.
| |
Standard |
Professional |
White collar |
High risk |
| Income protection |
1.00 |
0.65 |
0.70 |
1.50 |
| Total and permanent disability (TPD) |
1.00 |
0.60 |
0.65 |
3.50 |
| Death |
1.00 |
0.60 |
0.65 |
1.75 |
Find out your rating
Use our Insurance Premium Estimator to find out your occupational rating.
Calculate now
Case study 
Craig is 45 years old and currently paying a default rate of $3.42 per unit per week of unitised TPD cover.
When Craig decides to occupationally rate himself through Member Online, he realises that he actually falls under the white collar occupational rating.
By multiplying the standard TPD cost for his age with the white collar rate for TPD, Craig realises by occupationally rating himself, he will only pay $2.55 per TPD unit per week. That's a saving of $0.87 per TPD unit per week while he is 45.
Calculating Craig's insurance premium
- $3.92
Standard rate
per unit per week
- x
- 0.65
White collar rating
- =
- $2.55
Craig's rate
per unit per week
How do I apply to be occupationally rated?
You can apply to be occupationally rated by answering some questions about your job in Member Online.
You'll be shown your occupational rating and how it will impact your insurance costs before you confirm whether or not you'd like to apply any changes.
Occupationally rate yourself
You could change how much you pay for your insurance by answering some questions about your job in Member Online.
Check my rating