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Understanding occupational ratings

You could change your insurance costs based on your job

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. So depending on your job, you may pay less or more if you apply an occupational rating.

Why should I apply an occupational rating?

If you're currently working in a role that's considered to be a lower risk than other jobs, applying an occupational rating could mean you pay less for your insurance.

If you opened your QSuper Accumulation account online or personalise any of your cover, you'll need to answer questions to apply an occupational rating. 


Our occupational ratings

If you open a QSuper Accumulation account through your employer and don't make any changes to your cover, you'll pay for insurance at the default rate (or default police rate).
If you join QSuper online, change your cover, or apply an occupational rating, you'll fall into one of the groups below.

Standard rate

This could apply to you if:

  • You're a qualified tradesperson currently working in your area of expertise
  • You're a skilled worker with light manual duties
  • You're 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're a degree-qualified business executive, earning more than of $120,000 a year (before tax and employer-paid super), and meet the requirements for the white collar rate
  • You need to be a member of a professional or government body to practise in your occupation.

White collar rate

This could apply to you if:

  • You're 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're a professional sportsperson
  • You work in a manual occupation that doesn't need trade qualifications.

Occupational rates

You can check the default and standard rate tables for premiums you'll pay in the back of the QSuper Insurance Guide (pdf). To calculate how much you'll pay for insurance after you apply an occupational rating, 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 0.75 1.30
Total and permanent disability (TPD) 1.00 0.55 0.65 2.90
Death 1.00 0.65 0.70 1.40

Find out your rating

Use our Insurance Premium Estimator to find out your occupational rating.

Calculate now

Case study craig

Craig is 45 years old and currently paying a default rate of $5.29 per unit per week of unitised TPD cover.

When Craig decides to apply an occupational rating 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 $3.94 per TPD unit per week. That's a saving of $1.35 per TPD unit per week while he is 45.


Calculating Craig's insurance premium
  • $6.06
    Standard rate
    per unit per week
  • x
  • 0.65
    White collar rating
  • =
  • $3.94
    Craig's rate
    per unit per week

How do I apply an occupational rating?

You can apply an occupational rating 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.


Apply an occupational rating

You could change how much you pay for your insurance by answering some questions about your job in Member Online.

Check my rating
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The information on this website contains general information only. It doesn’t consider your personal objectives, financial situation, or needs. Before making any decisions about QSuper, you should read the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD) to consider whether the product is right for you.