If you stop working for the Queensland emergency services, you will keep any insurance you have even if you are under age 25 and/or your Accumulation account balance is less than $6,000.
Your cover will still be cancelled if there is not enough money in your account to cover insurance costs, or if no money has been received into your account in the last 13 months. See the Accumulation Account Insurance Guide (pdf) for other circumstances when cover will end. You can choose to keep your cover by permanently opting in via Member Online or by sending us a completed Change of Insurance form (pdf).
If you stop working for the Queensland emergency services and your cover has been cancelled, or you don’t hold a particular type of insurance cover (i.e. income protection cover, total and permanent disability cover, or death cover), the dangerous occupation exception will no longer apply to the types of insurance cover you don’t hold.
This means if you want to automatically receive any new type of cover, you will need to:
- Be over age 25
- Have an Accumulation account balance of $6,000 or more
- Have received money into your account in the last 13 months.
Alternatively, you can permanently opt in to cover when you apply for cover.
Of course, you can change or cancel your insurance cover at any time.