If you have less than $6,000 in your Accumulation account and/or you’re under 25 years old, we can’t automatically give you insurance cover. But you can choose to have insurance, and stay insured.

You can use the form below to permanently opt in to insurance if:

  • You haven't yet met the 2 requirements above
  • You don't yet have a QSuper Accumulation account set up.

If your QSuper account has already been set up, you can opt in to insurance simply by using Member Online.

For this form to be valid, we must get it within 120 days from the date you started your new job.

Eligibility for cover

To be eligible to hold QSuper insurance, you must meet these basic requirements:

  • Be an Australian resident
  • Be a Queensland Government or default employee
  • Be age 16-64 for total and permanent disability (TPD) and income protection cover
  • Be age 16-69 for death cover.

If you're not an Australian resident and we give you cover, or you stop being an Australian resident, please contact us immediately. This is so you can cancel your cover and stop paying premiums.

You can find more information in our QSuper Insurance Guide (pdf).

Default cover arrangements

You'll automatically get default insurance cover when:

  • You're aged 25 years or older
  • Your Accumulation account balance has been $6,000 or more
  • Money has gone into your Accumulation account within the last 13 months.

Below we outline the default cover that you'll either get automatically or you can apply for.

Employment arrangements on joining Death and TPD cover Income protection cover
  Age   Units  
You work on a permanent full-time or part-time basis for the Queensland Government or a default employer 16-201 Death
TPD		 1
2		 Age 16-64: 87.75%2 of your insured salary.3
Waiting period: 90 days or accrued sick leave, whichever is greater.
Benefit period: 2 years

Members of the Legislative Assembly, judicial registrars, and magistrates aren't eligible for income protection.
21-64 Death
TPD		 2
2
65-69 Death
TPD		 2
Nil
You work on a casual basis for the Queensland Government or a default employer 16-201 Death
TPD		 1
2		 Nil. However, if you're eligible, you can apply for units of income protection cover.4
21-64 Death
TPD		 2
2
65-69 Death
TPD		 2
Nil

Death and TPD units: With unitised cover, how much you're insured for is based on multiple 'units' of cover. Each unit is worth a dollar value based on your age. Check our Insurance Guide (pdf) for your level of cover and the cost of premiums.


Personal details

Employment arrangements on joining

Select your employment arrangement:

Permanently opt in to cover

By completing this form, I want to opt in to get the default death, TPD, and income protection cover I'm eligible for when I become a member, before I meet the eligibility criteria, even if:

  • No money has been put into my Accumulation account for 13 months or more, and
  • I'm under 25 years of age, and
  • My Accumulation account balance is less than $6,000.

By permanently opting in to cover, we will not cancel your insurance unless you:

  • Don't have enough funds available in your Accumulation account to cover the cost of your insurance premiums
  • Stop being a member with an Accumulation account
  • Become otherwise ineligible to hold cover5
  • Ask us to cancel your cover.6

I understand that I will need to permanently opt in again for any new types of cover I apply for, or any new types of cover that I may be given automatically because of my employment status.

Your declaration and authorisation

I declare that:

  • The information I have given on this form is true and correct.
  • I am the person named on this form.
  • I understand that the insurance I have requested on this form will take effect from the later of the date I started working for my employer or the date I submitted my form. I will be able to see my insurance on Member Online once my employer sends a new member request and an Accumulation account is created.
  • I have read the QSuper Product Disclosure Statement for Accumulation Account (pdf) and the QSuper Insurance Guide (pdf).
  • I have read the privacy policy and understand how the Trustee will collect, use, and disclose my personal information.
  • I have read the Financial Services Guide.
  • I understand that any information provided is of a factual nature only and does not take into account my personal investment objectives, financial situation, or needs.
  • I understand that if I decide that I want to cancel this request after submitting it, then I can contact QSuper Member Services.
  • I understand that getting any insurance cover depends on me becoming a member and money being added to my Accumulation account. I understand that my account will be set up once my employer gives my employment and personal details to the super fund.


1. If you hold default death cover and haven't personalised your cover in any way by applying an occupational rating we'll increase your default death cover to 2 units when you turn 21.
2. Includes a 12.75% contribution replacement benefit, which is paid to your QSuper Accumulation account while you're getting an income protection benefit.
3. In summary, insured salary means the salary notified to us by your Queensland Government employer or default employer for your permanent full-time or part-time employment. See the Insurance Guide (pdf) for the full definition of insured salary.
4. Subject to a maximum monthly benefit of $5,000 per month.
5. For more information check the QSuper Insurance Guide (pdf).
6. You can cancel your insurance at any time using Member Online or by completing our Application to Cancel Insurance form (pdf).