FAQs for members with more than one account

If you had both a QSuper and Sunsuper account when we merged, you’ll continue to have separate accounts.

Your accounts will not be automatically combined. This aims to ensure you do not lose any benefits (for example, insurance) you have with either fund.

Please note: when we merged, Sunsuper Super-savings accounts became Australian Retirement Trust Super Savings accounts.

If you have both a QSuper and Sunsuper account, you may be paying fees and insurance premiums on both accounts.

We have created a web page that outlines the most important things you need think about if you have more than one account, as well as instructions on how to combine your accounts if you want to.

If you choose not to consolidate your accounts and have insurance cover on more than one account, in the event of a claim, you or your beneficiaries may be eligible to receive a death and/or TPD benefit on more than one account. However, if you have income protection cover with more than one account, you may not be able to receive a benefit from both at the same time, or the amount you can receive could be reduced. Refer to the QSuper Accumulation Account Insurance Guide at qsuper.qld.gov.au/guides and Super Savings Insurance Guide at australianretirementtrust.com.au/pds for more information.

No. Death benefit nominations and third-party authorities will continue to only apply to the account they applied to prior to the merger and won’t be carried across to other accounts. You can update your death benefit nomination or third-party authority on your QSuper account by completing the relevant form on our website.

There will be no change to your eligibility for the Retirement Bonus as a result of the merger. You can estimate your Retirement Bonus in Member Online.

While your eligibility for the Retirement Bonus won’t change as a result of the merger, it is important to note that if, after the merger, you move your super to an Australian Retirement Trust Super Savings Account, any estimated Retirement Bonus you may have been eligible for won’t be transferred.

If you no longer have an open QSuper account, you will need to meet certain eligibility conditions if you want to open a QSuper account in the future. Refer to the QSuper Product Disclosure Statement for Accumulation Account available at qsuper.qld.gov.au/pds for further information.