Default insurance is cover that is provided automatically to members. Eligible Members are automatically given default death cover and total and permanent disability (TPD) cover, and many are also given income protection cover – and even if you don’t receive automatic income protection cover you can often apply for it. The default cover you have depends on your situation, but the tables below provide a quick summary.

I work for the Queensland Government as a permanent or temporary employee and make standard contributions
Default death cover

One unit of cover if you are age 16-20, and three units of cover if you are age 21-69.

If you are age 16-20, we will increase your cover to three units when you turn 21.

Default TPD cover

Three units of cover if you are age 16-64.

Default income protection

Cover will be provided if you are age 16-64 for 87.75% of your insured salary1 (includes a CRB2 of 12.75% of insured salary). This is payable for a benefit period of up to three years with a waiting period of accrued sick leave plus 14 days.

If you are a Member of the Legislative Assembly, you’re not eligible for income protection cover.

I work for the Queensland Government as a permanent or temporary employee and don't make standard contributions
Default death cover

One unit of cover if you are age 16-20, and two units of cover if you are age 21-69.

If you are age 16-20, we will increase your cover to two units when you turn 21.

Default TPD cover

Two units of cover if you are age 16-64.

Default income protection

Cover will be provided if you are age 16-64 for 87.75% of your insured salary1 (includes a CRB2 of 12.75% of insured salary). This is payable for a benefit period of up to three years with a waiting period of 90 days or accrued sick leave, whichever is greater.

I am a police officer with the Queensland Police Service
Default death cover

One unit of cover if you are age 16-20, and three units of cover if you are age 21-59.

If you are age 16-20, we will increase your cover to three units when you turn 21.

Default TPD cover

Three units of cover if you are age 16-59.

Default income protection

Cover will be provided if you are age 16-59 for 87.75% of your insured salary1 (includes a CRB2 of 12.75% of insured salary). This is payable for a benefit period of up to two years with a waiting period of accrued sick leave plus approved Queensland Police Service sick leave bank or 180 days, whichever is greater.

I work for the Queensland Government as a casual employee, or my account was opened either as a spouse of a QSuper member, or as a result of a family law split
Default death cover

We automatically give you one unit of cover if you are age 16-20, and two units of cover if you are age 21-69. If you are age 16-20, we will increase your cover to two units when you turn 21.

Default TPD cover

Two units of cover if you are age 16-64.

Default income protection

Nil

I am an existing member with a QSuper Income account and an Accumulation account is opened
Default death cover

We automatically give you one unit of cover if you are age 16-20, and two units of cover if you are age 21-69. If you are age 16-20, we will increase your cover to two units when you turn 21.

Default TPD cover

Two units of cover if you are under age 65.

Default income protection

Nil

Personalise your Insurance

If you feel your default cover isn’t right for your circumstances you can personalise your cover to suit your needs.

You can personalise your insurance on Member Online, or by completing a Change of Insurance form, which you can download from our website.

Read more about personalising your insurance.

Cancel your Insurance

If you feel our insurance isn’t right for your circumstances, you can cancel any or all of it at any time. You can cancel your insurance on Member Online, or by completing an Application to Cancel Insurance form, which you can download from our website. And if you’ve previously cancelled your cover, we won’t automatically provide you with cover again, even if your employment situation changes. You can, of course, apply for cover at a later date, if eligible.

Back to Insurance

 

1. If 87.75% of your insured salary is above our maximum default income protection limit of $20,000 a month, you will need to provide health and other information. It is also subject to the maximum cover you can have. See our Accumulation Account Insurance Guide for more information.
2. Contribution replacement benefit – a payment made to your QSuper Accumulation account while you’re receiving an income protection benefit.

Please note this information is a general summary only. Please refer to our Accumulation Account Insurance Guide for further information on terms, conditions and eligibility.