When it comes to your QSuper insurance cover, being ‘at work’ has a particular definition.

It’s important to understand this, because some of our insurance cover comes with what’s known as a pre-existing exclusion period, which is the period during which we won’t pay an insurance benefit if the illness or injury you are claiming for relates to a pre-existing condition.

In most circumstances, default death cover, TPD cover and income protection cover has no pre-existing exclusion period as long as you are at work on the day your default cover starts. If you’re not at work on the day your default cover starts, an indefinite pre-existing exclusion period will apply until you have been at work for 30 consecutive days.

Being at work, though, doesn’t mean you have to be physically there over that period of time.

So what does ‘at work’ mean?

For QSuper insurance purposes, you’re at work if you’re:

  • actively performing or capable of performing all of your normal duties, without limitation or restriction due to injury or illness, and where working are working normal hours on the day cover is to commence
  • in the insurer’s opinion, not restricted by illness or injury from being capable of actively performing your full and normal duties on a full-time basis (for at least 30 hours per week) even though actual employment may be on a full-time, part-time, casual or contract basis, and
  • not receiving, or entitled to claim, any income support benefits from any source including workers’ compensation benefits, statutory transport accident benefits and disability income benefits (including government disability support benefits but excluding benefits under the National Disability Insurance Scheme).

 

You’ll be considered to be at work, if you’re on approved leave for reasons other than injury or illness and, not taking into account the leave, are able to meet the at work definition.

If you’re unemployed you’ll meet this at work requirement if you’re capable of performing all the duties and work hours of your usual occupation free of limitation or restriction due to injury or sickness on the day cover is to start.

If you’re not gainfully employed and are actively engaged in full-time home duties you’ll meet this at work requirement if you’re able to actively perform your normal full-time home duties without limitation or restriction due to injury or illness on the day cover is to start.

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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.