Income Protection: What is a benefit period?

This is the maximum period of time QSuper can pay you an income protection payment.

Default benefit periods are:

I work for the Queensland Government on a permanent full time or part-time basis and make standard contributions. Your default benefit period is two years
I work for a default employer or the Queensland Government on a permanent full time or part-time basis and don’t make standard contributions. Your default benefit period is two years
I am a police officer with the Queensland Police Service Your default benefit period is two years

Personalised benefit periods

All members except police officers can personalise their benefit period. You have the option to choose a two year, five year, or to age 65 benefit period (this means you may receive payments for two years, five years or to age 65). Any change to your benefit period will have an impact on your premiums.

Within 120 days of joining the Queensland Government or a default employer you can apply for a five year benefit period up to the automatic acceptance limit without the need to provide health and other information. Otherwise when applying for a two year, five year or up to age 65 benefit period, or if you don’t work for the Queensland Government or a default employer, we will ask for health and other information. If your application is accepted, this cover will start from the date of acceptance.

In all cases:

  • five year pre-existing exclusion period will apply unless we advise you otherwise
  • removal of the five year pre-existing exclusion period will depend on the health and other information you provide
  • if you are not at work on the day cover starts, an indefinite pre-existing exclusion period will apply until you have been at work for 30 consecutive days.

You may not be entitled to receive a benefit under your new benefit period as a result of the pre-existing exclusion period. In this case any benefit entitlement under the previous benefit period will continue to apply

Eligibility criteria and exclusions may apply. Please refer to our Accumulation Account Insurance Guide for further information.

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