Income Protection: What is a benefit period?

In general, a benefit period is the maximum period of time QSuper can pay you an income protection benefit for each illness, injury or related conditions.

Default benefit periods are:

I work for the Queensland Government as a permanent or temporary employee and make standard contributions. Your default benefit period is up to three years
I work for the Queensland Government as a permanent or temporary employee and don’t make standard contributions. Your default benefit period is up to three years
I am a police officer with the Queensland Police Service Your default benefit period is up to two years

Personalised benefit periods

Most members also have the option to apply to personalise their benefit period*. You have the option to choose a five year benefit period, or to age 65 benefit period (this means you may receive payments for up to five years or up to age 65). Any change to your benefit period will have an impact on your premiums.

If you apply to vary your benefit payment period or apply for income protection cover within 120 days of joining the Queensland Government you may 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 five year or a to age 65 benefit period, or if you don’t work for the Queensland Government, we will ask for health and other information. If your application is accepted, this cover will start from the date of acceptance.

*Members employed as Police officers by the Queensland Police Service do not have the ability to change their benefit period.

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.

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

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