Income Protection: What is a waiting period?

A waiting period is the period of time between – your date of disablement, and when you are first eligible to receive a benefit payment.

Default waiting periods are:

I work for the Queensland Government as a permanent or temporary employee and make standard contributions. Your waiting period is your accrued sick leave plus 14 days.
I work for the Queensland Government as a permanent or temporary employee and don't make standard contributions. Your waiting period is the greater of 90 days or your accrued sick leave.
I am a police officer with the Queensland Police Service Your waiting period is the greater of your accrued sick leave plus approved Queensland Police Service sick leave bank or 180 days.

Personalised waiting periods

Eligible members* also have the option to apply for Income Protection and to choose their waiting period to be:

  • the greater of accrued sick leave or 30 days, or
  • the greater of accrued sick leave or 60 days, or
  • the greater of accrued sick leave or 90 days.

Any change to your waiting period may have an impact on your premiums.

However you do need to understand that if you are shortening your waiting period, it won’t take effect until the number of days of your previous waiting period has passed from the date we accept the change.

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

There are other ways to personalise your income protection cover.

Case Study

Lola

Let’s look at Katherine’s situation to see how this works. She currently has a 90 day waiting period, and wants to change this to a 30 day waiting period.

QSuper receives Katherine’s application on 1 March. This is day 1. However the change won’t come into effect until day 90, which is 29 May.

So if Katherine has an accident on 28 May, she will still have a 90 day waiting period until she can receive a benefit. If she has an accident on 29 May, or any day after that, she will have a 30 day waiting period until she can receive a benefit.

Please note that the case studies are provided for illustrative purposes only and the members shown aren’t real. It is assumed for the purpose of the case studies that all terms and conditions have been met. Additionally, figures may be rounded up for ease of understanding.

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

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