Occupational Rating means the cover and premium level given to you based on your job or occupation.

Instead of paying default premium rates, you can request to be occupationally rated. Also if you have personalised any of your cover (this includes purchasing any income protection cover, additional death cover and/or additional total and permanent disability (TPD) cover, choosing fixed cover or making any other changes to your cover), all your premiums will be payable at the relevant occupation rate.

QSuper’s occupational ratings are:





Standard rate

Professional rate

White collar rate

High risk rate

If you reduce your default cover and you would then be paying the high risk rate, we’ll keep your premiums at the default rate.

However if you fix your cover below the default and you would then be paying the high risk rate, we won’t keep your premiums at the default rate .

How might the occupational rate affect my insurance premiums?

You can check the current default and standard rate premium tables in our Accumulation Account Insurance Guide. For the occupational ratings you multiply the premium for your age from the relevant standard rate table by the figure from the table below.

Occupational Rating Death  TPD  Income Protection 


 1.00  1.00


 0.60  0.65
White collar


 0.65  0.70
High risk 1.75  3.50  1.50

If you’re not sure how changing your cover will affect your premiums or what occupational rating you fall in to, simply log into Member Online. If you head to the insurance section you can enter different combinations and see how much you would pay.

Gary Case Study

Gary is 45 with unitised TPD cover and is eligible to pay the white collar rate. Cost per TPD unit at standard rate = $3.62 per week. He then multiplies that by 0.65 cost per TPD unit at white collar rate = $2.36 per week. So by choosing to be occupationally rated, Gary saves $1.26 per TPD unit per week while he is 45.

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.

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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.