When does Death and Total and Permanent Disability (TPD) insurance cease?

To be eligible to receive default death and total and permanent disability (TPD) insurance cover with QSuper, and apply for additional cover, you must first meet three basic requirements:

  • have to be at least 16 years of age, but not older than 69 for death cover and 64 for TPD cover (59 for all cover if you are a police officer)
  • have a QSuper Accumulation Account
  • be an Australian resident.

To apply for additional cover, you must also have had money added to your Accumulation account in the last 13 months or have permanently opted into insurance cover.

There are various circumstances when your QSuper death cover and TPD cover would end.

These are:

  • you're no longer a QSuper member
  • you no longer hold an Accumulation account
  • you cancel your cover (the later of the date requested or date received by QSuper)
  • the date a TPD benefit is paid. If the amount of your death cover is greater than the amount of your TPD cover, your death cover will not end on the date a TPD benefit is paid, but will be reduced by the amount of the TPD benefit
  • the date a terminal illness benefit is paid. If the amount of your TPD cover is greater than the amount of your death cover, your TPD cover will not end of the date a terminal illness benefit is paid, but will be reduced by the amount of the terminal illness benefit
  • you're no longer an Australian resident
  • you turn 65 for TPD cover (60 if you're a police officer), or 70 for death cover (60 if you're a police officer)
  • when we have not received any money into your Accumulation account for a continuous period of 13 months (unless you have permanently opted in)
  • if you are a new member employed by the Queensland Government or a default employer, 120 days after cover starting if the full amount of the monthly premium is due and remains unpaid (cover is cancelled from date of inception)
  • if you are an existing member employed by the Queensland Government or a default employer, 60 days after the full amount of the monthly premium is due and remains unpaid
  • if you are a new or existing member not employed by a Queensland Government employer or a default employer, 60 days after the full amount of the premium monthly amount is due and remains unpaid
  • if you are a State or Police account member, the date your Accumulation account balance would reduce to less than the prescribed percentage
  • if the balance of your account would reduce to less than $0 after a premium payment
  • the date the insurance policy terminates
  • you die.

Please note that in addition to any pre-existing conditions, pre-existing exclusion periods and other exclusions applicable, there are other times when a benefit may not be payable. Please refer to the Accumulation Account Insurance Guide for further details.

Back to Insurance