When will my Income Protection benefit end?

To be eligible to receive default income protection insurance cover to begin with, and apply for additional cover, you must first meet three basic requirements:

Income protection pays you a regular income (up to your maximum benefit period) if an illness or injury means you can't work due to a total and temporary disablement or partial and temporary disablement (as defined in our Accumulation Account Insurance Guide).

So when might your cover cease?

It’s important to note that there are various circumstances when your QSuper income protection cover will end. Obviously you can apply to cancel your cover. There are other circumstances, though, and these include:

  • you're no longer a QSuper member 
  • you no longer hold an Accumulation account
  • you have been determined to have a total and permanent disablement, or a terminal illness
  • you turn 65 (60 if you're a police officer)
  • you're no longer an Australian resident
  • after the monthly premium due remains outstanding
  • the date your cover started if no payment is made within 120 days of the cover start date (cover will be cancelled from inception)
  • 12 months after the last contribution was made to your account, unless you permanently opt in to cover
  • the date the insurance policy terminates
  • you die.

It's important to distinguish between income protection cover and your income protection benefit (which is the payment of the income stream).

When will your income protection benefit payments stop?

Your income protection benefit payments will stop on the date one of the following happens:

  • you no longer meet the definition of total and temporary disablement or partial and temporary disablement
  • you turn 65 (or 60 if you're a police officer)
  • you come to the end of your benefit payment period
  • you're determined by the Board to be suffering total and permanent disablement, or a terminal illness, unless you have a five year benefit period or to age 65 benefit period
  • if it is determined your condition is a pre-existing condition, and you have a pre-existing exclusion period attached to your cover
  • you become engaged in a new business or occupation (unless it is part of an agreed graduated return to work program)
  • you stop following the advice of an appropriate medical practitioner
  • you choose not to participate, or to continue to participate, in an approved rehabilitation or retraining program
  • you're no longer an Australian resident or no longer eligible to work in Australia
  • if you are an Australian resident but are residing outside Australia while receiving a benefit, your benefit will cease after 6 months of living outside Australia, unless you return to Australia or as otherwise agreed in writing
  • you receive an increase in earnings from an existing business or occupation (unless it is part of an approved graduated return to work program)
  • you claim or receive any annual, recreational, long service or other personal leave from an employer
  • you go on parental leave, or it is within four weeks of your confinement date, or if parental leave had not been agreed with your employer then four weeks before the baby's due date
  • you die.

You should also be aware that if QSuper pays you an income protection benefit that you are not entitled to receive, or if we pay you more than we should have, we will recover any overpayments or incorrect payments we made to you.

Insurance is a complex topic. Learn more about QSuper’s income protection cover.

Please refer to our Accumulation Account Insurance Guide for further information on terms, conditions and eligibility.