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Income protection pays you an income if you're not able to work for a period of time due to illness or injury. To receive an income protection payment you must be suffering from a total and temporary disablement or partial and temporary disablement - you'll find these definitions in our Accumulation Account Insurance Guide.
Your income protection benefit will be paid for up to a certain amount of time (known as your benefit period). However there may be instances where your income protection payment may be suspended, even if you have not reached your maximum benefit period.
If you start receiving Workers' Compensation payments, or your employer starts paying you any annual, recreational, long service, sick or other personal leave, your income protection payments will be suspended.
If we do suspend your income protection payments because you receive other income, you may be able to apply to have you income protection benefit paid again once you stop receiving this other income. If you receive a commuted lump sum benefit from WorkCover, please refer to the Accumulation Account Insurance Guide for commutation information.
If you commence parental leave (or you were due to commence parental leave before your total and temporary disablement or partial and temporary disablement), we will not pay any income protection benefit during your parental leave period.
If you did not agree to a period of parental leave with your employer, we will not pay any income protection benefit from four (4) weeks prior to the date you (or your spouse) is due to give birth.
Your income protection benefit will recommence following the parental leave period, provided that you still remain eligible to receive an income protection payment.
Please refer to our Accumulation Account Insurance Guide for further information on terms, conditions and eligibility.
Learn more about QSuper's income protection cover.