Set yourself up for retirement. Our award-winning Lifetime Pension offers an income for life, with money-back protection and a spouse protection option. There are also potential Age Pension benefits. Here's how to get started.

Things you should know

Before you start, there are a few things you should consider:

  • It's a good idea to get financial advice before opening a Lifetime Pension
  • Combine all the super you want to use to open your Lifetime Pension into one super fund before you apply - you'll need a minimum of $10,000
  • Check the limit (the transfer balance cap) on how much super you can transfer into tax-free retirement products like a Lifetime Pension
  • Once you open a Lifetime Pension, you have a 6-month cooling-off period to decide if it's right for you
  • There's no limit to how many Lifetime Pensions you can have, so you can start extra ones later on.

Make sure you read our product disclosure statement (pdf) before you open a Lifetime Pension.

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Want flexibility as well as security?

Think about combining a Lifetime Pension with another income stream like an account-based pension.

See how it works

How to start a Lifetime Pension

Step 1

Check if you're eligible

You can open a Lifetime Pension at any time between your 60th and 80th birthdays. You have to meet at least one of the following conditions:

  • Permanently retired
  • Changed jobs on or after age 60
  • Aged 65 or older
  • Received an eligible death benefit
  • Met another approved condition of release (e.g. totally and permanently disabled).

Step 2

Fill in and send us the necessary form

If you already have a QSuper account, log in to Member Online now to fill in the electronic form and open your Lifetime Pension income stream. You can skip step 3.

If you don't have a QSuper account, you need to complete and send us the Open a Lifetime Pension form, which you'll find at the back of the Super Savings Product Disclosure Statement for Income Account and Lifetime Pension (PDF). You can email your form to qsuper@qsuper.qld.gov.au or post it to us at QSuper, GPO Box 200, Brisbane QLD 4001.

Step 3

We'll contact you

Make sure you put your preferred contact number at the bottom of the form so we can call you to finish setting up your Lifetime Pension. We do this by opening up a QSuper Accumulation account which allows you to send us the money to start your Lifetime Pension. (We'll close this account when your Lifetime Pension starts.)

If you don't want to be contacted, fill out and submit a separate Open an Accumulation Account for Lifetime Pension applications form (PDF).

Need help?

If you have any questions, our friendly team are ready to help. Just fill out the details below and we'll give you a call back within 2 business days.

You can also check our frequently asked questions or contact us.

*We need this information to contact you. We handle your personal information in line with our privacy policy. You can also read our Financial Services Guide (FSG) (PDF) for more details.

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Trust an award winner

Our Lifetime Pension has won a range of awards1 including Chant West's Longevity Award for 2023 and even global recognition. It’s also the first super product of its kind in Australia, giving you more confidence to spend in retirement.

Together, it's more super

As a QSuper account holder, you're part of Australian Retirement Trust, one of Australia's largest super funds.

Enjoy the confidence of being with a super fund looking after more than $300+ billion in retirement savings for close to 2.4 million members.

Find out more

1. Ratings are only 1 factor to be taken into account when deciding to invest. Past performance is not a reliable indication of future performance.