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

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If you already have a QSuper account, log in to Member Online now to open your Lifetime Pension income stream. You can apply to join QSuper online if your spouse has a QSuper account. You'll need to do this before you open your Lifetime Pension.

Step 1

Check if you're eligible

You can open a Lifetime Pension through Australian Retirement Trust 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).

Download the PDS (pdf) to find out more about opening a Lifetime Pension.

Step 2

Fill in the forms

There are 2 forms that you need to fill out.

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Open an Accumulation Account for Lifetime Pension applicants (PDF)

You'll find this in the back of the Accumulation account PDS.

This allows you to send us the money to start your Lifetime Pension. We'll close the account when your Lifetime Pension starts.

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Open a Lifetime Pension – For non‑QSuper members only (PDF)

You'll find this in the back of the Income account and Lifetime Pension PDS.

Step 3

Send your completed forms to us

Make sure you email or post us both of the above forms together:

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Post: QSuper, GPO Box 200, Brisbane QLD 4000

We'll review your application and let you know when your Lifetime Pension will start.

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

QSuper is part of Australian Retirement Trust, one of Australia's largest super funds.

Anyone can retire with Australian Retirement Trust. Enjoy the confidence of being with a super fund looking after more than $240 billion in retirement savings for 2.2 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.