If you’ve suffered a permanent disability that renders you unable to work again, you can access a permanent disability benefit.

If you have a disability and the QSuper Board of Trustees is satisfied that you’re unlikely to ever work again in any job for which you’re reasonably qualified (by education, training or experience), we’ll pay you a total and permanent disability benefit. The Board will consider relevant medical opinions in making their decision.

If your injury is the result of a pre-existing medical condition, there may be restrictions. You can find more information in the Accumulation Account Product Disclosure Statement, or the Defined Benefit Guide. You can also read the Permanent Disability Benefit Guide for more information.

To find out your level of TPD cover, check the details on your latest benefit statement or get in touch with us.

Accumulation account holders

If your TPD claim is approved before you turned 65, the amount paid out will be your account balance plus the amount of any insurance paid. You can either withdraw your cash in one go, or make regular withdrawals of at least $2,000 each time.

If you’re over 65 when your TPD claim is approved, your benefit will be the balance of your account.

Defined Benefit account holders

If you’re under 55 you’ll be paid the balance of your account plus your projected Defined Benefit entitlement to age 55. You can choose to have this paid to you as a lump sum or as an indexed lifetime pension, guaranteed to be paid for five years. If you were to pass away during that five-year period, the balance would be paid as a death benefit.

If you’re between 55 and 70, you’ll be paid the balance of your account. You can choose to either be paid in a lump sum or by making withdrawals of a minimum of $2,000 each time.

If you're under age 65 you’ll also be paid any additional insurance units that you’ve taken out.

If you opt for the lump sum payment but pass away within 12 months of being paid, your dependent children may still receive the fortnightly pension if the cause of your death is related to the condition which prompted your TPD benefit.