If you have accepted a redundancy and are no longer working for the Queensland Government or a default employer, the insurance you have with QSuper may be affected.

To ensure you have the right cover for your circumstances, you should check your cover in Member Online.

If you have death and/or TPD insurance, your current level of cover will continue automatically when you stop working for the Queensland Government or a default employer, if you meet the eligibility criteria. You can find more information in the Accumulation Account Insurance Guide (pdf).

To check your insurance arrangements, log into Member Online or call us on 1300 360 750.

What about income protection? 

When you stop working for a Queensland Government or default employer, any income protection insurance you have with QSuper will generally continue as unitised cover. However, if after 13 months we do not receive money into your account, the income protection insurance will stop. If you start working somewhere else and have your new employer keep contributing to your QSuper account, you can apply for income protection insurance by filling out and sending us a Change of Insurance form.

You can find more information about insurance in the Accumulation Account Insurance Guide (pdf).

I've secured employment with another Queensland Government employer, what happens to my insurance? 

If you’re eligible to be re-employed by the Queensland Government and you’re appointed within one month of leaving, you may be eligible to continue your Defined Benefit account membership, provided you haven’t withdrawn any of your benefit from this account. Your income protection, TPD and death cover will continue.

If you’re eligible to keep contributing to your Defined Benefit account, you’ll need to let your new pay office know that your contributions should be paid to your existing Defined Benefit account. You can find out more in the Defined Benefit Account Guide (pdf).

What if I don't secure employment with another Queensland Government employer? 

If you leave employment with the Queensland Government, your Defined Benefit account will be closed and your benefit will be moved to an Accumulation account.

If you are aged between 25 and 64 you’ll receive unitised income protection at an equivalent level to the income protection cover you had in the Defined Benefit account. (If you are under 25, you may receive cover if you work for certain employers.)

If you don’t have additional insurance cover, you’ll automatically receive the level of death and TPD insurance cover that relates to your new employment situation. If you hold additional insurance cover in a separate QSuper Accumulation account, this cover will continue when you leave Queensland Government employment. All insurance is subject to eligibility criteria and exclusions.

You can find more information about Accumulation account insurance in the Accumulation Account Insurance Guide (pdf).

To check your insurance arrangements, log into Member Online or call us on 1300 360 750.