A death benefit is payable in the event you die while you are a QSuper member.

Who is eligible to claim a death benefit?

Upon your death, QSuper can pay your death benefit to your legal personal representative (for example, the executor of your estate) or to another person the QSuper Board determines to be appropriate. This may include your legal or de facto spouse, your children, or someone in an interdependent relationship with you.

In the first 10 years of cover, the insured benefit will not be paid if the cause of your death or disability is related to a medical condition that existed before this cover started.

We strongly encourage you to make a will, which indicates your wishes in relation to the distribution of your death benefit.

In the event of claims from a number of potential beneficiaries, QSuper may request further information from all parties to confirm their eligibility and request evidence from the claimants to support their claim. In this case, we will carry out a claim-staking process, and give parties notice of a proposed decision and the opportunity to object.

What is the amount of a death benefit?

Accumulation account holders
Balance of your account, plus the value of any insurance units held.

Defined benefit account holders
Death benefit is calculated in the same way as your total and permanent disability (TPD) benefit. The amount paid would be the current balance of your account, plus if under age 55, a benefit to compensate for your future membership to age 55.

More information

More information on death benefits can be found in our Death benefit guide (pdf).