Did you know...
Death and TPD insurance is automatically provided to all working QSuper members.
John Costello
QSuper member since 1972
Protect yourself and your family against the unexpected.
What is death and total and permanent disability (TPD) insurance?
Death and TPD insurance provides a payment when you die or in the event you're unlikely to ever be able to work again in a job for which you are reasonably qualified by education, training, or experience.
Who is eligible?
Death and TPD insurance is automatically provided to all working QSuper members. To find out your level of cover, check the details on your welcome letter, your latest benefit statement, or call us.
How much does it cost?
Accumulation accounts - If you are a permanent or temporary employee making standard contributions, your standard cover is four units. If your employer provides only the superannuation guarantee level of contributions, or you are a casual employee, your standard cover is two units.
Each unit of death and TPD insurance costs $1 per week ($2.75 for police officers) until your TPD insurance ends at age 65. From 65 to 70, we offer death-only insurance, with each unit costing $0.30 per week (death-only insurance is not available to police officers).
| Age at death or disability |
Amount of cover per unit for $1 per week* |
Age at death or disability |
Amount of cover per unit for $1 per week* |
| 35 and under |
$100,000 |
53 |
$12,600 |
| 36 |
$90,600 |
54 |
$10,800 |
| 37 |
$80,500 |
55 |
$9,500 |
| 38 |
$72,400 |
56 |
$8,000 |
| 39 |
$65,600 |
57 |
$6,800 |
| 40 |
$59,700 |
58 |
$5,800 |
| 41 |
$54,400 |
59 |
$5,100 |
| 42 |
$49,500 |
60 |
$4,500 |
| 43 |
$44.900 |
61 |
$4,000 |
| 44 |
$40,500 |
62 |
$3,500 |
| 45 |
$36,400 |
63 |
$3,000 |
| 46 |
$32,600 |
64 |
$2,700 |
| 47 |
$29,000 |
65 |
$2,400^ |
| 48 |
$25,700 |
66 |
$2,100^ |
| 49 |
$22,700 |
67 |
$1,900^ |
| 50 |
$20,000 |
68 |
$1,700^ |
| 51 |
$16,200 |
69 |
$1,500^ |
| 52 |
$14,400 |
70 |
$0 |
For permanent and temporary employees, the maximum amount of insurance is $2,000,000. For employees who receive the super guarantee level of contributions and casual employees, the maximum amount of insurance is $1,000,000.
Insurance premiums are deducted from your Accumulation account balance each quarter.
Defined Benefit accounts - Your death and TPD insurance are part of your Defined Benefit account package of benefits. There is no additional cost for standard cover.
What if I leave the Queensland Government?
Accumulation accounts - If you finish your employment with the Queensland Government, your
death and TPD cover will continue for four weeks free of charge to allow you the time to find alternative insurance.
Defined Benefit accounts - If you finish your employment, your death and TPD insurance cover ends the day your employment ends.
Pre-existing conditions
In the first ten years of cover, a death or TPD benefit will not be paid if the cause of your death or total and permanent disability is related to a medical condition that existed before your cover started.
Got a question that isn't answered here?
Check out our list of insurance frequently asked questions.