Answer:
Death and total and permanent disability (TPD) insurance and income protection insurance are part of the package of benefits QSuper offers current Queensland Government employees.

Check the details on your welcome letter (or latest benefit statement) to find your level of cover or call us.

Answer:
Income protection insurance is pre-set at 75% of salary and cannot be increased. Find out more about income protection insurance.

Answer:

If you want more insurance, simply complete the Application for death and total and permanent disability insurance form. This form is included in the Insurance guide - Accumulation account (pdf).

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.

Please note: In the first ten years of additional 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.

Answer:
If you want more insurance cover, simply complete the Application for death and total and permanent disability insurance form. The form is included in the Insurance guide - Defined Benefit account (pdf). With a Defined Benefit account you will need to make voluntary contributions to cover the cost of your insurance premiums. These voluntary contributions would be invested in an Accumulation account. To start making voluntary contributions please complete the Request to vary contributions form in the Insurance guide - Defined Benefit account (pdf). The maximum level of additional cover you can apply for is $2,000,000. Note in the first ten years of additional 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.

Answer:
To claim a benefit, you need to use all your sick leave with pay, after which there is a 14-day waiting period. You cannot take paid leave (e.g. recreation leave or long service leave) during the waiting period, but you may be eligible for Commonwealth Government benefits during that time. Payment of your benefit is conditional upon your employer granting you sick leave without pay after receiving medical certificates, and you continuing to meet QSuper’s ongoing requirements.

You cannot claim income protection because you need to care for a family member. Income protection can only be paid if you are temporarily ill or injured and unable to work.

Please note: In the first ten years of cover, an income protection benefit will not be paid if the cause of your illness or injury is related to a medical condition that existed before this cover started.

Answer:
For your TPD claim to be approved, the QSuper Board of Trustees needs to be satisfied you are unlikely to ever be able to work again in a job for which you are reasonably qualified by education, training, or experience.

On death, your insured benefit would usually be paid to your estate as a lump sum on top of the balance of your account.

Please note: In the first ten 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.

Answer:
If you are a member with an Accumulation account, our insurance is not compulsory, although it is provided automatically.

You can cancel your insurance by completing a Cancel or reduce insurance form (pdf).

Please note: Once you have cancelled your insurance, you cannot reverse this decision. However, the standard insurance will automatically restart if you change Queensland Government employers with a break of 28 calendar days or more, or if your employment status changes.

If you are a member with a Defined Benefit account, your insurance is part of your package of benefits and cannot be cancelled.