How Does QSuper Income Protection Work?

Are you working with the Queensland government and looking for income protection or super fund? QSuper has started its financial service business since 1913 for those in the state. And, it has grown to one …


Are you working with the Queensland government and looking for income protection or super fund? QSuper has started its financial service business since 1913 for those in the state. And, it has grown to one of the largest super funds in Australia. This blog post explains what QSuper income protection is and how it works. Let’s start with the basic.

What is income protection in general

In our life, unexpected things – both good and bad – can happen. One of the worst things that you don’t want to even think about is loosing your income source. But, what you should know is that income protection covers you only when you are not capable of working due to disablement. You should not think that they will protect you when you are let go by your employer.

Also, income protection won’t pay you the full 100% amount of your current salary. The amount depends on your insurer and circumstances, but no insurer covers you 100 percent. This is how income protection works no matter what insurer you choose. Then, let’s look at QSuper income protection.

Who is eligible?

QSuper is not for everyone. As you can notice from the name, it is for the people working in the Queensland government or organisations like Police Service. Depending on your employment status, your insurance coverage becomes different. According to QSuper policy document, if you are a member of the government, you are likely to benefit from income protection automatically. If you find out that you are not being covered, you can often apply for it.

How much can you be covered by QSuper?

So, if you are eligible for income protection, the default cover gives you 87.75% of your insured salary. And the default cover cannot exceed $20,000 per month unless you provide necessary information to QSuper. That means if our 87.75% of your salary is over $20,000, you need to contact them and provide required documents in order to receive over $20,000.

If $20,000 per month is not nearly enough, you can apply for a more cover of $50,000 per month. Even with the upper level, the coverage will still be at 87.75%.

Well, in the case when you are not eligible for default cover, you can apply for coverage in units. Each unit is equivalent of $500 cover per month. Since you can only apply for unit-based protection, you cannot receive salary-based protection. Having a unitised (unit-based) cover does not mean that you can receive 100 percent of what you have paid. You will be able to receive less that you have paid (the insured value) or 87.75% of your income before disability.

How to apply for a higher cover?

Do you need to be covered more than $20,000 per month? You can apply for a higher level, but you may have to provide health and other required information to QSuper. The limit of the basic coverage, if you don’t apply for the higher one, will be $20,000. Or, $10,000 a month if you have opted for having benefits paid until you are 65. This applies to a full-time employee at the Queensland Government or a default employer (explained in the Terms section).

If you are a casual worker for the government, conditions could be applied differently. You can apply for up to two units of cover without having to provide health and other information. For the document-free obligation, you should apply within 120 days from starting your job in the government.

If you want more than two units as a casual employee, you can apply for it. However, you will have a pre-existing exclusion period (explained in the Terms section) on this additional coverage. If you increase or apply for more cover after more than 120 days from starting your job, you will need to send health and other information. Unit-cased coverage can be risen up to 10 units.

Waiting periods

This refers to the period of time between the date of disablement and when you are eligible for your first benefit payment. If you have a default cover, you can be paid for three years with a waiting period of accrued sick leave plus 14 days. All eligible members, however, can choose a waiting period among:

  • Greater of accrued sick leave or 30 days.
  • Greater of accrued sick leave or 60 days.
  • Greater of accrued sick leave or 90 days.

A change to your waiting period will change your premiums. One thing you have to remember is that if you are making the waiting period shorter, the change will not take into effect until the number of days of your previous waiting period have passed from the date that QSuper accept the change.


Definitions here come from the QSuper policy document that I linked above.

Default employer: “Means an employer registered with the QSuper Board as agreed by QInsure as a default employer who is not a Queensland Government employer.”

Pre-existing exclusion: “A period in which an insurance benefit will not be payable if the illness or injury of which the claim is subject to is related to a pre-existing condition. A pre-existing exclusion period starts on the date you became covered for the relevant type of cover”


QSuper has been around us for 100 years. This long history itself proves that the firm has gained trust and love from its customers. If you are a Queensland’s government employee, you will definitely want to check what they offer to protect your income and your family.