Q Super Income Protection
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Who is QSuper?
Q Super is the Queensland Government Superannuation Fund specifically set up to cover people working in the state’s public service sector and the private sector to cover the increasing number of people receiving cover through their employer who contribute to their funds on their behalf.
The spouses of Q Super fund members can also benefit as they are eligible to apply for an account of their own for employers to make super contribution to.
Why Choose Q Super Income Protection?
With QSuper income protection cover, you can benefit from having cover as part of your superannuation fund and you will be entitled to a monthly benefit up to 75% of your average income, shall you suffer from a debilitating illness or injury and you are unable to work.
Income protection insurance from Q Super will continue to provide you with a monthly benefit for up to two years. However, if your injury or illness is deemed to be permanent, your income protection cover may be extended until the termination of your employment with the government or upon reaching the age of 65. While you are receiving benefit payments for an approved claim, you are not obligated to continue standard contributions to the fund, although your fund amount will continue to grow as if you were.
All members of Q Super will automatically receive income protection cover with their super fund, whether they are permanent or temporary government employees. It is not available, however, to casual employees or members of the Queensland Police Force.
Key Benefits and Features of Q Super Income Protection Cover
As previously mentioned, state government employees will be automatically entitled to income protection cover with their Q Super membership; however, private sector workers will have to submit an application to be eligible for this cover.
No matter which sector you work in, Q Super offers high quality income protection cover with many features and benefits that you can take advantage of. These include:
Queensland Government Employees
- 24/7 protection: With Q Super income protection, you will be covered 24 hours a day, 7 days a week.
- 30 or 90 days waiting period: Waiting period is an amount of time until you receive your first monthly benefit payment and with Q Super, the waiting period is 30 or 90 days, which starts once all your paid sick leave have been used.
- Cover for part-time employees: Not only will full-time employees of the Queensland Government benefit from income protection cover from QSuper, but also part-time employees who are making compulsory contributions to their super fund.
- Cover for police service administrative staffs: While Queensland Police Service officers are not eligible for QSuper income protection, administration staffs may apply for cover through the super fund. Queensland police officers are covered for death and total and permanent disability through QSuper, with its own arrangement of cover for when they are ill or injured and are unable to work.
- Different levels of benefit; Defined Benefit or Accumulation Benefit: Depending on which QSuper account you have, your benefit amount will be calculated differently. If you have a Defined Benefit account, your benefit will be calculated equal to 75% based on your salary prior to 1st of July. With an Accumulation Benefit account, you will receive your benefit equal to 75% based on your current salary. If you work on a part-time basis, your benefit will be adjusted to the part-time salary that you receive.
- Graduated return to work program: This program allows you to return to work gradually while you are still recovering from your illness or injury. You will be paid by your employer for the hours you have worked and QSuper will pay 75% of the difference between your full-time pay prior to your disability and the reduced pay from participating in this program.
Non-Queensland Government Employees
If you are not working in the public sector, you can still access QSuper income protection that is offered through one of Australia’s leading insurance providers, TAL. To be eligible to apply for cover, you will need to be a member of QSuper and be receiving contributions from your employer into an Accumulation account.
The features and benefits of Q Super income protection for non-government workers include:
- Total and temporary disability benefit: With QSuper protection, you will be covered for total and temporary disablement if you are unable to perform at least one key duty of your usual occupation and if you are under regular care and treatment of a medical practitioner.
- 30 day waiting period: Your first monthly benefit payment will start once the 30 day period has expired and you remain to be disabled and are unable to work temporarily.
- Partial disability benefit for gradual return to work: If you were totally disabled for the first 14 days of the waiting period and return to work afterwards at reduced hours, you may be eligible for partial disability benefit.
What are the Terms and Conditions of Q Super Income Cover?
Cover for Pre-existing Medical Conditions
Under QSuper income protection, medical conditions that exist prior to the commencement of your cover will not be covered in the first seven years. Thus, no benefit will be payable if your disability is deemed to arise as a result of a pre-existing medical condition.
Conditions Under Which Your Benefits Will Cease
Your QSuper income protection benefit payments will cease if any of the following conditions exist:
- If you die.
- Your contract with the Government ceases.
- Your illness or disability no longer meets the QSuper trust deed definition of temporary disability.
- The maximum period of two years has expired.
- You have left the employment of an eligible QSuper employer.
- Your employment has changed from a permanent or temporary role to a casual basis.
- You are receiving WorkCover benefits.
- You are able to return to work, working normal working hours.
- You have been diagnosed as becoming permanently disabled.
- Your failure to attend an assessment as requested by QSuper.
- Your failure to provide appropriate medical information.
- You find you are no longer approved for sick leave without pay.
When will a benefit be paid?
If you are receiving benefits from QSuper income protection insurance, you must notify QSuper when you return to work, including when you agree in participating in graduated return to work program. The same applies if you earn any additional income or engage in any other occupation or business. In any of these events, you could have your benefits reduced or stopped completely. If it happens that you are overpaid through any of the above occurrences, you will be required to repay the amount that you are deemed to have been eligible for.
QSuper income protection is a valuable part of QSuper insurance plans and all members of the fund should make themselves aware of all the conditions pertaining to the cover, so that they can fully avail themselves of the benefits if they are ever required to be claimed against. It makes for harmonious relationships between the Queensland state government and its employees.
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