Qsuper Income Protection Claim Forms
Sara Legath
If your claim is approved, we will contact you to arrange a suitable payment option. If your claim is not approved, we will provide you with a detailed statement explaining the reasons for our decision.
While you can't submit your insurance claim through Member Online, you can email your completed forms to insuran...@qsuper.qld.gov.au. Note that we may not accept electronic signatures on claim forms.
If your claim is not approved, we will provide you with a statement explaining the reasons for our decision. We understand that not everyone will be happy with the decisions made about their claims so if you wish to lodge an appeal for review, please contact us.
Income protection insurance can help maintain the lifestyle you've built for yourself and your loved ones, by paying a weekly benefit if you're temporarily unable to work due to an illness or injury.
Depending on your age, employment arrangements, and account balance, you may have income protection insurance included as part of your QSuper account. You can check your current level of cover in Member Online.
Our income protection cover can protect up to 87.75% of your income, which includes a 12.75% payment to your QSuper Accumulation account.1 This means that if you're unable to work, you can still cover everyday living expenses and continue to grow your super.
If you're sick or injured, you may get payments for up to 2 years, giving you time to recover and focus on your health. This is known as a benefit period. Your benefit period is the maximum period of time we can pay you an income protection benefit.
If you make a claim and it's approved, your income protection payments will start 90 days after the date you can't work because of illness or injury (or after you've used up all of your sick leave if this is a longer period of time). This is called a waiting period. You can change your waiting period to 30 or 60 days in Member Online.2
Everyone's insurance needs are different and how much cover you need will depend on your individual circumstances. Use our Insurance Needs Calculator to get an understanding of how much cover you might need to maintain your current lifestyle.
Our insurance is flexible. You can increase or decrease your level of cover, choose your income protection waiting and benefit periods, cancel or permanently opt in to cover, or change how much you pay by applying an occupational rating.
1.In summary, your insured salary is the salary notified to us by your Queensland Government or default employer for your permanent full-time or part-time employment. See the Insurance Guide (pdf) for full details.
When you go on maternity or paternity leave, your income protection insurance will continue as long as you have enough money in your account to pay for the insurance premiums. If you have salary-based cover and your parental leave includes a period of leave without pay, we'll change your income protection to unitised cover if we don't get a contribution from your employer for 3 months.
If you're currently receiving your full income protection benefit and receive Workers' Compensation payments, motor accident compensation, social security payments, or any statutory or government payments for loss of income relating to illness or injury, we will reduce your income protection payments by an equivalent amount. Read the QSuper Insurance Guide (pdf) for more information.
If your employer starts paying you any annual, recreational, long service, sick, or other personal leave, your income protection payments will be suspended. Read the QSuper Insurance Guide (pdf) for more information.
1. Salary-based income protection cover is set at 87.75% of your insured salary which includes a contribution replacement benefit of 12.75% of insured salary into your QSuper account.
2. If you work for the Queensland Police Service as a police officer, your waiting period will be 180 days or accrued sick leave plus approved Queensland Police Service sick leave bank, whichever is greater. You can't change your waiting period.
3. For period 1 January - 31 December 2022. Source: APRA Life Insurance Claims and Disputes Statistics, published 18 April 2023.
Any WorkCover claim payments they get reduce how much we can pay them in income protection benefits. And the time they're on a WorkCover claim will count towards how long they can receive income protection payments with us (their income protection benefit period).
If they have a QSuper Defined Benefit account: Having a WorkCover claim approved for the condition or illness may mean we have to reduce or stop their income protection benefit. They'll need to let us know about this as soon as possible.
If they have a QSuper Defined Benefit account: They'll have to finish their waiting period by using all of their paid sick leave, and then 14 days in a row of unpaid sick leave, before getting income protection payments. Any WorkCover payments they get may reduce or suspend their income protection payments. If we need to suspend payments, this won't count towards the income protection benefit period.
If your employee leaves, their income protection payments will continue as long as they meet our definitions of total and temporary disablement, or partial and temporary disablement. You can read the full definitions in our Insurance Guide (pdf).
If they have a Defined Benefit account: They'll no longer be eligible for payments as their account will close. However, payments will continue if they start a new job with an employer who is eligible to contribute to their Defined Benefit account within 1 month of leaving their original employer.
Your employee should contact their QSuper claims manager to discuss their options. Their claims manager will consider the medical evidence and work with you, your employee, and their treating medical practitioner to develop a Graduated Return to Work Agreement (pdf).
When the plan starts, you'll need to deduct contributions at the employee's nominated percentage, based on the reduced salary. When the employee starts work on a reduced income, standard member contributions and compulsory employer payments must reflect the reduced salary.
Income protection claims, including any graduated return to work period, continue up to the employee's maximum benefit period for a condition or related condition. (The benefit period means how long we can pay insurance benefits for them.)
The insurance policy we have with our insurer, ART Life Insurance, includes a pandemic illness exclusion that took effect from 18 March 2020. See how it applies to your employee in our Insurance Guide (pdf).
1. Based on the average amount of time it took our insurer to decide whether to accept or decline a claim for payment in the period 1 July 2021 to 30 June 2022. Source: Moneysmart Life insurance claims comparison tool. Data in this tool is reported by life insurers and friendly societies to the Australian Prudential Regulation Authority (APRA). Accessed 14 November 2022.
An income protection insurance policy covers for the loss of salary or wages due to illness or accidents. The amount of the payments you receive is a percentage of your earnings based on your employment income prior to a claim.
You must declare all payments you receive for lost salary or wages under one of these policies (this includes any payment you receive as part of a workers compensation scheme). Where you declare payments made to you under an income protection, sickness or accident insurance policy in your tax return will depend on if tax has been withheld.
You may receive these payments in the form of a lump sum payment, structural (periodic) payments or both. If you meet certain conditions, the payments may be tax-free, see Personal injury compensation structured settlements.
If tax is withheld, declare these payments at Salary, wages, allowances, tips, bonuses etc in myTax. If completing a paper tax return and tax has been withheld, declare these payments at question 1 Salary or wages.
If you follow our information and it turns out to be incorrect, or it is misleading and you make a mistake as a result, we will take that into account when determining what action, if any, we should take.
Some of the information on this website applies to a specific financial year. This is clearly marked. Make sure you have the information for the right year before making decisions based on that information.
As a teacher, you have access to a range of different types of leave, each designed to meet a specific purpose but all intended to help you maintain a healthy work/life balance. It is important that you are aware of and make use of these entitlements.
A 10-day sick leave credit is allowed at the date of beginning permanent employment. From the beginning of the second year of permanent service, or if employed on a temporary contract, sick leave is accrued at the rate of one half-day for each 18 days of service, based on a seven-day week and 52 weeks of the year.
If you are subject to a formal process for monitoring performance, conduct or attendance, the Director-General may require that a medical certificate be provided to support any application for sick leave for periods of three days or less.
An additional credit of 65 working days of sick leave on full pay may be added to the sick leave account of a full-time teacher, provided that the teacher has completed 26 years of meritorious service within the Queensland public sector which counted towards long service leave accrual. Additional credit is calculated on a pro-rata basis for teachers who have been employed on a part-time basis. Applications should be made in writing to the appropriate regional director, through the principal.
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