Sometimes life throws us exciting opportunities that are hard to turn down, like an internal transfer overseas or further study. Or perhaps you need to take some time away from work to care for a child or a parent, or just need a break from your career.

If you decide to take leave without pay, the arrangements with your super may change.

What leave without pay means for your future super contributions when you...

...take up another role internally

LocationWhere your new employer's super contributions will be paid
Australia-basedNew account in Qantas Super’s Gateway division. Your new employer will pay your contributions to this account
New pin to log into your account
You may be able to choose to combine your accounts in Qantas Super. Call us.
OverseasYour new employer will give you this information.
When you're back, call us

Location

...take up an opportunity outside the Qantas Group

LocationWhere your new employer's super contributions will be paid
Australia-basedYour new employer can pay your superannuation contributions into your Qantas Super account. This saves you having more than one super fund. Call us for the form
OverseasYour new employer will give you this information
When you're back, call us

Location

...take a break from work

Although you won’t be receiving contributions from your employer, you can still choose to top up your super.

To top up your super while you’re away from your job, you can do this via BPay. Call on us 1300 362 967 and we’ll help you.

What happens to your existing super?

Your Qantas Super account will remain in place and your super will continue to remain invested. When you return to your original job, your employerwill start contributing to your original Qantas Super account again.

What happens to your super account in...

Divisions 1, 3A, 5, 6, 7, 10, and Gateway

Your current employer will stop paying contributions into your Qantas Super account.

Divisions 2, 3, 15

Your defined benefit component is put on hold, or frozen.

Your super includes a defined benefit component. This is based on a formula that uses two major elements:

  1. Your years of service. While you’re on leave without pay, your years of service freeze – the time you’re on leave without pay will not count in the formula.
  2. Your superannuation salary. The super salary used to calculate your benefits will be your super salary just before you went on leave.

This means the defined benefit component of your super will largely stay the same while you are on leave without pay.

Division 2

You also have an accumulation component. Your current employer will stop paying contributions into your Qantas Super account.

What happens to your contributions?

Divisions 1, 2, 3

Compulsory contributions will stop while you’re on leave without pay.

Division 3 and on maternity leave? You may have the option to keep making compulsory contributions, so that the period you are on leave without pay will be included in the formula for the defined benefit component. Call People Services on 1300 303 411.

All divisions

You can continue to make voluntary contributions via BPay, or through your new employer if you are working in Australia.

What happens to your insurance?

We use your salary to calculate your insurance cover.

Since your super account is technically “on hold”, your cover will be calculated using your:

  • Superannuation Salary – for Divisions 1, 2, 3, and 15
  • Salary for Insurance Purposes – for other divisions

before you went on leave.

If you are in Division 3A, 6, 7, or Gateway, you will continue to be covered for death, TPD and income protection after you commence unpaid leave provided that:

  • you do not join the armed forces (excluding Australian Defence Force Reservists not deployed overseas);
  • premiums continue to be paid; and
  • you remain employed by the Qantas Group a member of Gateway.

Your cover will cease 16 months from the date of the last contribution or rollover to your account, unless you elect to maintain your cover by completing the form here.

If you are Division 3A, 6, 7, 10 or Gateway and we receive an employer contribution from a Qantas Group employer after your cover has ceased due to inactivity, your Basic Cover for death, TPD and income protection will recommence automatically at the appropriate amount given your age and salary if you are At Work. If you are not At Work, Limited Cover will apply until you return to being At Work for 30 consecutive days.

If you opt in, cover will continue until you ask to cancel it, as long as your account balance has enough to cover your premiums and you remain otherwise eligible.

Death and Total and Permanent Disablement (TPD)

If you are in Division 1, 2, 3, 5, or 15, you will continue to be covered for death and TPD for:

  • Division 1, 2, 3 – Secondment: 5 years
  • Division 1, 2, 3, 5 – unpaid leave which is not a secondment: 2 years
  • Division 15: 1 year

Income Protection

Divisions 1, 2, 3

Ceases while you’re on LWOP.

If you return to work within two years of being on leave (or within five years if you’re on secondment), then your cover will be automatically reinstated on your return.

Otherwise you will need to apply for your cover to be reinstated and may need to supply medical evidence.

Divisions 6, 7, 10, and Gateway

Your cover will cease 16 months from the date of the last contribution or rollover to your account, unless you elect to maintain your cover by completing the form here.

If you are in Division 5, your cover will continue for two years.

When your cover is close to expiring, we’ll send you a reminder and you’ll be able to apply for an extension.

However, if you make a successful claim for temporary disability while on leave with pay, your benefits will not be paid until your nominated return to work date, once you have gone through the waiting period.

Your Voluntary Cover

This won’t change.

Other info you might be interested in

What is salary sacrificing?

Salary sacrificing is when an employee agrees to give up part of their salary or wages in return for benefits of a similar value.

What are co-contributions?

The super co-contribution is a tax-free bonus from the government to help people on low to middle incomes boost their super.

What is insurance through super?

Our ability to earn an income is often the last thing we insure, even though it’s the most fundamental asset we have.

How to take control of your super

The sooner you take an interest in your super, the greater the reward when you finish working.

We're here to help

If you want to learn more or need help with making a decision about your super, you can get simple advice over the phone or face to face. It’s included as a part of your membership so there’s no extra cost.