Sometimes life throws us different challenges or opportunities that mean we need to take some time away from work. If you decide to take leave without pay (LWOP), 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-basedIn a new account in Qantas Super’s Gateway Division. Your new employer will pay your contributions to this account. You will get a 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.

...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.

...take a break from work

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

You can top up your super while you’re away from your job via BPay, by logging in online.

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 employer will 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 or were stood down.

Please note: The following insurance arrangements may be subject to change. We will let you know of any changes and what they mean for you in advance.

Death and Total and Permanent Disablement (TPD)

Divisions 3A, 6, 7, 10, or Gateway

If you are in Division 3A, 6, 7, 10, or Gateway, you will continue to be covered for death, TPD and income protection after you commence unpaid leave or are stood down, 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 and 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 in 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.

Division 1, 2, 3, 5, or 15

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

Any income protection cover you have through Qantas Super ceases while you’re stood down or on leave without pay (LWOP) from your job at Qantas Group. This means you won’t have income protection cover through Qantas Super while you’re stood down or on LWOP, even if you have a second job outside Qantas Group.

This is because income protection is designed to cover you if you can’t work due to illness or injury. Because you’re not working for Qantas Group while stood down or on LWOP, this means you can’t claim during this time. You also can’t claim income protection benefits due to being stood down.

Please note that for insurance purposes, you are considered to be stood up if you are doing work.  It does not include periods of receiving annual leave or long service leave payments where you would otherwise be stood down.

If you would like income protection cover during this period, you may wish to consider alternative options with other providers.

What happens to your IP cover if you are stood up and down intermittently

If you’re stood down, your IP cover will cease until you are stood up again.  Once you’re stood up, your IP cover will recommence automatically.

In addition, with effect from 1 August 2020 we have negotiated with our new insurer MetLife that once you are stood up after this date your cover will only cease again if you are then stood down for a period of more than 7 consecutive days.

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

The income protection cover provided to you while you are stood down or on leave without pay (LWOP) is changing.

What are the current arrangements?

Income protection cover continues while you are stood down or on LWOP, including insurance premiums being paid from your account. This cover stops after 16 months, unless you make super contributions or request to keep the cover. If you are ill or injured while stood down or on LWOP and eligible to make claim, you can only start receiving your benefit from the later of your nominated return to work date or the end of the waiting period.

What are the new arrangements?

From 1 August 2020, any income protection cover you have through Qantas Super ceases while you’re stood down or on leave without pay (LWOP) from your job at Qantas Group. This includes if you were stood down or commenced LWOP prior to 1 August 2020. You won’t pay premiums for the period your cover has stopped.

This means you won’t have income protection cover through Qantas Super while you’re stood down or on LWOP, even if you have a second job outside Qantas Group.  You also can’t claim income protection benefits due to being stood down.

Please note that for insurance purposes, you are considered to be stood up if you are doing work.  It does not include periods of receiving annual leave or long service leave payments where you would otherwise be stood down.

Your income protection cover will re-commence automatically on your nominated return to work date, if you are at work for the normal daily hours of work and are actively performing the full, unrestricted or unmodified duties of the job you had before you were stood down or went on LWOP (At Work).

If you are not At Work on your nominated return to work date, you will not be covered for any pre-existing conditions. You will only be covered for an illness which became apparent, or any injury which occurred, on or after your nominated return to work date (Limited Cover). Limited Cover will apply until you have returned to being At Work for 30 consecutive days, at which point, full cover will apply

If you would like income protection cover while you are stood down, you may wish to consider alternative options with other providers.You can also change or cancel your cover with Qantas Super at any time by completing a form and sending it to us. You can download the relevant form here.

Please note that, because we require information from Payroll regarding the stand down, premiums for IP cover may initially continue to be deducted from your account from 1 August. Once we have the relevant information regarding your stand down, any premiums paid for IP cover while you were stood down from 1 August will be refunded to your account.

What happens to your IP cover if you are stood up and down intermittently

If you are stood down as at or after 1 August 2020, your IP cover will cease until you are stood up again. Once you are stood up, your IP cover will re-commence automatically if you are At Work on your nominated return to work date.

If you are not At Work on your nominated return to work date, your IP cover will recommence subject to Limited Cover. This means you will only be covered for an illness which became apparent, or any injury which occurred, on or after the date you are stood up again. Limited Cover will apply until you have returned to being At Work for 30 consecutive days, at which point full cover will apply.

After this, your cover will only cease again if you are then stood down for a period of more than 7 days.  This means that if you are on a rotating stand down with more than a week of stand down each time, your IP cover will be switched on and off for each period.

Here are some examples:

If you are regularly working for 3 weeks, then stood down for 3 weeks, you would be covered for IP benefits for the periods you are working, i.e. your IP cover would be turned on and off every 3 weeks.

If you are partially stood down, working 3 days a week and stood down for the rest of each week, then your IP cover would continue uninterrupted, subject to Limited Cover as above.

Division 5

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 without pay, your benefits will not be paid until your nominated return to work date, once you have gone through the 90 day waiting period.

Your Voluntary Cover

Your voluntary cover won’t change while you’re on leave without pay or are stood down.

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