Important changes to insurance cover through Gateway

The opt in period closed on 30 June 2022. If you have any questions, please give us a call on 1300 362 967.

From 1 July 2022, the approval of any Voluntary Cover for death or TPD will be subject to underwriting (that is, providing medical evidence).

Making the provision of extra cover subject to underwriting will lead to a better experience for members in the event of a claim, by ensuring that a member’s particular circumstances, including any pre-existing conditions and required exclusions and limitations, are already taken into account during the underwriting process.

If you already have Voluntary Cover, or apply for Voluntary Cover before 1 July 2022, this will not be affected.

We are replacing one of the definitions of TPD on 1 July 2022. The new definition will apply to claims that relate to illnesses or injuries that occur on 1 July 2022 or after and applies to Voluntary Cover and default cover for Gateway and other accumulation division members.

Default Cover

Currently default cover for TPD is payable if you satisfy one of three definitions of TPD as defined on page 55 of the Qantas Super Gateway Member Guide Supplement:

a) Any Occupation

b) Activities of daily living

c) Home duties

These definitions currently apply as follows:

• If you are employed in Regular employment for at least 15 hours per week – you are TPD if you satisfy any of the definitions (a), (b) or (c).
• If you are employed in Regular employment for less than 15 hours per week, unemployed or a member whose Occupation is home duties – you are TPD if you satisfy definition (b) or (c).

We are replacing definition (b), Activities of daily living, with Activities of daily work. This new definition is less restrictive, which will make it easier for affected members to claim on their cover.

In addition, eligibility for the least restrictive definition, (a) Any occupation, will increase as follows:

• If you are employed in Regular employment or have been unemployed for less than 6 months – you are TPD if you satisfy any of the definitions (a), (b) or (c).
• If you have been unemployed for 6 months or more or are a member whose Occupation is home duties – you are TPD if you satisfy definition (b) or (c).

Voluntary Cover

Currently, voluntary cover for TPD is payable if you satisfy at least one of the five definitions of TPD as defined on page 12 of the Qantas Super Voluntary Cover Insurance Guide:

a) Any Occupation (termination of employment)

b) Specific loss

c) Activities of daily living

d) Home duties

e) Any Occupation

The definition of TPD that applies to you depends on your circumstances, including which division you’re in, the date you joined Qantas Super, as well as the number of hours you are working, and whether you are unemployed or occupied in home duties, at your Date of Claim.

From 1 July 2022, the eligibility for the ‘Any Occupation’ definitions will increase as follows:

¹ If you joined Qantas Super in a division other than Gateway and have continuously held Voluntary Cover since before 1 July 2013, an additional part (b) Specific loss is available to you as described below.

²If you were a member of Division 8 prior to 1 July 2013, have continuously held Voluntary Cover since then, and currently working 15 hours or more a week, part (e) applies to you but is modified by replacing the words ‘Any Occupation’ with ‘your own Occupation and any similar occupation’.

This will replace the table shown on page 11 of the Voluntary Cover Guide.  The definition of each part of the TPD definition are provided on page 12. Part (c) Activities of daily living will be replaced with the new definition Activities of daily work.

You can find the new definition here.