Insurance

The first thing you should do is give our helpline a call (1300 362 967). They can guide you through the claims process:

1. Call us to confirm your cover with us, the claim you’d like to make and we’ll provide you with the right forms to complete
2. Complete the forms and send them to us
3. Our insurer, MetLife, will assess your claim and make a recommendation to us
4. We’ll review your claim along with MetLife’s recommendation and let you know the outcome

Each case is different. Claims for income protection take up to 2 months to assess once we receive your paperwork, while total and permanent disablement claims are more involved and can take up to 6 months to assess. The main reason for claims taking longer than this is because we are waiting for information from your employer, your treating doctor, or the specialists or other professionals engaged by the insurer.

We try to do whatever we can to ensure these delays are minimised for you.

To claim on your disability insurance you will need to provide the following documents:

• Employee statement
• Employer statement
• Disability medical report(s)
• Any other medical documentation (including workers compensation claim details)
• Certified proof of identity

If you are claiming for a total and permanent disablement (TPD) or terminal illness benefit you will need to supply two disability medical reports from two different doctors, at least one of these medical reports must be completed by your treating specialist.

No. Simply give us a call and we’ll help you with the application forms. The process is the same with or without a lawyer. If you do use a lawyer your benefit will be reduced by their fees, they may charge you expenses and potentially slow the process.

If you are worried about the process of making a claim, we can guide you through it.  Once you make a claim we are here to help you every step of the way.

No. Your insurance benefit isn’t negotiable – it’s set and calculated in a specific way according to the Qantas Super division you’re in.

You can apply to increase, reduce or cancel your voluntary insurance cover at any time. Members of divisions 5, 6, 7 and 10 can also cancel their standard cover and members in the Gateway division can increase, reduce or cancel their basic cover at any time.  Fill in and return the relevant forms below and we’ll arrange it for you. If you get stuck, give us a call.

Call us to get advice on the level of insurance cover that is right for you and your loved ones. We’ll talk through factors like your age, dependants and financial situation to work out how much cover you might need.

You can also assess your insurance needs with this calculator:

Limited Cover means you will not be covered for any pre-existing condition.

You will only be covered for an illness which became apparent to you, or any injury which occurred to you, on or after the date that you received cover.

‘At Work’ means the person is at work for the normal daily hours of work and is actively performing the full, unrestricted or unmodified duties of their normal Occupation for which they were Employed or would have been had the day not been a day of leave (other than due to Illness or injury), public holiday or weekend day.

Most members can receive insurance through their super – including death (which includes terminal illness), total and permanent disablement (TPD) and income protection cover. This is known as Standard Cover (or Basic Cover in the Gateway division). Insurance cover differs depending on the division you’re in, so it’s important to check what you’re covered for.

You can also take out extra voluntary cover for death or death and TPD.

You can see how much your insurance premiums are by logging into to your account and viewing a recent statement or give our helpline a call.

Insurance cover and costs are different depending on what division you’re in, and depend on factors such as your age and salary.

If you have more than one policy for death cover, then usually your beneficiaries will be able to claim on each policy.

But if you have other policies for disability cover outside of Qantas Super, please be aware that your insurance benefits in Qantas Super may be subject to “offsetting”. Offsetting is commonplace in the insurance industry, so you might also want to check any other cover you have for this exclusion.

Offsetting in insurance is where your income protection benefit (and for Divisions 1, 2 and 3, your total and permanent disablement benefit) is reduced by other benefits or income for the same period or condition for which your insurance benefits are paid. Some common offsets include:

• Income earned, including sick or annual leave paid to you
• Workers compensation payments
• Payment under Loss of Licence insurance (pilots only)

Please refer to this guide for more information.

When you leave employment with the Qantas Group your super will be moved into the Gateway Division and you will become a Retained Member. As a Retained Member, your Income Protection cover will cease. You will automatically maintain the same level of standard or basic cover for death and total and permanent disablement (TPD) you had at the time of leaving employment. This cover is a fixed dollar amount and will not change with age, salary or membership, so it is important to regularly review if the cover amounts are suitable for you. Any voluntary cover you have will automatically continue.

If you elect to have your future employer contributions paid to another super fund, any remaining super balance you will be moved into the Gateway Division and you will become a Retained Member. As a Retained Member, your Income Protection cover will cease. You will automatically maintain the same level of standard or basic cover for death and total and permanent disablement (TPD) you had on the date your choice of fund election is effected. This cover is a fixed dollar amount and will not change with age, salary or membership, so it is important to regularly review if the cover amounts are suitable for you. Any voluntary cover you have will automatically continue.

You can update your beneficiaries at any time. Non-binding beneficiary nominations can be done online, however, you’ll need to complete a form for binding beneficiary nominations.

As a new member, there are two ways you can get insurance cover from Qantas Super.

To be eligible to receive Basic Cover, you must be 25 or above and your super balance with us must be $6,000 or more. When you meet the criteria, we’ll automatically apply this cover to your account, based on your Salary for Insurance Purposes. Limited Cover will initially apply until you’ve been At Work for 60 consecutive days.

You can obtain Basic Cover sooner by opting in to receive it now. Limited Cover will apply until you’ve been At Work for 60 consecutive days.