MEU Queensland

Yes, an example is Member A has current Income Protection cover with his Super Fund which commenced as at 01/01/2000 which has been held continuously since. In 2010 Member A had an accident and injured his right knee requiring surgery. Member A opts to take cover under the MEU Scheme, under this promotion and the 1,000 new member target is achieved. In November 2026 Member A has a recurrence of knee pain in his right knee which is a direct aggravation of the surgery in 2010. Member A makes a claim under the MEU policy and provides evidence from his previous policy that cover was held continuously from 01/01/2000 to 15/10/2026. As the knee condition is attributable to the pre-existing condition it is covered by the policy and weekly benefits are payable.

Here is an example: Member A has held Income Protection through their super fund continuously since 1 January 2000. In 2010, they injured their right knee and required surgery.

Member A joins the MEU Scheme under the promotion, and the 1,000-member target is reached. In November 2026, their right knee problem returns as a result of the previous injury.

Member A makes a claim under the MEU Scheme and provides evidence that they held their previous Income Protection cover continuously from 1 January 2000 until joining the MEU Scheme.

Because the promotion removes the pre-existing condition exclusion, the knee condition can be covered and weekly benefits may be payable, subject to the terms and conditions of the policy.

You only need to provide evidence of previous insurance in the event of a claim for a pre-existing condition which manifested under the previous continuous policy period. Alternatively you can provide the evidence of cover at anytime. Evidence of previous insurance is simply written verification from the previous provider of the period of continuous cover held.

Keep your existing Income Protection in place until the promotion outcome is confirmed. If the 1,000-member target isn't reached, you can choose whether to continue your existing cover or retain the MEU District Scheme cover with the standard pre-existing condition exclusion.

You only need to provide evidence of previous insurance in the event of a claim for a pre-existing condition which manifested under the previous continuous policy period. Alternatively you can provide the evidence of cover at anytime. Evidence of previous insurance is simply written verification from the previous provider of the period of continuous cover held.

Yes, there is no application form, just the EziDebit form to fill out. All members have automatic acceptance provided at work on full duties.

Cover can commence when you return to work on full duties. You can set up your EziDebit authority in advance, with premiums commencing when you return. Please contact Mikayla Brockie to discuss your circumstances.

If you later make a claim for a condition that was pre-existing when you joined, you may need to provide evidence of your previous Income Protection cover and how long you were continuously insured. You can provide this evidence when you join so it can be recorded for future reference. This requirement continues after you join. Evidence may still be required for a claim made years later.

You don't need to wait for the 1,000-member target. You can join the Scheme now, subject to the Scheme's eligibility requirements.

Yes. Income Protection premiums paid from your own bank account are generally tax deductible, subject to your individual circumstances. A tax statement will be provided at the end of the financial year.

Life & Total Disablement is available in addition to the Income Protection or in isolation, see here for more detail

Yes. Members can complete a one-page Declaration of Health for individual consideration of a pre-existing condition, whether or not the 1,000-member target is reached. This should be done before cancelling any existing Income Protection cover.

Income Protection premiums paid from your own bank account may be tax deductible, subject to your individual circumstances. Paying premiums directly may also avoid using your superannuation balance and contributing to your super contribution cap. Consider your individual circumstances and seek professional tax advice if required.