Total & Permanent Disablement cover

Total & Permanent Disablement (TPD) cover can provide a lump sum payment if you become totally and permanently disabled and can’t work anymore.

This page outlines the key features of TPD cover for AustralianSuper plan members. To find our what plan you’re on, log into your account online and visit Insurance > Manage insurance. If you aren’t a member of AustralianSuper plan, please refer to the relevant Product Disclosure Statement for more information.

What is Total & Permanent Disablement (TPD) cover?

If you become ill or injured and you can’t work in any job ever again, TPD cover can help with the costs of rehabilitation, debt repayments and the future cost of living. If you have TPD cover, you’re also covered for terminal illness.

How TPD cover works

TPD cover can provide a lump sum payment if you are totally and permanently disabled and can no longer work. Your eligibility for a TPD benefit payment will be assessed differently if you haven’t had a job for 16 months or more.

Terminal illness

If you have TPD cover, and you’re diagnosed with a terminal illness, you may be eligible to receive a terminal illness benefit payment. You may also be able to access your super account balance.
For more information, see the Applying for a terminal illness payment fact sheet.

Automatic cover

When you join, you'll get basic cover automatically1 if:
  • you're 25 or older
  • your super balance reaches $6,000, and
  • you’ve received an employer super contribution (after meeting both age and balance requirements).
If the basic cover you’re automatically provided with doesn't suit your needs you can apply for age-based or fixed cover.

Age-based cover

Basic TPD cover is age based, which means the amount and cost of cover changes as you get older. If you want to increase your cover, you’ll need to provide detailed health information for the Insurer2 to consider.

Insurance costs

The cost of your cover depends on your age, cover amount and individual work rating3.
Use the insurance calculator to work out how much your cover will cost.

Work ratings

A work rating classifies the usual activities of your job into one of three ratings: Blue Collar, White Collar or Professional. The default work rating is Blue Collar, which is the most expensive.
You could pay less for your cover if you’re eligible for a White Collar or Professional work rating. Use our Work Rating Tool to see if you could pay less for your insurance cover.

Claiming a TPD benefit payment

To claim, you’ll need medical reports of your total and permanent disablement.
The insurer will use the information provided by you and your doctors to decide the outcome of your claim.
1
2
3
4
5
6

How much cover do you need?

When thinking about how much cover you need (if any), consider:

  • your age
  • if you have a partner
  • if you have children/dependents
  • your goals and future living expenses
  • any debts you may have.

Use the insurance calculator to estimate how much TPD cover you might need.

Calculate your cover and the cost

What age-based cover will I get and how much will it cost?

Select your age to see how much cover you can get and the cost of it.
  • Assumptions

    Age-based cover amounts and costs are for members in our AustralianSuper plan, with a Blue Collar individual work rating, and Income Protection with a 60-day waiting period and a benefit payment period up to two years. You should check the Product Disclosure Statement for important information about insurance.

    If you’re an AustralianSuper Select member, details about your cover and costs are in the AustralianSuper Select booklet for your employer. Find your booklet here.

Tell us your age

Age: 15

Death cover

Amount: $20,000

Weekly cost: $0.14

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.10

Income Protection

Amount (a month): $1,000

Weekly cost: $0.11

Total weekly cost of cover: $0.35
Costs are deducted monthly from your super account.

Age: 16

Death cover

Amount: $20,000

Weekly cost: $0.14

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.10

Income Protection

Amount (a month): $1,000

Weekly cost: $0.11

Total weekly cost of cover: $0.35
Costs are deducted monthly from your super account.

Age: 17

Death cover

Amount: $20,000

Weekly cost: $0.14

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.10

Income Protection

Amount (a month): $1,000

Weekly cost: $0.11

Total weekly cost of cover: $0.35
Costs are deducted monthly from your super account.

Age: 18

Death cover

Amount: $50,000

Weekly cost: $0.35

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.19

Income Protection

Amount (a month): $1,500

Weekly cost: $0.17

Total weekly cost of cover: $0.71
Costs are deducted monthly from your super account.

Age: 19

Death cover

Amount: $50,000

Weekly cost: $0.36

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.19

Income Protection

Amount (a month): $1,500

Weekly cost: $0.17

Total weekly cost of cover: $0.72
Costs are deducted monthly from your super account.

Age: 20

Death cover

Amount: $50,000

Weekly cost: $0.36

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.19

Income Protection

Amount (a month): $1,500

Weekly cost: $0.17

Total weekly cost of cover: $0.72
Costs are deducted monthly from your super account.

Age: 21

Death cover

Amount: $50,000

Weekly cost: $0.36

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.20

Income Protection

Amount (a month): $1,500

Weekly cost: $0.20

Total weekly cost of cover: $0.76
Costs are deducted monthly from your super account.

Age: 22

Death cover

Amount: $100,000

Weekly cost: $0.72

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.39

Income Protection

Amount (a month): $1,900

Weekly cost: $0.29

Total weekly cost of cover: $1.40
Costs are deducted monthly from your super account.

Age: 23

Death cover

Amount: $100,000

Weekly cost: $0.73

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.39

Income Protection

Amount (a month): $1,900

Weekly cost: $0.32

Total weekly cost of cover: $1.44
Costs are deducted monthly from your super account.

Age: 24

Death cover

Amount: $100,000

Weekly cost: $0.74

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.39

Income Protection

Amount (a month): $1,900

Weekly cost: $0.38

Total weekly cost of cover: $1.51
Costs are deducted monthly from your super account.

Age: 25

Death cover

Amount: $116,000

Weekly cost: $0.88

Total & Permanent Disablement cover

Amount: $48,000

Weekly cost: $0.42

Income Protection

Amount (a month): $1,900

Weekly cost: $0.40

Total weekly cost of cover: $1.70
Costs are deducted monthly from your super account.

Age: 26

Death cover

Amount: $132,000

Weekly cost: $1.03

Total & Permanent Disablement cover

Amount: $52,000

Weekly cost: $0.49

Income Protection

Amount (a month): $2,000

Weekly cost: $0.48

Total weekly cost of cover: $2.00
Costs are deducted monthly from your super account.

Age: 27

Death cover

Amount: $147,000

Weekly cost: $1.19

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $0.55

Income Protection

Amount (a month): $2,200

Weekly cost: $0.57

Total weekly cost of cover: $2.31
Costs are deducted monthly from your super account.

Age: 28

Death cover

Amount: $161,000

Weekly cost: $1.35

Total & Permanent Disablement cover

Amount: $58,000

Weekly cost: $0.60

Income Protection

Amount (a month): $2,300

Weekly cost: $0.67

Total weekly cost of cover: $2.62
Costs are deducted monthly from your super account.

Age: 29

Death cover

Amount: $175,000

Weekly cost: $1.51

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.71

Income Protection

Amount (a month): $2,400

Weekly cost: $0.74

Total weekly cost of cover: $2.96
Costs are deducted monthly from your super account.

Age: 30

Death cover

Amount: $178,000

Weekly cost: $1.57

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.77

Income Protection

Amount (a month): $2,500

Weekly cost: $0.90

Total weekly cost of cover: $3.24
Costs are deducted monthly from your super account.

Age: 31

Death cover

Amount: $182,000

Weekly cost: $1.67

Total & Permanent Disablement cover

Amount: $60,000

Weekly cost: $0.83

Income Protection

Amount (a month): $2,600

Weekly cost: $1.01

Total weekly cost of cover: $3.51
Costs are deducted monthly from your super account.

Age: 32

Death cover

Amount: $183,000

Weekly cost: $1.79

Total & Permanent Disablement cover

Amount: $59,000

Weekly cost: $0.91

Income Protection

Amount (a month): $2,700

Weekly cost: $1.16

Total weekly cost of cover: $3.86
Costs are deducted monthly from your super account.

Age: 33

Death cover

Amount: $183,000

Weekly cost: $1.87

Total & Permanent Disablement cover

Amount: $57,000

Weekly cost: $0.97

Income Protection

Amount (a month): $2,800

Weekly cost: $1.34

Total weekly cost of cover: $4.18
Costs are deducted monthly from your super account.

Age: 34

Death cover

Amount: $183,000

Weekly cost: $1.94

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $1.04

Income Protection

Amount (a month): $2,900

Weekly cost: $1.51

Total weekly cost of cover: $4.49
Costs are deducted monthly from your super account.

Age: 35

Death cover

Amount: $180,000

Weekly cost: $2.02

Total & Permanent Disablement cover

Amount: $53,000

Weekly cost: $1.09

Income Protection

Amount (a month): $3,000

Weekly cost: $1.68

Total weekly cost of cover: $4.79
Costs are deducted monthly from your super account.

Age: 36

Death cover

Amount: $178,000

Weekly cost: $2.10

Total & Permanent Disablement cover

Amount: $51,000

Weekly cost: $1.17

Income Protection

Amount (a month): $3,000

Weekly cost: $1.80

Total weekly cost of cover: $5.07
Costs are deducted monthly from your super account.

Age: 37

Death cover

Amount: $174,000

Weekly cost: $2.16

Total & Permanent Disablement cover

Amount: $49,000

Weekly cost: $1.23

Income Protection

Amount (a month): $3,000

Weekly cost: $1.95

Total weekly cost of cover: $5.34
Costs are deducted monthly from your super account.

Age: 38

Death cover

Amount: $171,000

Weekly cost: $2.27

Total & Permanent Disablement cover

Amount: $47,000

Weekly cost: $1.28

Income Protection

Amount (a month): $3,100

Weekly cost: $2.17

Total weekly cost of cover: $5.72
Costs are deducted monthly from your super account.

Age: 39

Death cover

Amount: $166,000

Weekly cost: $2.31

Total & Permanent Disablement cover

Amount: $45,000

Weekly cost: $1.35

Income Protection

Amount (a month): $3,100

Weekly cost: $2.29

Total weekly cost of cover: $5.95
Costs are deducted monthly from your super account.

Age: 40

Death cover

Amount: $160,000

Weekly cost: $2.40

Total & Permanent Disablement cover

Amount: $43,000

Weekly cost: $1.40

Income Protection

Amount (a month): $3,100

Weekly cost: $2.48

Total weekly cost of cover: $6.28
Costs are deducted monthly from your super account.

Age: 41

Death cover

Amount: $154,000

Weekly cost: $2.48

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $1.42

Income Protection

Amount (a month): $3,100

Weekly cost: $2.64

Total weekly cost of cover: $6.54
Costs are deducted monthly from your super account.

Age: 42

Death cover

Amount: $146,000

Weekly cost: $2.51

Total & Permanent Disablement cover

Amount: $37,000

Weekly cost: $1.44

Income Protection

Amount (a month): $3,100

Weekly cost: $2.85

Total weekly cost of cover: $6.80
Costs are deducted monthly from your super account.

Age: 43

Death cover

Amount: $140,000

Weekly cost: $2.58

Total & Permanent Disablement cover

Amount: $34,000

Weekly cost: $1.45

Income Protection

Amount (a month): $3,100

Weekly cost: $3.04

Total weekly cost of cover: $7.07
Costs are deducted monthly from your super account.

Age: 44

Death cover

Amount: $131,000

Weekly cost: $2.62

Total & Permanent Disablement cover

Amount: $32,000

Weekly cost: $1.48

Income Protection

Amount (a month): $3,100

Weekly cost: $3.62

Total weekly cost of cover: $7.36
Costs are deducted monthly from your super account.

Age: 45

Death cover

Amount: $124,000

Weekly cost: $2.67

Total & Permanent Disablement cover

Amount: $29,000

Weekly cost: $1.46

Income Protection

Amount (a month): $3,100

Weekly cost: $3.50

Total weekly cost of cover: $7.63
Costs are deducted monthly from your super account.

Age: 46

Death cover

Amount: $115,000

Weekly cost: $2.69

Total & Permanent Disablement cover

Amount: $27,000

Weekly cost: $1.48

Income Protection

Amount (a month): $3,100

Weekly cost: $3.78

Total weekly cost of cover: $7.95
Costs are deducted monthly from your super account.

Age: 47

Death cover

Amount: $107,000

Weekly cost: $2.72

Total & Permanent Disablement cover

Amount: $23,000

Weekly cost: $1.37

Income Protection

Amount (a month): $3,000

Weekly cost: $3.90

Total weekly cost of cover: $7.99
Costs are deducted monthly from your super account.

Age: 48

Death cover

Amount: $98,000

Weekly cost: $2.70

Total & Permanent Disablement cover

Amount: $21,000

Weekly cost: $1.35

Income Protection

Amount (a month): $3,000

Weekly cost: $4.14

Total weekly cost of cover: $8.19
Costs are deducted monthly from your super account.

Age: 49

Death cover

Amount: $90,000

Weekly cost: $2.72

Total & Permanent Disablement cover

Amount: $19,000

Weekly cost: $1.33

Income Protection

Amount (a month): $3,000

Weekly cost: $4.44

Total weekly cost of cover: $8.49
Costs are deducted monthly from your super account.

Age: 50

Death cover

Amount: $80,000

Weekly cost: $2.65

Total & Permanent Disablement cover

Amount: $17,000

Weekly cost: $1.30

Income Protection

Amount (a month): $3,000

Weekly cost: $4.77

Total weekly cost of cover: $8.72
Costs are deducted monthly from your super account.

Age: 51

Death cover

Amount: $72,000

Weekly cost: $2.62

Total & Permanent Disablement cover

Amount: $15,000

Weekly cost: $1.26

Income Protection

Amount (a month): $3,000

Weekly cost: $5.10

Total weekly cost of cover: $8.98
Costs are deducted monthly from your super account.

Age: 52

Death cover

Amount: $63,000

Weekly cost: $2.52

Total & Permanent Disablement cover

Amount: $13,000

Weekly cost: $1.20

Income Protection

Amount (a month): $2,900

Weekly cost: $5.25

Total weekly cost of cover: $8.97
Costs are deducted monthly from your super account.

Age: 53

Death cover

Amount: $54,000

Weekly cost: $2.38

Total & Permanent Disablement cover

Amount: $11,000

Weekly cost: $1.12

Income Protection

Amount (a month): $2,900

Weekly cost: $5.63

Total weekly cost of cover: $9.13
Costs are deducted monthly from your super account.

Age: 54

Death cover

Amount: $46,000

Weekly cost: $2.25

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $1.14

Income Protection

Amount (a month): $2,900

Weekly cost: $6.00

Total weekly cost of cover: $9.39
Costs are deducted monthly from your super account.

Age: 55

Death cover

Amount: $37,000

Weekly cost: $2.00

Total & Permanent Disablement cover

Amount: $9,000

Weekly cost: $1.13

Income Protection

Amount (a month): $2,800

Weekly cost: $6.22

Total weekly cost of cover: $9.35
Costs are deducted monthly from your super account.

Age: 56

Death cover

Amount: $30,000

Weekly cost: $1.81

Total & Permanent Disablement cover

Amount: $7,000

Weekly cost: $0.98

Income Protection

Amount (a month): $2,800

Weekly cost: $6.61

Total weekly cost of cover: $9.40
Costs are deducted monthly from your super account.

Age: 57

Death cover

Amount: $22,000

Weekly cost: $1.48

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $0.96

Income Protection

Amount (a month): $2,800

Weekly cost: $7.06

Total weekly cost of cover: $9.50
Costs are deducted monthly from your super account.

Age: 58

Death cover

Amount: $15,000

Weekly cost: $1.13

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.09

Income Protection

Amount (a month): $2,800

Weekly cost: $7.53

Total weekly cost of cover: $9.75
Costs are deducted monthly from your super account.

Age: 59

Death cover

Amount: $9,000

Weekly cost: $0.76

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.26

Income Protection

Amount (a month): $2,700

Weekly cost: $7.72

Total weekly cost of cover: $9.74
Costs are deducted monthly from your super account.

Age: 60

Death cover

Amount: $9,000

Weekly cost: $0.85

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.10

Income Protection

Amount (a month): $2,700

Weekly cost: $8.24

Total weekly cost of cover: $10.19
Costs are deducted monthly from your super account.

Age: 61

Death cover

Amount: $9,000

Weekly cost: $0.96

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.34

Income Protection

Amount (a month): $2,600

Weekly cost: $8.48

Total weekly cost of cover: $10.78
Costs are deducted monthly from your super account.

Age: 62

Death cover

Amount: $9,000

Weekly cost: $1.09

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.58

Income Protection

Amount (a month): $2,600

Weekly cost: $9.02

Total weekly cost of cover: $11.69
Costs are deducted monthly from your super account.

Age: 63

Death cover

Amount: $9,000

Weekly cost: $1.19

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.82

Income Protection

Amount (a month): $2,600

Weekly cost: $9.59

Total weekly cost of cover: $12.60
Costs are deducted monthly from your super account.

Age:64

Death cover

Amount: $9,000

Weekly cost: $1.23

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $2.08

Income Protection

Amount (a month): $2,500

Weekly cost: $9.85

Total weekly cost of cover: $13.16
Costs are deducted monthly from your super account.

Age:65

Death cover

Amount: $9,000

Weekly cost: $1.28

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,400

Weekly cost: $10.08

Total weekly cost of cover: $11.36
Costs are deducted monthly from your super account.

Age:66

Death cover

Amount: $9,000

Weekly cost: $1.33

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,400

Weekly cost: $10.68

Total weekly cost of cover: $12.01
Costs are deducted monthly from your super account.

Age: 67

Death cover

Amount: $9,000

Weekly cost: $1.38

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,300

Weekly cost: $10.90

Total weekly cost of cover: $12.28
Costs are deducted monthly from your super account.

Age:68

Death cover

Amount: $9,000

Weekly cost: $1.43

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,200

Weekly cost: $10.54

Total weekly cost of cover: $11.97
Costs are deducted monthly from your super account.

Age: 69

Death cover

Amount: $9,000

Weekly cost: $1.47

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,200

Weekly cost: $6.84

Total weekly cost of cover: $8.31
Costs are deducted monthly from your super account.

Apply for TPD cover

TPD cover is available for members aged 15 to 64.
If the basic cover you’re automatically provided with doesn’t suit your needs, you can apply for age-based, fixed or age-based + extra (fixed) cover.
You can apply for up to $3 million in TPD cover.
You can apply for TPD cover by logging into your account online. If you don’t have an online account you’ll first need register for online access.
If you want to change or cancel your cover, visit the Change or cancel your cover page.

Make a claim

In the past decade to 30 June 2024, we’ve paid $4.5 billion in insurance claims, giving you peace of mind knowing you’re well covered with us at AustralianSuper.

Back to top