Total & Permanent Disablement cover

Life’s unpredictable. Total & Permanent Disablement (TPD) cover can provide financial security for you and your family if you become totally and permanently disabled and can never work again.

TPD cover when you join

  • What cover you get

    If you’re 20 or older when you join us, most of you will get a basic level of TPD cover. And, you won’t have to give us any health information.

    Our basic TPD cover is based on your age and individual work rating*. If you’re aged 15 to 19, cover is available – you just need to apply for it.

    Click here to see your cover amount based on your age.

    * If you’re a Public Sector Division member, you only have an Income Protection work rating.

  • Your options

    TPD cover is available for ages 15 to 65. You can apply for cover or change it anytime. The maximum amount of TPD cover you can apply for is $3 million.

    For costs and other options like fixed cover or adding extra cover to your basic age-based cover, see our insurance guide.

  • A few more things...

    • The basic cover you get may be different, depending the plan or division you join. See your Product Disclosure Statement for more details.
    • How much your TPD cover costs depends on your amount of cover, age and individual work rating*. The cost is automatically deducted from your super account.
    • You’re also covered for terminal illness if you have TPD cover.
    • You can always find more information about what we offer in our insurance guides.
    • As a member, you can view and manage your insurance online. Just log into your account.

    * If you’re a Public Sector Division member, you only have an Income Protection work rating.

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What's my cover?

See how much cover you'll have by selecting your age.

Tell us your age

Age-based cover amounts

Death cover

$0

Total & Permanent Disablement Cover

$0

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$50,000

Total & Permanent Disablement Cover

$25,000

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$51,000

Total & Permanent Disablement Cover

$28,000

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$66,000

Total & Permanent Disablement Cover

$33,000

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$82,000

Total & Permanent Disablement Cover

$38,000

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$100,000

Total & Permanent Disablement Cover

$44,000

Income Protection cover
(per month)

$0

Age-based cover amounts

Death cover

$116,000

Total & Permanent Disablement Cover

$48,000

Income Protection cover
(per month)

$1,900

Age-based cover amounts

Death cover

$132,000

Total & Permanent Disablement Cover

$52,000

Income Protection cover
(per month)

$2,000

Age-based cover amounts

Death cover

$147,000

Total & Permanent Disablement Cover

$56,000

Income Protection cover
(per month)

$2,200

Age-based cover amounts

Death cover

$161,000

Total & Permanent Disablement Cover

$58,000

Income Protection cover
(per month)

$2,300

Age-based cover amounts

Death cover

$175,000

Total & Permanent Disablement Cover

$61,000

Income Protection cover
(per month)

$2,400

Age-based cover amounts

Death cover

$178,000

Total & Permanent Disablement Cover

$61,000

Income Protection cover
(per month)

$2,500

Age-based cover amounts

Death cover

$182,000

Total & Permanent Disablement Cover

$60,000

Income Protection cover
(per month)

$2,600

Age-based cover amounts

Death cover

$183,000

Total & Permanent Disablement Cover

$59,000

Income Protection cover
(per month)

$2,700

Age-based cover amounts

Death cover

$183,000

Total & Permanent Disablement Cover

$57,000

Income Protection cover
(per month)

$2,800

Age-based cover amounts

Death cover

$183,000

Total & Permanent Disablement Cover

$56,000

Income Protection cover
(per month)

$2,900

Age-based cover amounts

Death cover

$180,000

Total & Permanent Disablement Cover

$53,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$178,000

Total & Permanent Disablement Cover

$51,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$174,000

Total & Permanent Disablement Cover

$49,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$171,000

Total & Permanent Disablement Cover

$47,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$166,000

Total & Permanent Disablement Cover

$45,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$160,000

Total & Permanent Disablement Cover

$43,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$154,000

Total & Permanent Disablement Cover

$40,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$146,000

Total & Permanent Disablement Cover

$37,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$140,000

Total & Permanent Disablement Cover

$34,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$131,000

Total & Permanent Disablement Cover

$32,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$124,000

Total & Permanent Disablement Cover

$29,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$115,000

Total & Permanent Disablement Cover

$27,000

Income Protection cover
(per month)

$3,100

Age-based cover amounts

Death cover

$107,000

Total & Permanent Disablement Cover

$23,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$98,000

Total & Permanent Disablement Cover

$21,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$90,000

Total & Permanent Disablement Cover

$19,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$80,000

Total & Permanent Disablement Cover

$17,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$72,000

Total & Permanent Disablement Cover

$15,000

Income Protection cover
(per month)

$3,000

Age-based cover amounts

Death cover

$63,000

Total & Permanent Disablement Cover

$13,000

Income Protection cover
(per month)

$2,900

Age-based cover amounts

Death cover

$54,000

Total & Permanent Disablement Cover

$11,000

Income Protection cover
(per month)

$2,900

Age-based cover amounts

Death cover

$46,000

Total & Permanent Disablement Cover

$10,000

Income Protection cover
(per month)

$2,900

Age-based cover amounts

Death cover

$37,000

Total & Permanent Disablement Cover

$9,000

Income Protection cover
(per month)

$2,800

Age-based cover amounts

Death cover

$30,000

Total & Permanent Disablement Cover

$7,000

Income Protection cover
(per month)

$2,800

Age-based cover amounts

Death cover

$22,000

Total & Permanent Disablement Cover

$6,000

Income Protection cover
(per month)

$2,800

Age-based cover amounts

Death cover

$15,000

Total & Permanent Disablement Cover

$6,000

Income Protection cover
(per month)

$2,800

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$6,000

Income Protection cover
(per month)

$2,700

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$5,000

Income Protection cover
(per month)

$2,700

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$5,000

Income Protection cover
(per month)

$2,600

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$5,000

Income Protection cover
(per month)

$2,500

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$0*

Income Protection cover
(per month)

$2,400

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$0*

Income Protection cover
(per month)

$2,300

Age-based cover amounts

Death cover

$9,000

Total & Permanent Disablement Cover

$0*

Income Protection cover
(per month)

$2,200

How much cover do you need?

Our Insurance calculator works out how much cover you’ll need and what it’ll cost, based on your age as well as other personal and financial details.

Go to insurance calculator

How do I cancel my AustralianSuper insurance?

You can cancel your insurance cover through:

  1.  your online account*, or
  2.  complete and submit a Cancel your insurance form  

*This option is not available for Public Sector Division members.

 

Want to know more?

To learn about TPD cover in more detail, download one of the Insurance in your super guides below.

Insurance guide - pdf, 3.2MB

Insurance guide (Public Sector Division) - pdf, 2.8MB

AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450 AFSL 237848.
AustralianSuper insurance for the Public Sector Division is provided by MetLife Insurance Limited ABN 75 004 274 882 AFSL 283 096 (‘MetLife’ or ‘Insurer’).
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