Total & Permanent Disablement insurance through super
Life’s unpredictable. Total & Permanent Disablement (TPD) cover can pay you a lump sum if you become totally and permanently disabled and can’t work anymore. It can help you pay for rehabilitation, any debts you have and the future cost of living.
Cover you get when you join
If you’re 25 or older when you join us, you’ll get a basic level of TPD
cover (depending on the plan or division you join) and you won’t have to give
us any health information.
Your cover is age-based, so the amount and cost of it will change as you get older.
It starts once you’ve turned 25; and when your super balance reaches
$6,000; and you’re receiving employer contributions (age limits and other
conditions apply). The cost is automatically deducted from your super account.
What age-based cover will I get and how much will it cost?
Select your age to see how much cover you could get when you join and the cost of it.
Assumptions
Age-based cover amounts and costs are for members in our AustralianSuper Plan, with a Blue Collar work rating, a 60 day Income Protection waiting period and a two year Income Protection benefit payment period. You should check the Product Disclosure Statement. for your division for full details including how much cover you get when you join and the cost of it.
If you’re a member of AustralianSuper Select details about your cover and the cost are in your employee booklet. Find your employee booklet here.
Tell us your age
Age: 15
Death cover
Amount: $0
Weekly cost: $0
Total & Permanent Disablement cover
Amount: $0
Weekly cost: $0
Income Protection cover
Amount (a month): $0
Weekly cost: $0
Total weekly cost of cover: $0
Costs are deducted from your account monthly.
Age: 16
Death cover
Amount: $0
Weekly cost: $0
Total & Permanent Disablement cover
Amount: $0
Weekly cost: $0
Income Protection cover
Amount (a month): $0
Weekly cost: $0
Total weekly cost of cover: $0
Costs are deducted from your account monthly.
Age: 17
Death cover
Amount: $0
Weekly cost: $0
Total & Permanent Disablement cover
Amount: $0
Weekly cost: $0
Income Protection cover
Amount (a month): $0
Weekly cost: $0
Total weekly cost of cover: $0
Costs are deducted from your account monthly.
Age: 18
Death cover
Amount: $0
Weekly cost: $0
Total & Permanent Disablement cover
Amount: $0
Weekly cost: $0
Income Protection cover
Amount (a month): $0
Weekly cost: $0
Total weekly cost of cover: $0
Costs are deducted from your account monthly.
Age: 19
Death cover
Amount: $0
Weekly cost: $0
Total & Permanent Disablement cover
Amount: $0
Weekly cost: $0
Income Protection cover
Amount (a month): $0
Weekly cost: $0
Total weekly cost of cover: $0
Costs are deducted from your account monthly.
Age: 20
Death cover
Amount: $0
Weekly cost: $0
Total & Permanent Disablement cover
Amount: $0
Weekly cost: $0
Income Protection cover
Amount (a month): $0
Weekly cost: $0
Total weekly cost of cover: $0
Costs are deducted from your account monthly.
Age: 21
Death cover
Amount: $0
Weekly cost: $0
Total & Permanent Disablement cover
Amount: $0
Weekly cost: $0
Income Protection cover
Amount (a month): $0
Weekly cost: $0
Total weekly cost of cover: $0
Costs are deducted from your account monthly.
Age: 22
Death cover
Amount: $0
Weekly cost: $0
Total & Permanent Disablement cover
Amount: $0
Weekly cost: $0
Income Protection cover
Amount (a month): $0
Weekly cost: $0
Total weekly cost of cover: $0
Costs are deducted from your account monthly.
Age: 23
Death cover
Amount: $0
Weekly cost: $0
Total & Permanent Disablement cover
Amount: $0
Weekly cost: $0
Income Protection cover
Amount (a month): $0
Weekly cost: $0
Total weekly cost of cover: $0
Costs are deducted from your account monthly.
Age: 24
Death cover
Amount: $0
Weekly cost: $0
Total & Permanent Disablement cover
Amount: $0
Weekly cost: $0
Income Protection cover
Amount (a month): $0
Weekly cost: $0
Total weekly cost of cover: $0
Costs are deducted from your account monthly.
Age: 25
Death cover
Amount: $116,000
Weekly cost: $1.09
Total & Permanent Disablement cover
Amount: $48,000
Weekly cost: $0.37
Income Protection cover
Amount (a month): $1,900
Weekly cost: $0.55
Total weekly cost of cover: $2.02
Costs are deducted from your account monthly.
Age: 26
Death cover
Amount: $132,000
Weekly cost: $1.27
Total & Permanent Disablement cover
Amount: $52,000
Weekly cost: $0.43
Income Protection cover
Amount (a month): $2,000
Weekly cost: $0.64
Total weekly cost of cover: $2.33
Costs are deducted from your account monthly.
Age: 27
Death cover
Amount: $147,000
Weekly cost: $1.47
Total & Permanent Disablement cover
Amount: $56,000
Weekly cost: $0.48
Income Protection cover
Amount (a month): $2,200
Weekly cost: $0.77
Total weekly cost of cover: $2.72
Costs are deducted from your account monthly.
Age: 28
Death cover
Amount: $161,000
Weekly cost: $1.66
Total & Permanent Disablement cover
Amount: $58,000
Weekly cost: $0.53
Income Protection cover
Amount (a month): $2,300
Weekly cost: $0.90
Total weekly cost of cover: $3.08
Costs are deducted from your account monthly.
Age: 29
Death cover
Amount: $175,000
Weekly cost: $1.87
Total & Permanent Disablement cover
Amount: $61,000
Weekly cost: $0.62
Income Protection cover
Amount (a month): $2,400
Weekly cost: $1.01
Total weekly cost of cover: $3.50
Costs are deducted from your account monthly.
Age: 30
Death cover
Amount: $178,000
Weekly cost: $1.94
Total & Permanent Disablement cover
Amount: $61,000
Weekly cost: $0.68
Income Protection cover
Amount (a month): $2,500
Weekly cost: $1.20
Total weekly cost of cover: $3.82
Costs are deducted from your account monthly.
Age: 31
Death cover
Amount: $182,000
Weekly cost: $2.07
Total & Permanent Disablement cover
Amount: $60,000
Weekly cost: $0.73
Income Protection cover
Amount (a month): $2,600
Weekly cost: $1.38
Total weekly cost of cover: $4.18
Costs are deducted from your account monthly.
Age: 32
Death cover
Amount: $183,000
Weekly cost: $2.20
Total & Permanent Disablement cover
Amount: $59,000
Weekly cost: $0.80
Income Protection cover
Amount (a month): $2,700
Weekly cost: $1.57
Total weekly cost of cover: $4.56
Costs are deducted from your account monthly.
Age: 33
Death cover
Amount: $183,000
Weekly cost: $2.31
Total & Permanent Disablement cover
Amount: $57,000
Weekly cost: $0.87
Income Protection cover
Amount (a month): $2,800
Weekly cost: $1.79
Total weekly cost of cover: $4.96
Costs are deducted from your account monthly.
Age: 34
Death cover
Amount: $183,000
Weekly cost: $2.40
Total & Permanent Disablement cover
Amount: $56,000
Weekly cost: $0.95
Income Protection cover
Amount (a month): $2,900
Weekly cost: $2.03
Total weekly cost of cover: $5.37
Costs are deducted from your account monthly.
Age: 35
Death cover
Amount: $180,000
Weekly cost: $2.48
Total & Permanent Disablement cover
Amount: $53,000
Weekly cost: $0.99
Income Protection cover
Amount (a month): $3,000
Weekly cost: $2.28
Total weekly cost of cover: $5.76
Costs are deducted from your account monthly.
Age: 36
Death cover
Amount: $178,000
Weekly cost: $2.58
Total & Permanent Disablement cover
Amount: $51,000
Weekly cost: $1.07
Income Protection cover
Amount (a month): $3,000
Weekly cost: $2.43
Total weekly cost of cover: $6.08
Costs are deducted from your account monthly.
Age: 37
Death cover
Amount: $174,000
Weekly cost: $2.66
Total & Permanent Disablement cover
Amount: $49,000
Weekly cost: $1.13
Income Protection cover
Amount (a month): $3,000
Weekly cost: $2.61
Total weekly cost of cover: $6.40
Costs are deducted from your account monthly.
Age: 38
Death cover
Amount: $171,000
Weekly cost: $2.80
Total & Permanent Disablement cover
Amount: $47,000
Weekly cost: $1.21
Income Protection cover
Amount (a month): $3,100
Weekly cost: $2.91
Total weekly cost of cover: $6.93
Costs are deducted from your account monthly.
Age: 39
Death cover
Amount: $166,000
Weekly cost: $2.86
Total & Permanent Disablement cover
Amount: $45,000
Weekly cost: $1.29
Income Protection cover
Amount (a month): $3,100
Weekly cost: $3.10
Total weekly cost of cover: $7.25
Costs are deducted from your account monthly.
Age: 40
Death cover
Amount: $160,000
Weekly cost: $2.96
Total & Permanent Disablement cover
Amount: $43,000
Weekly cost: $1.37
Income Protection cover
Amount (a month): $3,100
Weekly cost: $3.35
Total weekly cost of cover: $7.68
Costs are deducted from your account monthly.
Age: 41
Death cover
Amount: $154,000
Weekly cost: $3.05
Total & Permanent Disablement cover
Amount: $40,000
Weekly cost: $1.41
Income Protection cover
Amount (a month): $3,100
Weekly cost: $3.57
Total weekly cost of cover: $8.03
Costs are deducted from your account monthly.
Age: 42
Death cover
Amount: $146,000
Weekly cost: $3.10
Total & Permanent Disablement cover
Amount: $37,000
Weekly cost: $1.45
Income Protection cover
Amount (a month): $3,100
Weekly cost: $3.84
Total weekly cost of cover: $8.39
Costs are deducted from your account monthly.
Age: 43
Death cover
Amount: $140,000
Weekly cost: $3.18
Total & Permanent Disablement cover
Amount: $34,000
Weekly cost: $1.49
Income Protection cover
Amount (a month): $3,100
Weekly cost: $4.09
Total weekly cost of cover: $8.76
Costs are deducted from your account monthly.
Age: 44
Death cover
Amount: $131,000
Weekly cost: $3.24
Total & Permanent Disablement cover
Amount: $32,000
Weekly cost: $1.56
Income Protection cover
Amount (a month): $3,100
Weekly cost: $4.40
Total weekly cost of cover: $9.19
Costs are deducted from your account monthly.
Age: 45
Death cover
Amount: $124,000
Weekly cost: $3.29
Total & Permanent Disablement cover
Amount: $29,000
Weekly cost: $1.56
Income Protection cover
Amount (a month): $3,100
Weekly cost: $4.71
Total weekly cost of cover: $9.56
Costs are deducted from your account monthly.
Age: 46
Death cover
Amount: $115,000
Weekly cost: $3.31
Total & Permanent Disablement cover
Amount: $27,000
Weekly cost: $1.62
Income Protection cover
Amount (a month): $3,100
Weekly cost: $5.08
Total weekly cost of cover: $10.01
Costs are deducted from your account monthly.
Age: 47
Death cover
Amount: $107,000
Weekly cost: $3.35
Total & Permanent Disablement cover
Amount: $23,000
Weekly cost: $1.53
Income Protection cover
Amount (a month): $3,000
Weekly cost: $5.25
Total weekly cost of cover: $10.13
Costs are deducted from your account monthly.
Age: 48
Death cover
Amount: $98,000
Weekly cost: $3.34
Total & Permanent Disablement cover
Amount: $21,000
Weekly cost: $1.55
Income Protection cover
Amount (a month): $3,000
Weekly cost: $5.58
Total weekly cost of cover: $10.48
Costs are deducted from your account monthly.
Age: 49
Death cover
Amount: $90,000
Weekly cost: $3.35
Total & Permanent Disablement cover
Amount: $19,000
Weekly cost: $1.56
Income Protection cover
Amount (a month): $3,000
Weekly cost: $6.00
Total weekly cost of cover: $10.91
Costs are deducted from your account monthly.
Age: 50
Death cover
Amount: $80,000
Weekly cost: $3.26
Total & Permanent Disablement cover
Amount: $17,000
Weekly cost: $1.56
Income Protection cover
Amount (a month): $3,000
Weekly cost: $6.42
Total weekly cost of cover: $11.24
Costs are deducted from your account monthly.
Age: 51
Death cover
Amount: $72,000
Weekly cost: $3.38
Total & Permanent Disablement cover
Amount: $15,000
Weekly cost: $1.52
Income Protection cover
Amount (a month): $3,000
Weekly cost: $6.87
Total weekly cost of cover: $11.62
Costs are deducted from your account monthly.
Age: 52
Death cover
Amount: $63,000
Weekly cost: $3.10
Total & Permanent Disablement cover
Amount: $13,000
Weekly cost: $1.47
Income Protection cover
Amount (a month): $2,900
Weekly cost: $7.08
Total weekly cost of cover: $11.64
Costs are deducted from your account monthly.
Age: 53
Death cover
Amount: $54,000
Weekly cost: $2.94
Total & Permanent Disablement cover
Amount: $11,000
Weekly cost: $1.39
Income Protection cover
Amount (a month): $2,900
Weekly cost: $7.57
Total weekly cost of cover: $11.90
Costs are deducted from your account monthly.
Age: 54
Death cover
Amount: $46,000
Weekly cost: $2.77
Total & Permanent Disablement cover
Amount: $10,000
Weekly cost: $1.43
Income Protection cover
Amount (a month): $2,900
Weekly cost: $8.12
Total weekly cost of cover: $12.32
Costs are deducted from your account monthly.
Age: 55
Death cover
Amount: $37,000
Weekly cost: $2.47
Total & Permanent Disablement cover
Amount: $9,000
Weekly cost: $1.46
Income Protection cover
Amount (a month): $2,800
Weekly cost: $8.37
Total weekly cost of cover: $12.30
Costs are deducted from your account monthly.
Age: 56
Death cover
Amount: $30,000
Weekly cost: $2.23
Total & Permanent Disablement cover
Amount: $7,000
Weekly cost: $1.30
Income Protection cover
Amount (a month): $2,800
Weekly cost: $8.93
Total weekly cost of cover: $12.46
Costs are deducted from your account monthly.
Age: 57
Death cover
Amount: $22,000
Weekly cost: $1.82
Total & Permanent Disablement cover
Amount: $6,000
Weekly cost: $1.28
Income Protection cover
Amount (a month): $2,800
Weekly cost: $9.52
Total weekly cost of cover: $12.63
Costs are deducted from your account monthly.
Age: 58
Death cover
Amount: $15,000
Weekly cost: $1.39
Total & Permanent Disablement cover
Amount: $6,000
Weekly cost: $1.46
Income Protection cover
Amount (a month): $2,800
Weekly cost: $10.14
Total weekly cost of cover: $12.99
Costs are deducted from your account monthly.
Age: 59
Death cover
Amount: $9,000
Weekly cost: $0.94
Total & Permanent Disablement cover
Amount: $6,000
Weekly cost: $1.69
Income Protection cover
Amount (a month): $2,700
Weekly cost: $10.40
Total weekly cost of cover: $13.02
Costs are deducted from your account monthly.
Age: 60
Death cover
Amount: $9,000
Weekly cost: $1.05
Total & Permanent Disablement cover
Amount: $5,000
Weekly cost: $1.48
Income Protection cover
Amount (a month): $2,700
Weekly cost: $11.12
Total weekly cost of cover: $13.65
Costs are deducted from your account monthly.
Age: 61
Death cover
Amount: $9,000
Weekly cost: $1.19
Total & Permanent Disablement cover
Amount: $5,000
Weekly cost: $1.79
Income Protection cover
Amount (a month): $2,600
Weekly cost: $11.44
Total weekly cost of cover: $14.42
Costs are deducted from your account monthly.
Age: 62
Death cover
Amount: $9,000
Weekly cost: $1.34
Total & Permanent Disablement cover
Amount: $5,000
Weekly cost: $2.12
Income Protection cover
Amount (a month): $2,600
Weekly cost: $12.17
Total weekly cost of cover: $15.63
Costs are deducted from your account monthly.
Age: 63
Death cover
Amount: $9,000
Weekly cost: $1.46
Total & Permanent Disablement cover
Amount: $5,000
Weekly cost: $2.44
Income Protection cover
Amount (a month): $2,600
Weekly cost: $12.95
Total weekly cost of cover: $16.85
Costs are deducted from your account monthly.
Age:64
Death cover
Amount: $9,000
Weekly cost: $1.52
Total & Permanent Disablement cover
Amount: $5,000
Weekly cost: $2.79
Income Protection cover
Amount (a month): $2,500
Weekly cost: $13.28
Total weekly cost of cover: $17.59
Costs are deducted from your account monthly.
Age:65
Death cover
Amount: $9,000
Weekly cost: $1.58
Total & Permanent Disablement cover
Amount: n/a
Weekly cost: n/a
Income Protection cover
Amount (a month): $2,400
Weekly cost: $13.58
Total weekly cost of cover: $15.16
Costs are deducted from your account monthly.
Age:66
Death cover
Amount: $9,000
Weekly cost: $1.64
Total & Permanent Disablement cover
Amount: n/a
Weekly cost: n/a
Income Protection cover
Amount (a month): $2,400
Weekly cost: $14.42
Total weekly cost of cover: $16.06
Costs are deducted from your account monthly.
Age: 67
Death cover
Amount: $9,000
Weekly cost: $1.70
Total & Permanent Disablement cover
Amount: n/a
Weekly cost: n/a
Income Protection cover
Amount (a month): $2,300
Weekly cost: $14.72
Total weekly cost of cover: $16.42
Costs are deducted from your account monthly.
Age:68
Death cover
Amount: $9,000
Weekly cost: $1.76
Total & Permanent Disablement cover
Amount: n/a
Weekly cost: n/a
Income Protection cover
Amount (a month): $2,200
Weekly cost: $14.23
Total weekly cost of cover: $15.99
Costs are deducted from your account monthly.
Age: 69
Death cover
Amount: $9,000
Weekly cost: $1.82
Total & Permanent Disablement cover
Amount: n/a
Weekly cost: n/a
Income Protection cover
Amount (a month): $2,200
Weekly cost: $9.24
Total weekly cost of cover: $11.06
Costs are deducted from your account monthly.
A few more things
How much your TPD cover costs depends on your age, the amount of cover you have and your individual work rating*.
With TPD cover you’re also covered for terminal illness.
TPD cover is available for ages 15 to 65. If you think the basic cover you’re automatically provided with is not the right amount to suit your needs you can apply for fixed or extra (fixed) cover, apply to change your cover amount or cancel your cover anytime. The maximum amount you can apply for is $3 million.
* If you’re a Public Sector Division member, you only have an Income Protection work rating.
Want to know more?
You can find out more about TPD cover through AustralianSuper by reading our Insurance in your super guide. You’ll find details about your insurance options including cover designs, work ratings, changing or cancelling your cover, standard exclusions and information about nominating your beneficiaries.
AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450 AFSL 237848.
Do you have insurance already?
You may already have cover with another super fund, or life insurance you’ve taken out, or your employment EBA includes cover your employer pays for.
If you already have insurance and you’re thinking about transferring it to AustralianSuper, there’s a few things you need to think about before you do.
