Total & Permanent Disablement cover

Life’s unpredictable. We're here to give you the support you need if you’re physically unable to work again.

How Total & Permanent Disablement (TPD) cover works

  • What’s built into your membership

    Most members receive a basic level of TPD cover based on their age and work rating when they join. TPD cover’s also provided automatically, so no health information is needed. TPD is available from 15 – 65, so if it’s not provided automatically, you can still apply for it.

  • When you’ll be protected

    If you’re unable to work due to becoming totally and permanently disabled, TPD cover gives you and your dependants money to live on. It can help pay for things like medical expenses, modifications to your home, or extra support. You can apply for up to $3 million in TPD cover.

  • Important things to know

    • Your basic cover is based on your age, work rating and plan when you join.
    • If you’re aged 15–24 or 60–69 when you join, TPD cover is not provided automatically but will start at age 20 if you haven’t made any changes to your cover. You can still apply for it after joining.
    • Your cover may be limited cover, which means you won’t be covered for any illnesses or injuries that you already had before getting your cover. To learn more, read our Insurance Guide.

How to increase or change your cover

For information about increasing or changing your insurance cover, refer to your relevant insurance plan.

find out more

The cost of TPD cover

The cost of your TPD cover depends on your amount of cover, age, work rating and whether your TPD cover is fixed or unitised cover. These cost of your cover is automatically deducted from your super account.

The easiest way to calculate how much cover you’ll need and what it’ll cost is by using our Insurance calculator.

Go to calculator

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, 3.9MB

Insurance guide (Public Sector Division) - pdf, 3.8MB

Insurance guide (Finsuper Division) - pdf, 3.9MB

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’).

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.

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