Total & Permanent Disability Insurance through Super

Life’s unpredictable. Total & Permanent (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.

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: $1.25

Total & Permanent Disablement cover

Amount: $48,000

Weekly cost: $0.41

Income Protection cover

Amount (a month): $1,900

Weekly cost: $0.67

Total weekly cost of cover: $2.33
Costs are deducted from your account monthly.

Age: 26

Death cover

Amount: $132,000

Weekly cost: $1.45

Total & Permanent Disablement cover

Amount: $52,000

Weekly cost: $0.47

Income Protection cover

Amount (a month): $2,000

Weekly cost: $0.78

Total weekly cost of cover: $2.71
Costs are deducted from your account monthly.

Age: 27

Death cover

Amount: $147,000

Weekly cost: $1.68

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $0.53

Income Protection cover

Amount (a month): $2,200

Weekly cost: $0.92

Total weekly cost of cover: $3.13
Costs are deducted from your account monthly.

Age: 28

Death cover

Amount: $161,000

Weekly cost: $1.88

Total & Permanent Disablement cover

Amount: $58,000

Weekly cost: $0.59

Income Protection cover

Amount (a month): $2,300

Weekly cost: $1.08

Total weekly cost of cover: $3.55
Costs are deducted from your account monthly.

Age: 29

Death cover

Amount: $175,000

Weekly cost: $2.14

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.69

Income Protection cover

Amount (a month): $2,400

Weekly cost: $1.22

Total weekly cost of cover: $4.05
Costs are deducted from your account monthly.

Age: 30

Death cover

Amount: $178,000

Weekly cost: $2.23

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.74

Income Protection cover

Amount (a month): $2,500

Weekly cost: $1.43

Total weekly cost of cover: $4.39
Costs are deducted from your account monthly.

Age: 31

Death cover

Amount: $182,000

Weekly cost: $2.37

Total & Permanent Disablement cover

Amount: $60,000

Weekly cost: $0.80

Income Protection cover

Amount (a month): $2,600

Weekly cost: $1.64

Total weekly cost of cover: $4.81
Costs are deducted from your account monthly.

Age: 32

Death cover

Amount: $183,000

Weekly cost: $2.51

Total & Permanent Disablement cover

Amount: $59,000

Weekly cost: $0.89

Income Protection cover

Amount (a month): $2,700

Weekly cost: $1.86

Total weekly cost of cover: $5.26
Costs are deducted from your account monthly.

Age: 33

Death cover

Amount: $183,000

Weekly cost: $2.62

Total & Permanent Disablement cover

Amount: $57,000

Weekly cost: $0.95

Income Protection cover

Amount (a month): $2,800

Weekly cost: $2.13

Total weekly cost of cover: $5.70
Costs are deducted from your account monthly.

Age: 34

Death cover

Amount: $183,000

Weekly cost: $2.73

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $1.04

Income Protection cover

Amount (a month): $2,900

Weekly cost: $2.38

Total weekly cost of cover: $6.14
Costs are deducted from your account monthly.

Age: 35

Death cover

Amount: $180,000

Weekly cost: $2.83

Total & Permanent Disablement cover

Amount: $53,000

Weekly cost: $1.09

Income Protection cover

Amount (a month): $3,000

Weekly cost: $2.67

Total weekly cost of cover: $6.58
Costs are deducted from your account monthly.

Age: 36

Death cover

Amount: $178,000

Weekly cost: $2.94

Total & Permanent Disablement cover

Amount: $51,000

Weekly cost: $1.17

Income Protection cover

Amount (a month): $3,000

Weekly cost: $2.85

Total weekly cost of cover: $6.95
Costs are deducted from your account monthly.

Age: 37

Death cover

Amount: $174,000

Weekly cost: $3.03

Total & Permanent Disablement cover

Amount: $49,000

Weekly cost: $1.24

Income Protection cover

Amount (a month): $3,000

Weekly cost: $3.06

Total weekly cost of cover: $7.33
Costs are deducted from your account monthly.

Age: 38

Death cover

Amount: $171,000

Weekly cost: $3.18

Total & Permanent Disablement cover

Amount: $47,000

Weekly cost: $1.32

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.38

Total weekly cost of cover: $7.88
Costs are deducted from your account monthly.

Age: 39

Death cover

Amount: $166,000

Weekly cost: $3.25

Total & Permanent Disablement cover

Amount: $45,000

Weekly cost: $1.41

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.63

Total weekly cost of cover: $8.29
Costs are deducted from your account monthly.

Age: 40

Death cover

Amount: $160,000

Weekly cost: $3.36

Total & Permanent Disablement cover

Amount: $43,000

Weekly cost: $1.49

Income Protection cover

Amount (a month): $3,100

Weekly cost: $3.91

Total weekly cost of cover: $8.76
Costs are deducted from your account monthly.

Age: 41

Death cover

Amount: $154,000

Weekly cost: $3.45

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $1.54

Income Protection cover

Amount (a month): $3,100

Weekly cost: $4.15

Total weekly cost of cover: $9.14
Costs are deducted from your account monthly.

Age: 42

Death cover

Amount: $146,000

Weekly cost: $3.50

Total & Permanent Disablement cover

Amount: $37,000

Weekly cost: $1.58

Income Protection cover

Amount (a month): $3,100

Weekly cost: $4.46

Total weekly cost of cover: $9.55
Costs are deducted from your account monthly.

Age: 43

Death cover

Amount: $140,000

Weekly cost: $3.60

Total & Permanent Disablement cover

Amount: $34,000

Weekly cost: $1.62

Income Protection cover

Amount (a month): $3,100

Weekly cost: $4.77

Total weekly cost of cover: $9.99
Costs are deducted from your account monthly.

Age: 44

Death cover

Amount: $131,000

Weekly cost: $3.65

Total & Permanent Disablement cover

Amount: $32,000

Weekly cost: $1.69

Income Protection cover

Amount (a month): $3,100

Weekly cost: $5.12

Total weekly cost of cover: $10.46
Costs are deducted from your account monthly.

Age: 45

Death cover

Amount: $124,000

Weekly cost: $3.72

Total & Permanent Disablement cover

Amount: $29,000

Weekly cost: $1.70

Income Protection cover

Amount (a month): $3,100

Weekly cost: $5.49

Total weekly cost of cover: $10.90
Costs are deducted from your account monthly.

Age: 46

Death cover

Amount: $115,000

Weekly cost: $3.74

Total & Permanent Disablement cover

Amount: $27,000

Weekly cost: $1.76

Income Protection cover

Amount (a month): $3,100

Weekly cost: $5.89

Total weekly cost of cover: $11.39
Costs are deducted from your account monthly.

Age: 47

Death cover

Amount: $107,000

Weekly cost: $3.78

Total & Permanent Disablement cover

Amount: $23,000

Weekly cost: $1.67

Income Protection cover

Amount (a month): $3,000

Weekly cost: $6.09

Total weekly cost of cover: $11.53
Costs are deducted from your account monthly.

Age: 48

Death cover

Amount: $98,000

Weekly cost: $3.76

Total & Permanent Disablement cover

Amount: $21,000

Weekly cost: $1.69

Income Protection cover

Amount (a month): $3,000

Weekly cost: $6.45

Total weekly cost of cover: $10.52
Costs are deducted from your account monthly.

Age: 49

Death cover

Amount: $90,000

Weekly cost: $3.78

Total & Permanent Disablement cover

Amount: $19,000

Weekly cost: $1.70

Income Protection cover

Amount (a month): $3,000

Weekly cost: $6.96

Total weekly cost of cover: $12.44
Costs are deducted from your account monthly.

Age: 50

Death cover

Amount: $80,000

Weekly cost: $3.68

Total & Permanent Disablement cover

Amount: $17,000

Weekly cost: $1.69

Income Protection cover

Amount (a month): $3,000

Weekly cost: $7.41

Total weekly cost of cover: $12.78
Costs are deducted from your account monthly.

Age: 51

Death cover

Amount: $72,000

Weekly cost: $3.63

Total & Permanent Disablement cover

Amount: $15,000

Weekly cost: $1.65

Income Protection cover

Amount (a month): $3,000

Weekly cost: $7.92

Total weekly cost of cover: $13.20
Costs are deducted from your account monthly.

Age: 52

Death cover

Amount: $63,000

Weekly cost: $3.50

Total & Permanent Disablement cover

Amount: $13,000

Weekly cost: $1.59

Income Protection cover

Amount (a month): $2,900

Weekly cost: $8.18

Total weekly cost of cover: $13.27
Costs are deducted from your account monthly.

Age: 53

Death cover

Amount: $54,000

Weekly cost: $3.31

Total & Permanent Disablement cover

Amount: $11,000

Weekly cost: $1.51

Income Protection cover

Amount (a month): $2,900

Weekly cost: $8.73

Total weekly cost of cover: $13.55
Costs are deducted from your account monthly.

Age: 54

Death cover

Amount: $46,000

Weekly cost: $3.12

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $1.55

Income Protection cover

Amount (a month): $2,900

Weekly cost: $9.37

Total weekly cost of cover: $14.04
Costs are deducted from your account monthly.

Age: 55

Death cover

Amount: $37,000

Weekly cost: $2.78

Total & Permanent Disablement cover

Amount: $9,000

Weekly cost: $1.59

Income Protection cover

Amount (a month): $2,800

Weekly cost: $9.63

Total weekly cost of cover: $14.00
Costs are deducted from your account monthly.

Age: 56

Death cover

Amount: $30,000

Weekly cost: $2.51

Total & Permanent Disablement cover

Amount: $7,000

Weekly cost: $1.42

Income Protection cover

Amount (a month): $2,800

Weekly cost: $10.28

Total weekly cost of cover: $14.20
Costs are deducted from your account monthly.

Age: 57

Death cover

Amount: $22,000

Weekly cost: $2.05

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.39

Income Protection cover

Amount (a month): $2,800

Weekly cost: $10.98

Total weekly cost of cover: $12.38
Costs are deducted from your account monthly.

Age: 58

Death cover

Amount: $15,000

Weekly cost: $1.56

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.59

Income Protection cover

Amount (a month): $2,800

Weekly cost: $11.68

Total weekly cost of cover: $14.83
Costs are deducted from your account monthly.

Age: 59

Death cover

Amount: $9,000

Weekly cost: $1.05

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.83

Income Protection cover

Amount (a month): $2,700

Weekly cost: $11.99

Total weekly cost of cover: $14.87
Costs are deducted from your account monthly.

Age: 60

Death cover

Amount: $9,000

Weekly cost: $1.18

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.61

Income Protection cover

Amount (a month): $2,700

Weekly cost: $12.80

Total weekly cost of cover: $15.58
Costs are deducted from your account monthly.

Age: 61

Death cover

Amount: $9,000

Weekly cost: $1.33

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.94

Income Protection cover

Amount (a month): $2,600

Weekly cost: $13.16

Total weekly cost of cover: $16.43
Costs are deducted from your account monthly.

Age: 62

Death cover

Amount: $9,000

Weekly cost: $1.50

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $2.30

Income Protection cover

Amount (a month): $2,600

Weekly cost: $14.01

Total weekly cost of cover: $17.82
Costs are deducted from your account monthly.

Age: 63

Death cover

Amount: $9,000

Weekly cost: $1.64

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $2.64

Income Protection cover

Amount (a month): $2,600

Weekly cost: $14.90

Total weekly cost of cover: $19.18
Costs are deducted from your account monthly.

Age:64

Death cover

Amount: $9,000

Weekly cost: $1.71

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $3.03

Income Protection cover

Amount (a month): $2,500

Weekly cost: $15.28

Total weekly cost of cover: $20.01
Costs are deducted from your account monthly.

Age:65

Death cover

Amount: $9,000

Weekly cost: $1.78

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,400

Weekly cost: $15.62

Total weekly cost of cover: $17.40
Costs are deducted from your account monthly.

Age:66

Death cover

Amount: $9,000

Weekly cost: $1.84

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,400

Weekly cost: $16.58

Total weekly cost of cover: $18.42
Costs are deducted from your account monthly.

Age: 67

Death cover

Amount: $9,000

Weekly cost: $1.91

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,300

Weekly cost: $16.91

Total weekly cost of cover: $18.81
Costs are deducted from your account monthly.

Age:68

Death cover

Amount: $9,000

Weekly cost: $1.97

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,200

Weekly cost: $16.37

Total weekly cost of cover: $18.34
Costs are deducted from your account monthly.

Age: 69

Death cover

Amount: $9,000

Weekly cost: $2.04

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection cover

Amount (a month): $2,200

Weekly cost: $10.65

Total weekly cost of cover: $12.69
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.

LEARN MORE

AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450 AFSL 237848.

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.

Learn more

Change your cover

Our insurance options are flexible and you can adjust your cover as your life changes. 

Learn more

How do I cancel my AustralianSuper insurance?

You can use the AustralianSuper app, log into your account or submit the Cancel your insurance form.

Cancel my insurance
Back to top