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

This page explains the key features of insurance for AustralianSuper plan members. If you aren’t a member of the AustralianSuper plan, please refer to the Product Disclosure Statement relevant to you.

When you join AustralianSuper plan, you’ll get a basic level of TPD cover once you’re eligible, without providing any health information to the Insurer.  

Your cover is age based, so the amount and cost of it changes as you get older.

You’re eligible if you’re 25 or older; and your super balance reaches $6,000; and you’re receiving employer super contributions (age limits and other conditions apply). The cost is deducted monthly 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 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: $0.15

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.07

Income Protection

Amount (a month): $1,000

Weekly cost: $0.14

Total weekly cost of cover: $0.36
Costs are deducted monthly from your super account.

Age: 16

Death cover

Amount: $20,000

Weekly cost: $0.15

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.07

Income Protection

Amount (a month): $1,000

Weekly cost: $0.14

Total weekly cost of cover: $0.36
Costs are deducted monthly from your super account.

Age: 17

Death cover

Amount: $20,000

Weekly cost: $0.15

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $0.07

Income Protection

Amount (a month): $1,000

Weekly cost: $0.14

Total weekly cost of cover: $0.36
Costs are deducted monthly from your super account.

Age: 18

Death cover

Amount: $50,000

Weekly cost: $0.37

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.15

Income Protection

Amount (a month): $1,500

Weekly cost: $0.21

Total weekly cost of cover: $0.73
Costs are deducted monthly from your super account.

Age: 19

Death cover

Amount: $50,000

Weekly cost: $0.38

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.15

Income Protection

Amount (a month): $1,500

Weekly cost: $0.21

Total weekly cost of cover: $0.74
Costs are deducted monthly from your super account.

Age: 20

Death cover

Amount: $50,000

Weekly cost: $0.38

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.15

Income Protection

Amount (a month): $1,500

Weekly cost: $0.21

Total weekly cost of cover: $0.74
Costs are deducted monthly from your super account.

Age: 21

Death cover

Amount: $50,000

Weekly cost: $0.38

Total & Permanent Disablement cover

Amount: $20,000

Weekly cost: $0.15

Income Protection

Amount (a month): $1,500

Weekly cost: $0.23

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

Age: 22

Death cover

Amount: $100,000

Weekly cost: $0.77

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.30

Income Protection

Amount (a month): $1,900

Weekly cost: $0.36

Total weekly cost of cover: $1.43
Costs are deducted monthly from your super account.

Age: 23

Death cover

Amount: $100,000

Weekly cost: $0.78

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.30

Income Protection

Amount (a month): $1,900

Weekly cost: $0.40

Total weekly cost of cover: $1.48
Costs are deducted monthly from your super account.

Age: 24

Death cover

Amount: $100,000

Weekly cost: $0.79

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $0.30

Income Protection

Amount (a month): $1,900

Weekly cost: $0.46

Total weekly cost of cover: $1.55
Costs are deducted monthly from your super account.

Age: 25

Death cover

Amount: $116,000

Weekly cost: $0.94

Total & Permanent Disablement cover

Amount: $48,000

Weekly cost: $0.33

Income Protection

Amount (a month): $1,900

Weekly cost: $0.48

Total weekly cost of cover: $1.74
Costs are deducted monthly from your super account.

Age: 26

Death cover

Amount: $132,000

Weekly cost: $1.10

Total & Permanent Disablement cover

Amount: $52,000

Weekly cost: $0.37

Income Protection

Amount (a month): $2,000

Weekly cost: $0.56

Total weekly cost of cover: $2.03
Costs are deducted monthly from your super account.

Age: 27

Death cover

Amount: $147,000

Weekly cost: $1.26

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $0.42

Income Protection

Amount (a month): $2,200

Weekly cost: $0.68

Total weekly cost of cover: $2.37
Costs are deducted monthly from your super account.

Age: 28

Death cover

Amount: $161,000

Weekly cost: $1.43

Total & Permanent Disablement cover

Amount: $58,000

Weekly cost: $0.46

Income Protection

Amount (a month): $2,300

Weekly cost: $0.78

Total weekly cost of cover: $2.68
Costs are deducted monthly from your super account.

Age: 29

Death cover

Amount: $175,000

Weekly cost: $1.61

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.54

Income Protection

Amount (a month): $2,400

Weekly cost: $0.89

Total weekly cost of cover: $3.04
Costs are deducted monthly from your super account.

Age: 30

Death cover

Amount: $178,000

Weekly cost: $1.67

Total & Permanent Disablement cover

Amount: $61,000

Weekly cost: $0.59

Income Protection

Amount (a month): $2,500

Weekly cost: $1.05

Total weekly cost of cover: $3.31
Costs are deducted monthly from your super account.

Age: 31

Death cover

Amount: $182,000

Weekly cost: $1.78

Total & Permanent Disablement cover

Amount: $60,000

Weekly cost: $0.64

Income Protection

Amount (a month): $2,600

Weekly cost: $1.20

Total weekly cost of cover: $3.62
Costs are deducted monthly from your super account.

Age: 32

Death cover

Amount: $183,000

Weekly cost: $1.90

Total & Permanent Disablement cover

Amount: $59,000

Weekly cost: $0.70

Income Protection

Amount (a month): $2,700

Weekly cost: $1.38

Total weekly cost of cover: $3.98
Costs are deducted monthly from your super account.

Age: 33

Death cover

Amount: $183,000

Weekly cost: $1.99

Total & Permanent Disablement cover

Amount: $57,000

Weekly cost: $0.76

Income Protection

Amount (a month): $2,800

Weekly cost: $1.57

Total weekly cost of cover: $4.32
Costs are deducted monthly from your super account.

Age: 34

Death cover

Amount: $183,000

Weekly cost: $2.07

Total & Permanent Disablement cover

Amount: $56,000

Weekly cost: $0.83

Income Protection

Amount (a month): $2,900

Weekly cost: $1.77

Total weekly cost of cover: $4.67
Costs are deducted monthly from your super account.

Age: 35

Death cover

Amount: $180,000

Weekly cost: $2.14

Total & Permanent Disablement cover

Amount: $53,000

Weekly cost: $0.87

Income Protection

Amount (a month): $3,000

Weekly cost: $1.98

Total weekly cost of cover: $4.99
Costs are deducted monthly from your super account.

Age: 36

Death cover

Amount: $178,000

Weekly cost: $2.23

Total & Permanent Disablement cover

Amount: $51,000

Weekly cost: $0.93

Income Protection

Amount (a month): $3,000

Weekly cost: $2.13

Total weekly cost of cover: $5.29
Costs are deducted monthly from your super account.

Age: 37

Death cover

Amount: $174,000

Weekly cost: $2.30

Total & Permanent Disablement cover

Amount: $49,000

Weekly cost: $0.99

Income Protection

Amount (a month): $3,000

Weekly cost: $2.28

Total weekly cost of cover: $5.57
Costs are deducted monthly from your super account.

Age: 38

Death cover

Amount: $171,000

Weekly cost: $2.43

Total & Permanent Disablement cover

Amount: $47,000

Weekly cost: $1.06

Income Protection

Amount (a month): $3,100

Weekly cost: $2.54

Total weekly cost of cover: $6.03
Costs are deducted monthly from your super account.

Age: 39

Death cover

Amount: $166,000

Weekly cost: $2.46

Total & Permanent Disablement cover

Amount: $45,000

Weekly cost: $1.13

Income Protection

Amount (a month): $3,100

Weekly cost: $2.70

Total weekly cost of cover: $6.29
Costs are deducted monthly from your super account.

Age: 40

Death cover

Amount: $160,000

Weekly cost: $2.56

Total & Permanent Disablement cover

Amount: $43,000

Weekly cost: $1.20

Income Protection

Amount (a month): $3,100

Weekly cost: $2.91

Total weekly cost of cover: $6.67
Costs are deducted monthly from your super account.

Age: 41

Death cover

Amount: $154,000

Weekly cost: $2.63

Total & Permanent Disablement cover

Amount: $40,000

Weekly cost: $1.24

Income Protection

Amount (a month): $3,100

Weekly cost: $3.10

Total weekly cost of cover: $6.97
Costs are deducted monthly from your super account.

Age: 42

Death cover

Amount: $146,000

Weekly cost: $2.67

Total & Permanent Disablement cover

Amount: $37,000

Weekly cost: $1.28

Income Protection

Amount (a month): $3,100

Weekly cost: $3.35

Total weekly cost of cover: $7.30
Costs are deducted monthly from your super account.

Age: 43

Death cover

Amount: $140,000

Weekly cost: $2.74

Total & Permanent Disablement cover

Amount: $34,000

Weekly cost: $1.31

Income Protection

Amount (a month): $3,100

Weekly cost: $3.57

Total weekly cost of cover: $7.61
Costs are deducted monthly from your super account.

Age: 44

Death cover

Amount: $131,000

Weekly cost: $2.79

Total & Permanent Disablement cover

Amount: $32,000

Weekly cost: $1.36

Income Protection

Amount (a month): $3,100

Weekly cost: $3.84

Total weekly cost of cover: $8.00
Costs are deducted monthly from your super account.

Age: 45

Death cover

Amount: $124,000

Weekly cost: $2.84

Total & Permanent Disablement cover

Amount: $29,000

Weekly cost: $1.37

Income Protection

Amount (a month): $3,100

Weekly cost: $4.12

Total weekly cost of cover: $8.33
Costs are deducted monthly from your super account.

Age: 46

Death cover

Amount: $115,000

Weekly cost: $2.86

Total & Permanent Disablement cover

Amount: $27,000

Weekly cost: $1.42

Income Protection

Amount (a month): $3,100

Weekly cost: $4.43

Total weekly cost of cover: $8.71
Costs are deducted monthly from your super account.

Age: 47

Death cover

Amount: $107,000

Weekly cost: $2.89

Total & Permanent Disablement cover

Amount: $23,000

Weekly cost: $1.35

Income Protection

Amount (a month): $3,000

Weekly cost: $4.59

Total weekly cost of cover: $8.82
Costs are deducted monthly from your super account.

Age: 48

Death cover

Amount: $98,000

Weekly cost: $2.88

Total & Permanent Disablement cover

Amount: $21,000

Weekly cost: $1.36

Income Protection

Amount (a month): $3,000

Weekly cost: $4.86

Total weekly cost of cover: $9.10
Costs are deducted monthly from your super account.

Age: 49

Death cover

Amount: $90,000

Weekly cost: $2.89

Total & Permanent Disablement cover

Amount: $19,000

Weekly cost: $1.37

Income Protection

Amount (a month): $3,000

Weekly cost: $5.22

Total weekly cost of cover: $9.48
Costs are deducted monthly from your super account.

Age: 50

Death cover

Amount: $80,000

Weekly cost: $2.82

Total & Permanent Disablement cover

Amount: $17,000

Weekly cost: $1.37

Income Protection

Amount (a month): $3,000

Weekly cost: $5.61

Total weekly cost of cover: $9.79
Costs are deducted monthly from your super account.

Age: 51

Death cover

Amount: $72,000

Weekly cost: $2.79

Total & Permanent Disablement cover

Amount: $15,000

Weekly cost: $1.34

Income Protection

Amount (a month): $3,000

Weekly cost: $6.00

Total weekly cost of cover: $10.12
Costs are deducted monthly from your super account.

Age: 52

Death cover

Amount: $63,000

Weekly cost: $2.68

Total & Permanent Disablement cover

Amount: $13,000

Weekly cost: $1.29

Income Protection

Amount (a month): $2,900

Weekly cost: $6.18

Total weekly cost of cover: $10.14
Costs are deducted monthly from your super account.

Age: 53

Death cover

Amount: $54,000

Weekly cost: $2.53

Total & Permanent Disablement cover

Amount: $11,000

Weekly cost: $1.22

Income Protection

Amount (a month): $2,900

Weekly cost: $6.61

Total weekly cost of cover: $10.36
Costs are deducted monthly from your super account.

Age: 54

Death cover

Amount: $46,000

Weekly cost: $2.39

Total & Permanent Disablement cover

Amount: $10,000

Weekly cost: $1.25

Income Protection

Amount (a month): $2,900

Weekly cost: $7.08

Total weekly cost of cover: $10.72
Costs are deducted monthly from your super account.

Age: 55

Death cover

Amount: $37,000

Weekly cost: $2.13

Total & Permanent Disablement cover

Amount: $9,000

Weekly cost: $1.28

Income Protection

Amount (a month): $2,800

Weekly cost: $7.31

Total weekly cost of cover: $10.72
Costs are deducted monthly from your super account.

Age: 56

Death cover

Amount: $30,000

Weekly cost: $1.92

Total & Permanent Disablement cover

Amount: $7,000

Weekly cost: $1.14

Income Protection

Amount (a month): $2,800

Weekly cost: $7.78

Total weekly cost of cover: $10.85
Costs are deducted monthly from your super account.

Age: 57

Death cover

Amount: $22,000

Weekly cost: $1.57

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.13

Income Protection

Amount (a month): $2,800

Weekly cost: $8.32

Total weekly cost of cover: $11.01
Costs are deducted monthly from your super account.

Age: 58

Death cover

Amount: $15,000

Weekly cost: $1.20

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.28

Income Protection

Amount (a month): $2,800

Weekly cost: $8.85

Total weekly cost of cover: $11.33
Costs are deducted monthly from your super account.

Age: 59

Death cover

Amount: $9,000

Weekly cost: $0.81

Total & Permanent Disablement cover

Amount: $6,000

Weekly cost: $1.48

Income Protection

Amount (a month): $2,700

Weekly cost: $9.07

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

Age: 60

Death cover

Amount: $9,000

Weekly cost: $0.91

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.30

Income Protection

Amount (a month): $2,700

Weekly cost: $9.69

Total weekly cost of cover: $11.90
Costs are deducted monthly from your super account.

Age: 61

Death cover

Amount: $9,000

Weekly cost: $1.02

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.57

Income Protection

Amount (a month): $2,600

Weekly cost: $9.98

Total weekly cost of cover: $12.58
Costs are deducted monthly from your super account.

Age: 62

Death cover

Amount: $9,000

Weekly cost: $1.16

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $1.86

Income Protection

Amount (a month): $2,600

Weekly cost: $10.61

Total weekly cost of cover: $13.63
Costs are deducted monthly from your super account.

Age: 63

Death cover

Amount: $9,000

Weekly cost: $1.26

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $2.14

Income Protection

Amount (a month): $2,600

Weekly cost: $11.28

Total weekly cost of cover: $14.68
Costs are deducted monthly from your super account.

Age:64

Death cover

Amount: $9,000

Weekly cost: $1.31

Total & Permanent Disablement cover

Amount: $5,000

Weekly cost: $2.45

Income Protection

Amount (a month): $2,500

Weekly cost: $11.58

Total weekly cost of cover: $15.34
Costs are deducted monthly from your super account.

Age:65

Death cover

Amount: $9,000

Weekly cost: $1.36

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,400

Weekly cost: $11.86

Total weekly cost of cover: $13.22
Costs are deducted monthly from your super account.

Age:66

Death cover

Amount: $9,000

Weekly cost: $1.41

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,400

Weekly cost: $12.58

Total weekly cost of cover: $13.99
Costs are deducted monthly from your super account.

Age: 67

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): $2,300

Weekly cost: $12.83

Total weekly cost of cover: $14.30
Costs are deducted monthly from your super account.

Age:68

Death cover

Amount: $9,000

Weekly cost: $1.52

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,200

Weekly cost: $12.41

Total weekly cost of cover: $13.92
Costs are deducted monthly from your super account.

Age: 69

Death cover

Amount: $9,000

Weekly cost: $1.57

Total & Permanent Disablement cover

Amount: n/a

Weekly cost: n/a

Income Protection

Amount (a month): $2,200

Weekly cost: $8.05

Total weekly cost of cover: $9.62
Costs are deducted monthly from your super account.

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. 

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.

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.

learn more

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
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