TPD and Superannuation Insurance
Most Australians have some insurance through their super fund. These claims are separate from workers' compensation and are often overlooked.
Find your super
Use myGov linked to the ATO to see every super account you have, including lost or inactive accounts.
TPD cover
Pays a lump sum if you are unlikely to work again in a job suited to your education, training or experience.
Income protection
Pays a monthly benefit for a set period if you cannot work. It may be reduced by WorkCover payments.
Complaints
If your fund or insurer rejects a claim, you can complain to the Australian Financial Complaints Authority (AFCA) for free.
General information only. Rules change and depend on your circumstances. Check with your regulator or get independent legal, financial or medical advice about your situation.
Related situations
Guides for this topic
What is Total and Permanent Disability (TPD) insurance?
A lump-sum benefit often included in your superannuation — separate from WorkCover.
Read the plain-English guideCan I access income protection through my superannuation?
Income protection inside super, waiting periods, and how it interacts with WorkCover payments.
Read the plain-English guideSupport