What is Total and Permanent Disability (TPD) insurance?
A lump-sum benefit often included in your superannuation — separate from WorkCover.
Last reviewed
In one sentence
Many Australians have TPD cover in their super without knowing it — and it is a separate claim from workers' compensation.
What this means
TPD insurance pays a lump sum if you are unlikely to ever work again in a job you are suited to by education, training or experience. Many super funds include it automatically.
A TPD claim is made through your super fund and its insurer. It is generally separate from workers' compensation, so you may be able to claim both.
You may have cover in more than one fund, including old or inactive accounts. Each policy has its own definitions and time limits.
Things to know
- Check every super account you have ever had — including old ones.
- Look for the policy definition of 'TPD' — it varies between funds.
- Time limits apply, but many are longer than people expect.
- Disputes can go to the Australian Financial Complaints Authority (AFCA) for free.
Common questions
How do I find my super accounts?
Log in to myGov and link the ATO — it lists all your super accounts, including lost super.
Does a WorkCover payout reduce TPD?
Usually not, but it depends on the policy. Some policies have offsets. Check the policy or get advice.
Is a lawyer needed?
Not always, but TPD claims can be complex. Many TPD lawyers offer no-win-no-fee arrangements — ask about all costs in writing.
What you can do next
- 1Log in to myGov and check all your super accounts.
- 2Request the insurance policy documents from each fund.
- 3Ask your doctors whether you are likely to return to work.
- 4Contact AFCA (1800 931 678) if a fund refuses your claim.
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.