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Financial security when you need it most
Total and permanent disability (TPD) insurance pays you a lump sum if you are unlikely to ever be able to work again due to illness or injury. This may help you to take care of yourself and your loved ones, as well as help with any ongoing medical costs.
You may have TPD cover included with your QSuper account if you are aged between 25 and 64 and are otherwise eligible.1 You can check your current level of cover in Member Online.
If you're eligible for automatic cover, your level of cover depends on your age and employment arrangements.
We don't require any personal medical history before providing you with automatic cover (if eligible), so you can avoid the hassle of time-consuming health checks.2
The cost of your TPD cover is paid directly from your super account, not your take-home pay. This means that the cost won't impact your day-to-day budget. But it may mean you'll have less for retirement.
How much you pay for TPD cover will depend on your age, the type and amount of cover you hold, and how you've personalised it.
Log in to Member Online to see how much TPD cover you have included with your QSuper account. If you don't have cover, you can apply online.
QSuper insurance is designed to be flexible. After you join, you can change your TPD cover by:
You can change your cover by logging into Member Online.
It's important to look at how much money you might need if you were unable to work again. If you choose to personalise your cover, consider the cost of taking care of your loved ones, out-of-pocket medical expenses, home or transport modifications, and any ongoing financial needs.
Use our Insurance Needs Calculator to better understand how much cover you might need.
The real value of TPD insurance is that you and your loved ones are financially supported if you're unable to work. We aim to make the claims process as simple as possible.
TPD cover is designed to pay a lump sum if you suffer an illness or injury that means you're unlikely to ever be able to work again. To get a payment, you'll need to meet the definition of total and permanent disablement. You'll find this in the QSuper Insurance Guide (pdf).
You may automatically receive unitised TPD cover when you join us through an employer, depending on your age, account balance, and eligibility. If you join online, you can choose to receive unitised TPD cover if eligible.
With unitised cover, how much you are insured for is based on multiple 'units' of cover. Each unit is worth a dollar value based on your age.
You can see your level of cover in Member Online.
Fixed cover is based on a fixed dollar amount that you pick and it remains unchanged until you tell us you want to change it. You can buy fixed cover in multiples of $1,000 of cover, with the cost based on your age.
From age 60, your TPD cover amount will go down every year from your 61st birthday, reaching zero on your 65th birthday.
Find out more in the QSuper Insurance Guide (pdf).
For more information about the insurance cover provided through QSuper, see our other Insurance FAQs, or download our QSuper Insurance Guide (pdf).
It's easy to check how much insurance you have and make any changes, in Member Online.
1. Queensland emergency services workers get cover immediately, starting from age 16 onwards. They don't have to wait until age 25 and over. TPD ends at age 60 if you work for the Queensland Police Service as a police officer.
2. Up to the automatic acceptance limit.