How much Total and Permanent Disability (TPD) cover can I have?

Total and Permanent Disability (TPD) cover comes in units of cover, and you can apply to buy additional units up to our maximum levels of cover. These are shown in the table below.

Employment Situation TPD Cover
Full or part-time employee, including self-employed $3 million
Casual employee or unemployed person $1 million

If you have cover over $1 million and you move to casual employment or become unemployed you will be able to keep your current amount of cover but you will not be eligible to make any increases to your cover while you remain in casual employment or are unemployed.

If you want to reduce or personalise your cover it will have to be below the maximum limit of $1 million as this limit will be applied to any changes you make in the future.

You can have different levels of death cover and TPD cover. For example you could have three units of death cover and five units of TPD cover, or maybe eight units of TPD cover and no units of death cover. It’s all down to what suits you and your unique situation.

What conditions are there around increasing my cover?

You can increase your TPD cover at any time, up to the maximum limit of $3 million ($1 million if you are a casual employee or unemployed). However you do need to be aware that if you want to increase your cover above what is known as the automatic acceptance limit, you will need to provide health and other information before we can consider your request for increased cover.

The automatic acceptance limit is age based, and is the higher of the following (but capped at $1 million):

  • Below 40: $600,000 or 12 x your total annual income
  • 40 to 54: $600,000 or 9 x your total annual income 
  • 55 to 59: $300,000 or 6 x your total annual income
  • 60 to 64: $300,000 or 3 x your total annual income.

Regardless of your employment situation you won’t be able to increase your cover if any of the following apply to you:

  • you have made or are entitled to make a claim for a TPD benefit or similar benefit with QSuper or anyone else
  • you have been discharged from your employment as medically unfit, or retired due to illness or injury
  • you have been diagnosed with a terminal illness
  • you were not at work on the date of your application.

You also need to know that if you are applying to increase your cover up to the automatic acceptance limit you will need to provide health and other information if you don’t work for the Queensland Government, or if you work for the Queensland Government and are increasing your cover more than 120 days after starting your job.

Please refer to our Accumulation Account Insurance Guide for further information on terms, conditions and eligibility.

Learn more about QSuper's total and permanent disability cover.