Total and permanent disability (TPD) insurance pays you a lump sum if you are unable to work again due to illness or injury. This allows you to take care of yourself and your loved ones, as well as cover any ongoing medical costs.

TPD cover when you join

Have peace of mind, knowing you are supported

You will have TPD cover included with your QSuper account if you are aged between 16 and 64 and are otherwise eligible.1 You can check your current level of cover in Member Online.

How much you're insured for

When you first join QSuper, we will let you know how much you're insured for. Your level of cover depends on your age, employment arrangements, and how you joined us.

No health checks

If you join QSuper online, we will give you the option to receive default TPD cover. We don't require any personal medical history which means that you can avoid the hassle of time consuming health checks.2

Paid directly from your super

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, giving you more financial freedom.

Cost of QSuper TPD cover

How much you pay for TPD cover will depend on your age and employment arrangements.


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Check your current level of cover

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.

View cover

What else to consider

Personalise your cover

QSuper insurance is designed to be flexible. After you join, you can tailor your TPD cover by choosing to apply for fixed or unitised cover, increasing or decreasing your level of cover, cancelling or permanently opting in to cover, or changing how much you pay to reflect your job. You can change your cover by logging into Member Online.

Change cover

How much cover you need

It's important to look at how much money you might need if you are unable to work again. If you choose to tailor 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 get an understanding of how much cover you might need.

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Make a TPD claim

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.

Make a claim

Total and permanent disability cover FAQs Show all Hide all

Generally speaking, for most working people, total and permanent disablement means you're unable to ever work again in a job given your education, training or experience. However, the actual definition may differ depending on your personal circumstances and we've explained this further in the Accumulation Account Insurance Guide (pdf).
You can apply for TPD cover up to a maximum level of $3 million for a full or part-time employee, including self-employed, and $1 million for a casual employee or unemployed person. Read the Accumulation Account Insurance Guide (pdf) for more information.

 

You will automatically receive unitised TPD cover when you join QSuper through an employer. If you join online, you can choose to take out unitised TPD cover. 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 nominated by you and will remain 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.

Based on your fixed cover amount at age 60, the amount of TPD cover you have will reduce every year from your 61st birthday, and will be cancelled when you turn 65. For more information about fixed cover, refer to the Accumulation Account Insurance Guide (pdf).

For more information

For more information about the insurance cover provided through QSuper, see our other Insurance FAQs or read the Accumulation Account Insurance Guide (pdf).