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.

TPD cover when you join

Have peace of mind, knowing you are supported

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.

How much you're insured for

If you're eligible for automatic cover, your level of cover depends on your age and employment arrangements.

No health checks

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

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. But it may mean you'll have less for retirement.

Cost of QSuper TPD cover

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.


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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 change 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
  • Changing how much you pay to reflect your job by applying an occupational rating.

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 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.

Calculate now

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 (TPD) cover FAQs Show all Hide all

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 might have TPD cover included with your QSuper account, depending on your employment arrangements, your age, and your account balance. Find out more or check your current level of cover in Member Online.
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 QSuper Insurance Guide (pdf) for more information.

 

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

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