One of the first questions people ask is what a "typical" TPD payout looks like. Averages can be misleading, but they're a useful starting point — just remember your own cover is what really determines your benefit.
What the figures suggest
Industry and regulator data indicate the median TPD benefit paid through super sits roughly in the $150,000–$200,000 range, while the average (mean) is higher — around $300,000–$440,000 — because a smaller number of large claims pull the average up. Many individual payouts fall in the $50,000–$300,000+ band.
Why averages don't decide your claim
Your payout depends on your insured amount, not a national average — see how much your claim is worth. Holding cover across multiple funds can increase the total.
Balance vs benefit
Your insurance payout is separate from your super balance — the benefit can be much larger than your account. Keep tax and Centrelink impacts in mind too.
Find out what you may be covered for with our free eligibility check.