A common misconception is that TPD insurance is only for full-time workers with long, stable careers. In reality, many part-time, casual and seasonal workers have TPD cover through their super — and can claim it if they become permanently unable to work.
How part-time workers get super cover
Super contributions are required for most workers earning above the minimum threshold. When contributions go into a super fund, TPD insurance is often included as default cover. This applies to part-time and casual workers as well as full-time employees.
What "gainful employment" means for TPD
Most TPD policies require you to have been gainfully employed before the disability — meaning working for financial reward. Part-time work qualifies. Some policies specify a minimum number of hours per week (commonly 15–25 hours), which can affect eligibility for workers on very few hours.
Carer and homemaker considerations
People who reduced hours or stopped working altogether to care for children or family members — then developed a serious condition — can still potentially claim TPD based on their last period of employment and coverage. Check the timing carefully.
Use our free eligibility check to assess your specific situation.