If you've had a few jobs over the years, there's a good chance you have super sitting in more than one fund — and possibly TPD cover in each.
One condition, multiple claims
The same injury or illness can support a TPD claim against every fund where you held active cover at the relevant time. That can stack into a much larger combined benefit.
Why people miss this
- They forget about old, low-balance accounts.
- They assume only their current fund counts.
- They don't realise default cover existed at all.
Each policy has its own rules
Different funds use different definitions and timeframes, so each claim is assessed on its own terms. That's why it pays to identify all your cover before lodging.
Our free eligibility check is a good first step to mapping out every fund that may apply to you.