Before you can claim, you need to know whether you have cover. The good news: most Australian super funds include default TPD insurance, with premiums quietly deducted from your balance.
Where to look
- Your most recent super statement — look for “TPD”, “Total and Permanent Disability” or “insurance cover”.
- Your fund's online portal or app, under insurance details.
- Any old super accounts from previous jobs — you may have cover in several.
Why old funds matter
Many Australians have worked across multiple industries and built up super in several funds. Each one could carry TPD cover — meaning more than one potential claim and a larger combined payout.
Cover at the time you stopped work
What matters most is whether you had active cover when you became unable to work, even if you've since left that fund.
If digging through old statements feels overwhelming, our free eligibility check helps you work out where you stand.