Many Australians have accumulated super accounts across multiple funds throughout their working lives — from different jobs, different industries, or different stages of their career. Each fund may carry its own TPD insurance policy, and each policy can potentially be claimed independently.
Multiple funds = potentially multiple claims
If you had active TPD cover in three super funds when you became unable to work, you may be able to make three separate TPD claims — one from each fund. The policies are independent of each other, and receiving a payout from one fund does not automatically affect eligibility at another.
What to check in each fund
- Was there active TPD cover at the time you became unable to work?
- What was the cover amount?
- What TPD definition applies — own occupation or any occupation?
- Has the policy lapsed or been cancelled due to inactivity?
Finding all your super accounts
Log into myGov and link your ATO account to view all super accounts registered in your name. Many people are surprised to find accounts they'd forgotten about. See our guide to finding lost super. Start with our free eligibility check.