Government reforms ("Protecting Your Super" and "Putting Members' Interests First") mean insurance is automatically switched off on inactive or low-balance accounts, and for many younger members, unless they opt in. If your cover was cancelled, you might wonder whether a claim is still possible.
What really matters: the timing
The key question is whether you had active TPD cover at the time you became unable to work. If your cover was in force then — even if it was later cancelled — you may still be able to claim. See claiming after leaving your job.
Why cover gets cancelled
- No contributions for a continuous period (inactivity).
- A low account balance under the rules.
- Being under 25 or low-balance without opting in.
Don't assume you're not covered
Check your statements for the period you stopped work, and check old and lost super. Avoid consolidating before confirming, as that can cancel cover.
Confirm your position with our free eligibility check.