Casual workers often assume that because they're not permanent employees, they don't have proper superannuation or insurance entitlements. This is a common misconception that can cost people significant money.
How casuals build super entitlements
Since the superannuation guarantee applies to most casual workers earning $450 or more from a single employer in a calendar month (and the threshold has been removed entirely from July 2022), many casuals receive employer super contributions — and with those contributions often comes default TPD insurance.
TPD definitions for casual workers
TPD policies typically require you to have been "employed" or "gainfully employed" at the time your disability started. Casual work generally qualifies as employment for this purpose, though the policy may require you to have been regularly working a minimum number of hours. Review your specific policy's definition.
Multiple casual jobs = multiple super accounts
Casual workers who move between employers often accumulate multiple super accounts — each potentially with its own TPD cover. Check all your accounts via myGov ATO. Multiple accounts can mean multiple claims. See our guide on claiming through multiple super funds. Start with our free eligibility check.