When you start a new job, your employer typically directs your super contributions to a default fund — either an industry fund (like HESTA, Cbus or Hostplus) or a corporate fund arranged specifically for their employees. The fund your employer chose shapes the TPD cover you received.
How employer-linked funds affect TPD cover
Some employers negotiate enhanced group insurance arrangements with their super fund provider — meaning their employees may have better or different TPD cover than the standard default. This can include:
- Higher cover amounts than standard default
- More favourable definitions (own occupation rather than any occupation)
- Specific waiting periods or conditions
Check your fund's Product Disclosure Statement (PDS) or contact the fund directly to understand the specific terms that apply to your employer's plan.
Changing jobs affects cover
When you leave an employer, your super account may stay with the same fund but your cover may change — moving from an employer-specific arrangement to standard member rates. This can reduce cover amounts or change definitions. If you become disabled shortly after changing jobs, the timing matters.
Check all employer funds
Each employer throughout your career may have contributed to a different super fund with different TPD cover. Check all via myGov. Start with our free eligibility check.