Total and Permanent Disability claims work the same way across Australia, but if you're in Adelaide or regional South Australia, there are a few local points worth knowing — and plenty of reasons to act.
TPD is national, but your support can be local
Your TPD cover sits inside your superannuation, so the underlying rules are set by your fund and insurer, not your state. However, having local support in SA can make the process smoother — from arranging local medical assessments to understanding the South Australian work landscape.
Common situations we see in SA
- Tradespeople and manual workers unable to continue physically demanding jobs.
- Workers with chronic illness or injury after years in the workforce.
- People managing mental health conditions who can't return to their previous role.
- Older workers with cover across several super funds from past employers.
Check every super fund you've ever had
Many South Australians have worked across multiple industries and accumulated super in several funds. Each of those could carry TPD cover — meaning more than one potential claim. It's worth tracking them all down.
Why act now?
Policy definitions, premium status and time limits can all affect a claim. The sooner you understand your position, the more options you tend to have. There's no cost to simply finding out where you stand.
Free eligibility check for South Australians
Tell us a little about your situation and we'll help you understand whether you may have a claim — quickly, confidentially, and with no obligation.