Public servants — whether Commonwealth, state or local government employees — typically have superannuation through dedicated government funds, which often provide more generous TPD coverage than standard industry funds.
Super funds for public servants
- Commonwealth Superannuation Corporation (CSC) — covers APS, defence and other federal government employees across schemes including PSSap, PSS and CSS
- State super funds — each state has its own scheme (e.g. State Super NSW, Emergency Services Super Victoria, Queensland Government Super)
- Local Government Super — for council employees
Defined benefit schemes
Older public servants may be in legacy defined benefit schemes (PSS, CSS) which have different — and sometimes more complex — disability provisions than modern accumulation accounts. Understanding your specific scheme's rules is important before lodging a claim.
Common conditions affecting public servants
Mental health conditions — stress, burnout, depression, PTSD — are among the most common grounds for public servant TPD claims, alongside physical conditions. High-pressure roles, bullying and restructuring-related stress are well-recognised contributing factors.
Check your specific fund's TPD provisions with a free eligibility check.