Total and Permanent Disability claims follow national rules, but if you're in Victoria — Melbourne, Geelong, Ballarat or regional VIC — here's what to keep in mind.
The cover is in your super
Your TPD insurance is held inside superannuation, so your fund and insurer set the terms. Victorian residents can still benefit from local support when arranging assessments and evidence.
Who commonly claims in VIC
- Manufacturing, logistics and trades workers with physical injuries.
- Workers managing mental health conditions who can't return to their role.
- Older workers with cover across multiple old funds.
Track down every fund
Many Victorians have super spread across several funds. Each could carry cover — see finding lost super. Wondering about your payout? See how much a claim is worth.
Check your eligibility with our free eligibility check.