TPD and income protection are easily confused, but they're different types of cover — and understanding the difference matters.
TPD (Total and Permanent Disability)
Pays a one-off lump sum if you're unlikely to ever return to work due to injury or illness. Often held inside super.
Income protection
Pays a regular income (usually a percentage of your salary) for a period while you're unable to work — typically for a temporary disability.
Can you claim both?
In some cases, yes. If you have both types of cover, you may be able to receive income protection while unable to work and a TPD lump sum if your condition becomes permanent. The interaction depends on your policies.
Check what you have
Many Australians have both kinds of cover inside super without realising. Start with our free eligibility check to understand your TPD position.