A proactive decision today could provide a safety net tomorrow if your circumstances change.

Total and permanent disablement cover (TPD) is a lump sum payment that you can claim if you are permanently unable to work due to injury or illness.

It’s an additional insurance benefit we bundle with death cover to offer complete protection to you and your family.

A TPD benefit can be used to ease the impact of medical expenses, clear any existing debts, and fund your ongoing living costs if you’re permanently unable to return to work. 

Apply for Death and TPD cover

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Why TPD through super?

At First State Super, we have existing relationships and bulk buying power with insurance providers, which means we’re able to offer competitive policies that may not be available to you as a public customer approaching a broker or insurer.

And for many members, this may mean a higher level of cover at a cheaper price than they would receive through retail insurance.

Your premiums are automatically deducted from your super account balance, so you don’t need to worry about paying for it  out of your week to week budget.

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Am I eligible?

You may already be eligible to receive units of TPD cover, bundled with death cover, without applying at all, by having your participating employer contribute your super guarantee contributions to us.

If you apply for cover, our insurer applies an occupational rating that determines your premium. You can apply for either units of cover, fixed cover, or a mixture of both.

At a minimum, you must be a member of First State Super aged between 15 and 69, to apply for this cover.

Refer to the Insurance Member Booklet Supplement relevant to you for more information on the difference between unit-based and fixed cover.

Applications can be made either online via your member login, or in the post using our application for insurance cover form.

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How much does it cost?

The cost of your cover is calculated based on your age, insurance rating, how much cover you want, and a few other personal factors to ensure the right cover for you.

Finding the right level of cover is a personal choice that comes down to how much you would need to continue meeting your financial commitments in the future.

Consider speaking to one of our financial planners to understand more about your insurance needs. They can look at your overall financial position and help you work out the most cost-effective way to protect your future against the unknown.

Or if you’d like to crunch the numbers yourself, try our insurance cover calculator, or refer to the information provided in the Insurance Member Booklet Supplement relevant to you.

Show me how to calculate the cost of my premium

What you need to know

Automatic cover is only available to members aged between 15 and 70 who receive super guarantee contributions from a participating employer.

NSW Police Officers and Ambulance Officers have specific insurance arrangements. The information provided on this page does not include these insurance products.

For all the terms and conditions and restrictions view the Insurance Member Booklet Supplement relevant to you.