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.

Show me how to apply for Death with TPD cover

Am I eligible?

You may 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, provided you are aged 25yrs or more and have $6,000 in your super account.

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

If you join us through a participating employer, you’ll usually get automatic cover (without having to provide any additional information) if we are receiving your super guarantee contributions and you’re age over 25yrs and have $6,000 or more in your super account.

If you are not yet 25yrs old or have less than $6,000 in super, you may still be eligible to apply for early automatic cover^1, for further information on how to apply refer to the Employer Sponsored Member Booklet Supplement.

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.

  1. If you are employed in a 'dangerous occupation' you may be provided with automatic cover irrespective of your age or account balance, we'll notify you when you join whether this applies to you.