Been off work more than three months?

You may be able to claim on insurance you did not know you had. Most people don't know this cover exists.

Check if you can claim 1300 679 222 Mon–Fri, 8.30am–5.00pm AEST

Claims handled Australia-wide
No cost for the first conversation
We tell you plainly if you do not have a claim

What sort of claim is it?

Different cover, same question: whether you can still work in a job your education, training and experience suit you to.

Physical injuries You do not have to prove how you were hurt. If a physical injury stops you working, that is the test. Read more
Psychological injuries Psychological claims are often assessed on whether you might recover. What the policy actually asks is whether you can work now. Read more
Health conditions and illnesses Cancer, heart conditions, chronic and terminal illness. Worth checking even if you are not sure the condition qualifies. Read more
Retail life insurance claims Cover you bought yourself, outside super. The definitions differ and so does the process. Read more
Income protection and salary continuance A monthly payment while you cannot work. You can often claim this and TPD at the same time. Read more

Check if you can claim

It takes about two minutes. You do not need your policy documents — just your super fund name if you know it. We will call you back and tell you plainly whether you have a claim.

No cost for the first conversation
We tell you plainly if you do not have a claim
Claims handled Australia-wide

Someone at home taking a call about their claim

Someone at a kitchen table reading the insurance line on their superannuation statement

Most people don't know this cover exists

Total and permanent disability cover is attached to most superannuation accounts. You did not choose it, you may never have been told about it, and you have probably been paying for it for years.

If an injury or illness has stopped you doing your job, that cover may pay out — whether or not the injury happened at work.

Check if you can claim →

How a claim runs

Step 1Free claim check
We look at your super and tell you plainly whether you have cover.
Step 2We gather your medical evidence
We tell your doctors what the fund actually needs the report to address.
Step 3We lodge and manage the claim
We deal with the insurer and the fund, so that you do not have to.
Step 4Settlement
If the claim is accepted, the benefit is paid out and we explain what it means for tax.

Questions people ask first

Do I have to have stopped work permanently?

No. Most policies ask whether you are unlikely to return to work you are suited to by education, training and experience — not whether you will never work again.

The injury did not happen at work. Can I still claim?

Yes. A TPD claim does not ask how you were hurt. A car accident or a fall at home counts the same as an injury at work.

What does it cost?

Nothing for the first conversation. If you have a claim we will explain exactly what it costs before you decide anything.

Can I claim on more than one super account?

Often, yes. Cover attaches to each account, and people who have changed jobs frequently may hold several. We check all of them.

I already have a workers compensation or accident claim. Can I still claim TPD?

Yes. A TPD claim is separate from a compensation claim, and having one does not stop you making the other. Most personal injury firms do not do TPD work, so a lot of people are never told the claim exists. We have spoken to claimants who waited ten years before anyone mentioned it. If you have been off work more than three months because of an injury, illness or health condition, you are either eligible now or likely to be soon — and your super fund will not tell you.