Where are you at with your super?

Total & Permanent Disablement cover

Club Super’s TPD cover will support you if you’re prevented from working again.

Take care of your finances and support your family if you’re prevented from working again

On first joining Club Super with a Club Super employer, you will automatically receive 2 units of TPD insurance cover.1 This level of cover is known as the default level of insurance cover. If this default level of cover is not enough, you can apply for up to 3 units subject to the successful completion of five short health questions, and completion of a Member Application Form, provided you join the Fund within 6 months of commencing employment.

Features and benefits

  • Apply for cover of up to $2.5 million.
  • A choice of unit based or fixed amount cover.
  • An option for an additional unit of TPD cover on key life events.
  • Eligible members automatically receive 2 units of TPD cover on first joining Club Super.

TPD insurance costs only $1.54 per unit per week. Each unit of insurance provides the following TPD cover (age dependent):

TPD insurance benefit 
 Up to 39
 40 - 44
 45 - 49
 50 - 54
 55 - 59
 60 - 64
 65 - 69

For more details on the TPD cover provided and the various conditions that apply, please read the Insurance section of the current Club Super PDS and the Club Super Additional Information - Insurance in your super.

Insurance cancellation due to account inactivity

Accounts which reach 16 months of inactivity (i.e. no contributions or rollovers) after 1 July 2019 will automatically have any Death/TPD insurance on that account cancelled, unless the member advises the Fund in writing beforehand that they wish to retain their insurance cover. This requirement applies irrespective of the balance of the account. These rules do not apply to Club Super’s Income Protection insurance.


More information

  • Club Super Additional Information - Insurance in your super 1041.71 KB PDF

  • Club Super PDS 643.43 KB PDF

  • Insurance Claim Fact Sheet 110.22 KB PDF

  • Is legal assistance required to make an insurance claim? 55.58 KB PDF


1 You’re eligible to receive this cover if you are employed with a Club Super employer and are in ‘Active Employment’; your employer makes SG contributions into Club Super on your behalf within 6 months of commencement of employment, you are at least 15 years of age and less than 70 years of age; you are not a member of any armed forces of any country; and you are not a Club Income Stream or Spouse member of the Fund. For more information who is eligible for automatic insurance cover, including the definition of “Active Employment” please read the Club Super Additional Information – Insurance in your super.