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Total and Permanent Disablement cover

Protecting your loved ones

We don’t always like to think about not being able to provide for ourselves—but if something did happen, it’s nice to know that you’re covered. Total and Permanent Disablement (TPD) insurance cover pays a benefit if you were unable to work again because you became totally and permanently disabled.

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What’s TPD insurance cover?

If an illness or injury meant that you were unable to ever work again— TPD pays a benefit which you could use to cover the costs of care, rehabilitation, loan repayments and future costs involved with day-to day living expenses.

How does it work?

TPD cover is only available to you if you also take out Death insurance cover.

Generally, if you were to receive a TPD benefit payment, your Death cover will stop.

But if you’ve got Death cover and TPD insurance cover (and your Death cover amount is greater than your TPD cover), you’ll continue to be insured for the remaining Death cover after you receive your TPD benefit.

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A person storing out door equipment in his car.

Am I eligible for this?

The eligibility criteria that applies to you will depend on your age, gender, the product you’ve got with us, your occupation, as well as any arrangements that your employer has with us.

Please refer to the Insurance Guide which is part of the relevant Product Disclosure Statement (PDS).


Here are some questions our members have asked about Total and Permanent Disablement (TPD) insurance cover:

  • To apply for additional insurance cover you’ll need to complete an Insurance application form.

    You can use the short form if you’d like to apply for Death only or Death and Total and Permanent Disablement (TPD) insurance (max $1 million including any existing insurance).

    Before completing this form, you’ll need to make sure that questions 1-10 in section 1 ‘Personal Details’ don’t apply to you.

    Otherwise complete the long form


  • Even if you have Death cover, a benefit won’t be paid within 24 months of starting, restarting or increasing your insurance, if you:

    • take your own life, or
    • are disabled as a result of an intentional self-inflicted injury.

    If you’re an MLC MasterKey Business Super member, this applies to Voluntary insurance. If you are an MLC MasterKey Super Fundamentals member this exclusion applies, however there are additional exclusions.

    For more information about your benefit payment, refer to your relevant Insurance Guide.


Daniel's story

A man in a wheelchair.

Daniel was 24 and living life to the full when he had a serious surfing accident that left him totally and permanently disabled, and unable to ever work again. He didn't have any TPD insurance.

Daniel's parents, Ron and Sarah, had paid off the family home and were looking forward to a financially secure retirement. After Daniel's accident however, they had to take on new debt and refinance their home to help pay for Daniel's rehabilitation and ongoing care costs, and to adapt their home for wheelchair access.

With TPD cover, Daniel would have received a lump sum payment to contribute to the costs of his care, providing him with greater financial independence while ensuring his parents were financially secure in retirement. The lump sum payment could have also helped replace the income and superannuation he would have otherwise earned - providing valuable funds to live on into the future.

Other types of cover

Death cover

If you pass away or you’re likely to pass away within 24 months due to a terminal illness—you’ll be able to financially assist your loved ones through a paid benefit.

Income Protection

If you’re temporarily unable to work due to illness or injury—Income Protection pays you a replacement income. This can assist you to meet your day-to-day living expenses while you’re not earning an income.