Death and Total Permanent Disablement cover

What is Death and Total Permanent Disablement Cover?

Death cover pays a lump sum to your nominated beneficiaries if you die or suffer a terminal illness where death is likely to occur within 12 months. Death cover can provide financial security to you and your family in a time of uncertainty and can help cover debts and living expenses.

TPD insurance cover, or Total Permanent Disability cover provides you with a lump sum payment if you’re totally and permanently disabled and can’t work again. For a full definition of TPD cover, including more information on TPD cover in superannuation, see the Insurance guide.

What are the levels of cover?

If you meet the eligibility criteria, you’ll automatically receive Basic Cover for death (which includes a Terminal Illness benefit) and TPD.
To be eligible for cover:

  • You must be a member of, or applying for membership with the Fund;
  • You must be an Australian resident;
  • You must be at least 15 years of age;
  • You have not been discharged medically unfit, ceased employment or retired due to ill health from any employer;
  • You have not been diagnosed with an illness or suffered an injury that reduces your life expectancy to less than 12 months; and
  • You must be under the age of 70 for Basic Death and TPD cover, and under the age of 65 for Fixed Death or TPD cover; or
  • The Insurer has agreed in writing that they will insure you under the policy.

Other criteria:

  • Current Police officers are not eligible for any cover, and former Police officers are only eligible for Death Only insurance cover.
  • If you’re a casual or a temporary employee or you’re self-employed, you can only choose Basic Death and TPD Cover or Fixed Cover.

The table below shows the amount of Basic Cover provided based on your age.

Age next birthday Basic Death Cover Basic TPD Cover
16-25 $60,000 $120,000
26-30 $120,000 $100,000
31-40 $160,000 $80,000
41-45 $160,000 $60,000
46-50 $120,000 $40,000
51-55 $80,000 $20,000
56-60 $40,000 $20,000
61-65 * $20,000 $10,000
66-70 * $10,000 $10,000

* For individuals aged 60 years of age or more, and/or anyone who was working less than 15 hours per week immediately prior to the Date of Disablement averaged over the 3 consecutive months prior to the Date of Disablement (or shorter period if the member has been employed for less than 3 consecutive months), the Everyday Working Activities definition applies to TPD cover, refer to the Insurance Guide for more information.  

What Does Death Cover and TPD Insurance from WA Super Cost?

Use our Insurance premium calculator to estimate the cost of your chosen level of cover.

How Do I Apply for Death Cover or TPD Insurance Cover Through Super?

If you’re wanting to apply for death cover or TPD cover through superannuation, or to increase your level of cover, simply complete  an Insurance Application or Variation form. To decrease your cover, please complete the Insurance Alteration form.

Find Out More

With WA Super, you can get the right advice and cover you need. To find out more about death cover or TPD cover through superannuation, contact our team today. 

WA Super have partnered with TAL Life Ltd (ABN 70 050 109 450, AFSL 237848) (the Insurer) to provide you with insurance cover.

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