I had no idea where my lost super was or the names of the funds. I just new it was scattered everywhere and I should definitely have more than $3,000 in my super. Australian Super Finder found all 7 of my funds and now my balance is almost $50,000. Thank you so much for getting my super back on track. ? Leonie, Thomastown VIC

Super Facts and Tips

Bird's Eye View on Total and Permanent Disability (TPD)

You have come to the right place if you want to know about Total and Permanent Disability (TPD).

Total and Permanent Disability or TPD is described by a lump sum payment that is readily available if you happen to become severely injured or ill which in effect render you incapable of going back to work. The Total and Permanent Disability benefit can be found in your super fund although accessing it could be challenging without expert advice.

Aside from having the ability to enjoy the benefits of TPD through superannuation, you can also be covered by a TPD lump sum via a life insurance policy.

Will Your Super Contain TPD Insurance?

Every super fund is unique, but the majority will have a certain amount of TPD coverage.

When it comes to accessing this benefit, the amount of cover will vary among policies. Your super fund's PDS or product disclosure statement should contain all the information available for the amount of TPD cover, and you can contact your superannuation fund to access it.

It is very important to remember that opting for legal advice would serve your interest along the way. Accessing your insurance benefits can be tricky, and help may not always be available for you along the way, so it is imperative to do this early in the process.

If you are suffering from an injury or illness that is preventing you from going back to work, you can rely on our team of experts to speak to your super fund as your representatives. This will spare you a lot of the hassle. Even if you do not have super, you may still be able to opt for some accident of sickness policy that you are not familiar with.

We will do the digging for you and give you all the details that you need and under no obligation to pay any cost whatsoever. Call us at 1300 252 167.

Temporary Total Disability Benefits or Income Protection

Some super funds have monthly of weekly payments if you cannot do your usual work duties for a particular time frame. Such fees serve as total or temporary benefits or TPD benefits, income protection or salary continuance protection payments.

Usual payments can go beyond 75% of your salary along with super and can be paid for at least a couple of years. You can even have benefits that are applicable till the age 65. It is not unusual for payments to undergo a qualifying period that goes for 1-3 months. It may take some time before the actual payments begin.

Such payments may stop if your employment status is terminated, if your TPD benefit is paid off, or if you acquired a general law lump sum payment as a form of compensation.

What TPD Claims Procedures Are?

TPD claims are unique, and no two claims are the same. There are indications as to how the claims are processed and how you can access such compensation.

The medical report, claim forms, and other papers will be required, but that would not be a problem if you can find a support team to help you out. Call us at 1300 252 167

All information on this website is of a general nature only. We have not taken into account your financial situation, needs or objectives. You need to make up your own mind and ascertain yourself if it is right for you. We recommend you read the product disclosure statement(s) and the financial services guide before making any financial decision.

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