TPD claims through superannuation
Quick answer
Many Australians hold TPD insurance through superannuation. A claim may involve both policy criteria and superannuation release rules, so it is important to map the pathway carefully before lodging.
How super-based TPD is usually structured
- The insurance policy is linked to your super fund account.
- The insurer assesses policy eligibility and evidence.
- The trustee/super fund may have additional requirements for release of benefits.
Documents commonly required
- Claim forms and member statements
- Medical evidence from treating practitioners
- Employment and duties history
- Superannuation account and policy details
Important caution points
- Different definitions can apply between policies.
- Tax and super release consequences can differ by circumstances.
- Stopping work does not automatically prove policy eligibility.
General information only and not financial or legal advice.